相关论文: Mobile Phone Usage Data for Credit Scoring

We study the structure of the social graph of mobile phone users in the country of Mexico, with a focus on demographic attributes of the users (more specifically the users' age). We examine assortativity patterns in the graph, and observe a…

In the past decade, large scale mobile phone data have become available for the study of human movement patterns. These data hold an immense promise for understanding human behavior on a vast scale, and with a precision and accuracy never…

Smartphones have been the most popular and widely used devices among means of communication. Nowadays, human activity recognition is possible on mobile devices by embedded sensors, which can be exploited to manage user behavior on mobile…

Various studies on consumer purchasing behaviors have been presented and used in real problems. Data mining techniques are expected to be a more effective tool for analyzing consumer behaviors. However, the data mining method has…

Real-life mobile phone data may contain noisy instances, which is a fundamental issue for building a prediction model with many potential negative consequences. The complexity of the inferred model may increase, may arise overfitting…

In this paper we propose a framework for identifying patterns and regularities in the pseudo-anonymized Call Data Records (CDR) pertaining a generic subscriber of a mobile operator. We face the challenging task of automatically deriving…

Banks utilize credit scoring as an important indicator of financial strength and eligibility for credit. Scoring models aim to assign statistical odds or probabilities for predicting if there is a risk of nonpayment in relation to many…

Mobile phone data -- with file sizes scaling into terabytes -- easily overwhelm the computational capacity available to some researchers. Moreover, for ethical reasons, data access is often granted only to particular subsets, restricting…

In this paper, we explore mobile app use as a behavioral biometric identifier. While several efforts have also taken on this challenge, many have alluded to the inconsistency in human behavior, resulting in updating the biometric template…

Mobile sensing has become a promising paradigm for mobile users to obtain information by task crowdsourcing. However, due to the social preferences of mobile users, the quality of sensing reports may be impacted by the underlying social…

In the electricity grid, networked sensors which record and transmit increasingly high-granularity data are being deployed. In such a setting, privacy concerns are a natural consideration. We present an attack model for privacy breaches,…

The rise of algorithmic decision-making has spawned much research on fair machine learning (ML). Financial institutions use ML for building risk scorecards that support a range of credit-related decisions. Yet, the literature on fair ML in…

Undeniably, the advent of mobile applications has brought new frontiers to usability engineering. To date, ongoing research has shown significant efforts to adopt and adapt usability principles to the mobile computing environment. One of…

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,…

Over the years, use of smartphones has come to dominate several areas, improving our lives, offering us convenience, and reshaping our daily work circumstances. Beyond traditional use for communication, they are used for many peripheral…

Urban traffic systems worldwide are suffering from severe traffic safety problems. Traffic safety is affected by many complex factors, and heavily related to all drivers' behaviors involved in traffic system. Drivers with aggressive driving…

Music is an expression of our identity, showing a significant correlation with other personal traits, beliefs, and habits. If accessed by a malicious entity, an individual's music listening habits could be used to make critical inferences…

Socio-economic indicators provide context for assessing a country's overall condition. These indicators contain information about education, gender, poverty, employment, and other factors. Therefore, reliable and accurate information is…

Credit card plays a very important rule in today's economy. It becomes an unavoidable part of household, business and global activities. Although using credit cards provides enormous benefits when used carefully and responsibly,significant…

Mobile phone use is an unfolding process by nature. In this study, it is explicated as two sequential processes: mobile sessions composed of an uninterrupted set of behaviors and mobile trajectories composed of mobile sessions and…