相关论文: Mobile Phone Usage Data for Credit Scoring

To study users' travel behaviour and travel time between origin and destination, researchers employ travel surveys. Although there is consensus in the field about the potential, after over ten years of research and field experimentation,…

Research on mobile phone use often starts with a question of "How much time users spend on using their phones?". The question involves an equal-length measure that captures the duration of mobile phone use but does not tackle the other…

In the context of a myriad of mobile apps which collect personally identifiable information (PII) and a prospective market place of personal data, we investigate a user-centric monetary valuation of mobile PII. During a 6-week long user…

Call Detail Record (CDR) datasets provide enough information about personal interactions to support building and analyzing detailed empirical social networks. We take one such dataset and describe the various ways of using it to create a…

Mobile phones and other electronic gadgets or devices have aided in collecting data without the need for data entry. This paper will specifically focus on Mobile health data. Mobile health data use mobile devices to gather clinical health…

The System Usability Scale (SUS) is a short, survey-based approach used to determine the usability of a system from an end user perspective once a prototype is available for assessment. Individual scores are gathered using a 10-question…

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…

Credit ratings are becoming one of the primary references for financial institutions of the country to assess credit risk in order to accurately predict the likelihood of business failure of an individual or an enterprise. Financial…

This research investigated the potential for improving Peer-to-Peer (P2P) credit scoring by using "private information" about communications and travels of borrowers. We found that P2P borrowers' ego networks exhibit scale-free behavior…

The paper is aware of the importance of certain figures that are essential to an understanding of Credit Scoring models in credit acceptance process optimization, namely if the power of discrimination measured by Gini value is increased by…

Patterns of mobile phone communications, coupled with the information of the social network graph and financial behavior, allow us to make inferences of users' socio-economic attributes such as their income level. We present here several…

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…

It has been shown several times in the literature that telematics data collected in motor insurance help to better understand an insured's driving risk. Insurers that use this data reap several benefits, such as a better estimate of the…

Understanding the energy consumption patterns of different types of consumers is essential in any planning of energy distribution. However, obtaining consumption information for single individuals is often either not possible or too…

As technology and technology companies have grown in power, ubiquity, and societal influence, some companies -- and notably some mobile apps -- have come to be perceived as privacy threats. Prior work has considered how various factors…

Over the past decade, mobile phones have become prevalent in all parts of the world, across all demographic backgrounds. Mobile phones are used by men and women across a wide age range in both developed and developing countries.…

The exponential growth in smartphone adoption is contributing to the availability of vast amounts of human behavioral data. This data enables the development of increasingly accurate data-driven user models that facilitate the delivery of…

Can mobile phone data improve program targeting? By combining rich survey data from a "big push" anti-poverty program in Afghanistan with detailed mobile phone logs from program beneficiaries, we study the extent to which machine learning…

Classification and patterns extraction from customer data is very important for business support and decision making. Timely identification of newly emerging trends is very important in business process. Large companies are having huge…

Nowadays, financial data analysis is becoming increasingly important in the business market. As companies collect more and more data from daily operations, they expect to extract useful knowledge from existing collected data to help make…