相关论文: Enhancing User' s Income Estimation with Super-App…

In this paper we present the impact of alternative data that originates from an app-based marketplace, in contrast to traditional bureau data, upon credit scoring models. These alternative data sources have shown themselves to be immensely…

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…

Tree-based models have been successfully applied to a wide variety of tasks, including time series forecasting. They are increasingly in demand and widely accepted because of their comparatively high level of interpretability. However, many…

Many business workflows require extracting important fields from form-like documents (e.g. bank statements, bills of lading, purchase orders, etc.). Recent techniques for automating this task work well only when trained with large datasets.…

Auxiliary information can increase the efficiency of survey estimators through an assisting model when the model captures some of the relationship between the auxiliary data and the study variables. Despite their superior properties,…

Data augmentation is a powerful technique to improve performance in applications such as image and text classification tasks. Yet, there is little rigorous understanding of why and how various augmentations work. In this work, we consider a…

Data augmentation methods have been shown to be a fundamental technique to improve generalization in tasks such as image, text and audio classification. Recently, automated augmentation methods have led to further improvements on image…

We propose a novel algorithm for data augmentation in nonlinear over-parametrized regression. Our data augmentation algorithm borrows from the literature on causality and extends the recently proposed Anchor regression (AR) method for data…

Alternative data provides valuable insights for lenders to evaluate a borrower's creditworthiness, which could help expand credit access to underserved groups and lower costs for borrowers. But some forms of alternative data have…

In order to reduce overfitting, neural networks are typically trained with data augmentation, the practice of artificially generating additional training data via label-preserving transformations of existing training examples. While these…

Data augmentation methods for neural machine translation are particularly useful when limited amount of training data is available, which is often the case when dealing with low-resource languages. We introduce a novel augmentation method,…

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…

This paper introduces a simple and effective form of data augmentation for recommender systems. A paraphrase similarity model is applied to widely available textual data, such as reviews and product descriptions, yielding new semantic…

The prosperity of mobile and financial technologies has bred and expanded various kinds of financial products to a broader scope of people, which contributes to advocating financial inclusion. It has non-trivial social benefits of…

Using high-quality nation-wide social security data combined with machine learning tools, we develop predictive models of income support receipt intensities for any payment enrolee in the Australian social security system between 2014 and…

Data augmentation methods in combination with deep neural networks have been used extensively in computer vision on classification tasks, achieving great success; however, their use in time series classification is still at an early stage.…

Online platforms in the Internet Economy commonly incorporate recommender systems that recommend products (or "arms") to users (or "agents"). A key challenge in this domain arises from myopic agents who are naturally incentivized to exploit…

Online advertising aims to increase user engagement and maximize revenue, but users respond heterogeneously to ad exposure. Some users purchase only when exposed to ads, while others purchase regardless of exposure, and still others never…

Machine learning algorithms that learn black-box predictive models (which cannot be directly interpreted) are increasingly used to make predictions affecting the lives of people. It is important that users understand the predictions of such…

We study a data analyst's problem of acquiring data from self-interested individuals to obtain an accurate estimation of some statistic of a population, subject to an expected budget constraint. Each data holder incurs a cost, which is…