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Full-Text Articles in Computer Engineering
A Window Of Opportunity: Assessing Behavioural Scoring, Kenneth Kennedy, Brian Mac Namee, Sarah Jane Delany, Michael O'Sullivan, Neil Watson
A Window Of Opportunity: Assessing Behavioural Scoring, Kenneth Kennedy, Brian Mac Namee, Sarah Jane Delany, Michael O'Sullivan, Neil Watson
Articles
After credit has been granted, lenders use behavioural scoring to assess the likelihood of default occurring during some specific outcome period. This assessment is based on customers’ repayment performance over a given fixed period. Often the outcome period and fixed performance period are arbitrarily selected, causing instability in making predictions. Behavioural scoring has failed to receive the same attention from researchers as application scoring. The bias for application scoring research can be attributed, in part, to the large volume of data required for behavioural scoring studies. Furthermore, the commercial sensitivities associated with such a large pool of customer data often …
A Review Of Situation Identification Techniques In Pervasive Computing, Juan Ye, Simon Dobson, Susan Mckeever
A Review Of Situation Identification Techniques In Pervasive Computing, Juan Ye, Simon Dobson, Susan Mckeever
Articles
Pervasive systems must offer an open, extensible, and evolving portfolio of services which integrate sensor data from a diverse range of sources. The core challenge is to provide appropriate and consistent adaptive behaviours for these services in the face of huge volumes of sensor data exhibiting varying degrees of precision, accuracy and dynamism. Situation identification is an enabling technology that resolves noisy sensor data and abstracts it into higher-level concepts that are interesting to applications. We provide a comprehensive analysis of the nature and characteristics of situations, discuss the complexities of situation identification, and review the techniques that are most …