相关论文: Behavior Revealed in Mobile Phone Usage Predicts L…

Consumers interact with firms across multiple devices, browsers, and machines; these interactions are often recorded with different identifiers for the same consumer. The failure to correctly match different identities leads to a fragmented…

Mobile phones, as simultaneously personal and shared technologies, complicate how partners manage digital privacy in intimate relationships. While prior research has examined device-access practices, explicit privacy-rule negotiation, and…

The failure mode of the phone falling has a lot to do with the ground material. At present, the research on ground material and mobile phone damage is generally carried out through experiments, which is extremely costly. This paper presents…

Can data from mobile phones be used to observe economic shocks and their consequences at multiple scales? Here we present novel methods to detect mass layoffs, identify individuals affected by them, and predict changes in aggregate…

Call and messaging logs from mobile devices have been used to predict human personality traits successfully in recent years. However, the widely available accelerometer data is not yet utilized for this purpose. In this research, we…

In this paper, we review some advances made recently in the study of mobile phone datasets. This area of research has emerged a decade ago, with the increasing availability of large-scale anonymized datasets, and has grown into a…

A standard quantitative method to access credit risk employs a factor model based on joint multivariate normal distribution properties. By extending a one-factor Gaussian copula model to make a more accurate default forecast, this paper…

Understanding the spatiotemporal distribution of people within a city is crucial to many planning applications. Obtaining data to create required knowledge, currently involves costly survey methods. At the same time ubiquitous mobile…

This paper studies the consequences of capturing non-linear dependence among the covariates that drive the default of different obligors and the overall riskiness of their credit portfolio. Joint default modeling is, without loss of…

The uneven distribution of wealth and individual economic capacities are among the main forces which shape modern societies and arguably bias the emerging social structures. However, the study of correlations between the social network and…

In this article we propose the use of accelerometer embedded by default in smartphone as a cost-effective, reliable and efficient way to provide remote physical activity monitoring for the elderly and people requiring healthcare service.…

Assessment of risk levels for existing credit accounts is important to the implementation of bank policies and offering financial products. This paper uses cluster analysis of behaviour of credit card accounts to help assess credit risk…

Novel aspects of human dynamics and social interactions are investigated by means of mobile phone data. Using extensive phone records resolved in both time and space, we study the mean collective behavior at large scales and focus on the…

Social networks require active relationship maintenance if they are to be kept at a constant level of emotional closeness. For primates, including humans, failure to interact leads inexorably to a decline in relationship quality, and a…

A growing trend in financial technology (fintech) is the use of mobile phone data and machine learning (ML) to provide credit scores- and subsequently, opportunities to access loans- to groups left out of traditional banking. This paper…

Understanding how people move within a geographic area, e.g. a city, a country or the whole world, is fundamental in several applications, from predicting the spatio-temporal evolution of an epidemics to inferring migration patterns. Mobile…

The presence of Super-Apps have changed the way we think about the interactions between users and commerce. It then comes as no surprise that it is also redefining the way banking is done. The paper investigates how different interactions…

Online leading has disrupted the traditional consumer banking sector with more effective loan processing. Risk prediction and monitoring is critical for the success of the business model. Traditional credit score models fall short in…

This study conducts a benchmarking study, comparing 23 different statistical and machine learning methods in a credit scoring application. In order to do so, the models' performance is evaluated over four different data sets in combination…

This paper presents an autoethnography of my experiences living without a mobile phone. What started as an experiment motivated by a personal need to reduce stress, has resulted in two voluntary mobile phone breaks spread over nine years…