相关论文: Mobile Phone Usage Data for Credit Scoring

The explosion of mobile phone communications in the last years occurs at a moment where data processing power increases exponentially. Thanks to those two changes in a global scale, the road has been opened to use mobile phone…

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…

In order to understand the application of computer technology in financial investment, the author proposes a research on the application of computer technology in financial investment. The author used user transaction data from a certain…

With the increasing usage of smartphones, there is a corresponding increase in the phone metadata generated by individuals using these devices. Managing the privacy of personal information on these devices can be a complex task. Recent…

The need for controlling and effectively managing credit risk has led financial institutions to excel in improving techniques designed for this purpose, resulting in the development of various quantitative models by financial institutions…

With the growth of using cell phones and the increase in diversity of smart mobile devices, a massive volume of data is generated continuously in the process of using these devices. Among these data, Call Detail Records, CDR, is highly…

In this article, we present a distributed framework for collecting and analyzing environmental and location data recorded by human users (carriers) with the use of portable sensors. We demonstrate the data mining analysis potential among…

Driver behavior profiling is one of the main issues in the insurance industries and fleet management, thus being able to classify the driver behavior with low-cost mobile applications remains in the spotlight of autonomous driving. However,…

The ubiquity of smartphone usage in many people's lives make it a rich source of information about a person's mental and cognitive state. In this work we analyze 12 weeks of phone usage data from 113 older adults, 31 with diagnosed…

There is an abundance of temporal and non-temporal data in banking (and other industries), but such temporal activity data can not be used directly with classical machine learning models. In this work, we perform extensive feature…

Banks are important for the development of economies in any financial ecosystem through consumer and business loans. Lending, however, presents risks; thus, banks have to determine the applicant's financial position to reduce the…

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…

This paper aims to present a general idea of method comparison of Credit Scoring techniques. Any scorecard can be made in various methods based on variable transformations in the logistic regression model. To make a comparison and come up…

Research has proven that stress reduces quality of life and causes many diseases. For this reason, several researchers devised stress detection systems based on physiological parameters. However, these systems require that obtrusive sensors…

With mobile phone penetration rates reaching 90%, Consumer Proprietary Network Information (CPNI) can offer extremely valuable information to different sectors, including policymakers. Indeed, as part of CPNI, Call Detail Records have been…

Mobile phone communication as digital service generates ever-increasing datasets of human communication actions, which in turn allow us to investigate the structure and evolution of social interactions and their networks. These datasets can…

A wide range of approaches have been applied to manage the spread of global pandemic events such as COVID-19, which have met with varying degrees of success. Given the large-scale social and economic impact coupled with the increasing time…

Mobile phone metadata is increasingly used for humanitarian purposes in developing countries as traditional data is scarce. Basic demographic information is however often absent from mobile phone datasets, limiting the operational impact of…

Today, smartphone devices are owned by a large portion of the population and have become a very popular platform for accessing the Internet. Smartphones provide the user with immediate access to information and services. However, they can…

It is estimated that 80% of crashes and 65% of near collisions involved drivers inattentive to traffic for three seconds before the event. This paper develops an algorithm for extracting characteristics allowing the cell phones…