相关论文: Personalized Communication Strategies: Towards A N…
This paper examines whether repeated payday loan use, commonly known as the debt trap, harms borrowers' financial wellbeing. Using Open Banking data from 1,815 UK borrowers observed between 2017 and 2018, we model borrowing intensity using…
Technical debt refers to taking shortcuts to achieve short-term goals, which might negatively influence software maintenance in the long-term. There is increasing attention on technical debt that is admitted by developers in source code…
This white paper provides an overview of the topic of "technical debt" and presents an approach for managing technical debt in teams. The white paper is based on the results of my dissertation, which aimed to translate scientific findings…
Empathy is critical for effective and satisfactory conversational communication. Prior efforts to measure conversational empathy mostly focus on expressed communicative intents -- that is, the way empathy is expressed. Yet, these works…
This literature review elucidates the implications of behavioral biases, particularly those stemming from overconfidence and framing, on the intertemporal choices made by students on their underline demand preferences for student loans. A…
Conversational Recommender Systems (CRS) provide personalized services through multi-turn interactions, yet most existing methods overlook users' heterogeneous decision-making styles and knowledge levels, which constrains both accuracy and…
Debt aversion can have severe adverse effects on financial decision-making. We propose a model of debt aversion, and design an experiment involving real debt and saving contracts, to elicit and jointly estimate debt aversion with…
We study a sequential mechanism design problem in which a principal seeks to elicit truthful reports from multiple rational agents while starting with no prior knowledge of agents' beliefs. We introduce Distributionally Robust Adaptive…
Online psychological counseling dialogue systems are trending, offering a convenient and accessible alternative to traditional in-person therapy. However, existing psychological counseling dialogue systems mainly focus on basic empathetic…
Self-admitted technical debt refers to situations where a software developer knows that their current implementation is not optimal and indicates this using a source code comment. In this work, we hypothesize that it is possible to develop…
Partnering with a large online retailer, we consider the problem of sending daily personalized promotions to a userbase of over 20 million customers. We propose an efficient policy for determining, every day, the promotion that each…
Networks of financial exposures are the key propagators of risk and distress among banks, but their empirical structure is not publicly available because of confidentiality. This limitation has triggered the development of methods of…
Mobility data is essential for cities and communities to identify areas for necessary improvement. Data collected by mobility providers already contains all the information necessary, but privacy of the individuals needs to be preserved.…
Myers-Briggs Type Indicator (MBTI) types depict the psychological preferences by which a person perceives the world and make decisions. There are 4 principal functions through which the people see the world: sensation, intuition, feeling,…
Realistic practice and tailored feedback are key processes for training peer counselors with clinical skills. However, existing mechanisms of providing feedback largely rely on human supervision. Peer counselors often lack mechanisms to…
Conversational agents are increasingly expected to adapt across contexts and evolve their personalities through interactions, yet most remain static once configured. We present an exploratory study of how user expectations form and evolve…
We study linear dueling bandits in volatile environments characterized by the simultaneous presence of post-serving contexts, delayed feedback, and adversarial corruption. Feedback is subject to unknown stochastic or adversarial delays and…
Customizing persuasive conversations related to the outcome of interest for specific users achieves better persuasion results. However, existing persuasive conversation systems rely on persuasive strategies and encounter challenges in…
Technical debt refers to taking shortcuts to achieve short-term goals while sacrificing the long-term maintainability and evolvability of software systems. A large part of technical debt is explicitly reported by the developers themselves;…
The ability to recognize students weakness and solve any problem that may confront them in timely fashion is always a target for all educational institutions. Thus, colleges and universities implement the so-called academic advising…