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

We apply multiple testing procedures to the validation of estimated default probabilities in credit rating systems. The goal is to identify rating classes for which the probability of default is estimated inaccurately, while still…

Smartphones have become an important tool for people's daily lives, which brings higher security requirements in high-risk application areas, for example, mobile payment. Although the combination of physical password, fingerprint and facial…

Human mobility is an important characteristic of human behavior, but since tracking personalized position to high temporal and spatial resolution is difficult, most studies on human mobility patterns rely largely on mathematical models.…

We develop a deep learning model of multi-period mortgage risk and use it to analyze an unprecedented dataset of origination and monthly performance records for over 120 million mortgages originated across the US between 1995 and 2014. Our…

Recent research has shown the possibility of using smartphones' sensors and accessories to extract some behavioral attributes such as touch dynamics, keystroke dynamics and gait recognition. These attributes are known as behavioral…

A student reads a textbook to learn a new topic; an attorney leafs through familiar legal documents. Each reader may have a different goal for, and prior knowledge of, their reading. A mobile context, which captures interaction behavior,…

We propose behavior-oriented services as a new paradigm of communication in mobile human networks. Our study is motivated by the tight user-network coupling in future mobile societies. In such a paradigm, messages are sent to inferred…

Mobile phones play a very important role in our life. Mobile phone sales have been soaring over the last decade due to the growing acceptance of technological innovations, especially by Generations Y and Z. Understanding the change in…

Mobile phones can record individual's daily behavioral data as a time-series. In this paper, we present an effective time-series segmentation technique that extracts optimal time segments of individual's similar behavioral characteristics…

Mobile devices and technologies have become increasingly popular, offering comparable storage and computational capabilities to desktop computers allowing users to store and interact with sensitive and private information. The security and…

Large-scale collection of human behavioral data by companies raises serious privacy concerns. We show that behavior captured in the form of application usage data collected from smartphones is highly unique even in very large datasets…

In this paper, we present a novel approach to predict crime in a geographic space from multiple data sources, in particular mobile phone and demographic data. The main contribution of the proposed approach lies in using aggregated and…

Churn prediction, or the task of identifying customers who are likely to discontinue use of a service, is an important and lucrative concern of firms in many different industries. As these firms collect an increasing amount of large-scale,…

When given the option, will LLMs choose to leave the conversation (bail)? We investigate this question by giving models the option to bail out of interactions using three different bail methods: a bail tool the model can call, a bail string…

Timings of human activities are marked by circadian clocks which in turn are entrained to different environmental signals. In an urban environment the presence of artificial lighting and various social cues tend to disrupt the natural…

MoodPupilar introduces a novel method for mood evaluation using pupillary response captured by a smartphone's front-facing camera during daily use. Over a four-week period, data was gathered from 25 participants to develop models capable of…

Persuasive designs become prevalent on smartphones, and an increasing number of users report having problematic smartphone use behaviours. Persuasive designs in smartphones might be accountable for the development and reinforcement of such…

In this work, we analyze the problem of adoption of mobile money in Pakistan by using the call detail records of a major telecom company as our input. Our results highlight the fact that different sections of the society have different…

We compare observed corporate cumulative default probabilities to those calculated using a stochastic model based on an extension of the work of Black and Cox and find that corporations default as if via diffusive dynamics. The model, based…

Motivated by the recently launched mobile data trading markets (e.g., China Mobile Hong Kong's 2nd exChange Market), in this paper we study the mobile data trading problem under the future data demand uncertainty. We introduce a…