Study reveals patterns of mixed-use urban evolution in Rome.
problem Understanding urban growth and societal evolution in Rome.
method Quantitative analysis of historical commercial activities in Rome.
result Double exponential trend in the age of commercial activities, indicating economic effects and crisis periods.
Improved accuracy in a commercial assistant by smartly selecting new training data.
problem Expensive and time-consuming to annotate new data for ML systems.
method Automatically identifies new helpful examples suitable for human annotation.
result The proposed method leads to higher accuracy improvements with a fixed annotation budget.
Study uses neural networks to predict credit risk in banks.
problem Credit risk management in commercial banks.
method Backpropagation neural network model.
result Neural network model improves credit risk prediction.
New algorithm extracts device profiles for short-term power predictions in commercial buildings.
problem Short-term power prediction in commercial buildings with high accuracy.
method Unsupervised extraction of device profiles from aggregate power measurements, disaggregation using particle swarm optimization, and state changes forecast by artificial neural networks.
result Developed approach outperforms existing methods with high accuracy.
Using the new data from the OECD-WTO world network of economic activities we construct the Google matrix G of this directed network and perform its detailed analysis. The network contains 58 countries and 37 activity sectors for years 1995 and 2008. The construction of G, based on Markov chain transitions, treats a…
Study examines financial performance determinants of Kenyan microfinance banks.
problem Competition from commercial banks threatens microfinance banks' financial performance.
method Descriptive research design with secondary data analysis.
result Operational efficiency, capital adequacy, and firm size positively correlate with financial performance.
French bank uses corporate transaction data to predict credit default risk better than traditional methods.
problem Predicting credit default risk of enterprises using financial ratios and transaction data.
method Advanced machine learning methods applied to transaction data.
result Transaction data outperforms traditional financial ratios in predicting credit default risk.
Mobile payment incentives optimized using merchant transaction networks.
problem Optimizing marketing campaigns with limited budgets.
method Graph representation learning on transaction networks.
result Effective modeling of merchant sensitivity to incentives.
Analyzes Indian commercial dynamism using time series data.
problem Understanding commercial dynamism in India.
method Time series analysis of various economic indicators.
result Detailed insights into growth rate, trade balance, etc.
Study examines factors influencing lending to SMEs by Kenyan banks.
problem Lack of creditworthiness makes SMEs difficult to finance by banks.
method Descriptive research design, census of 43 banks, secondary data analysis.
result Bank size and liquidity significantly influence lending to SMEs, while credit risk and interest rates do not.
DBMs model Fitbit usage patterns revealing two distinct weekly usage habits.
problem Challenges in modeling activity tracker data due to unlabeled data.
method Deep Boltzmann Machines (DBMs) for unsupervised learning of weekly usage patterns.
result Two distinct weekly usage patterns identified: frequent Monday-Tuesday use and consistent weekly use.
Using the new data from the OECD-WTO world network of economic activities we construct the Google matrix G of this directed network and perform its detailed analysis. The network contains 58 countries and 37 activity sectors for years 1995, 2000, 2005, 2008, 2009. The construction of G, based on Markov chain transi…
Study creates a dataset for fraud detection in online auctions.
problem Difficulty in detecting Shill Bidding (SB) due to similarity with normal bidding.
method Scraped eBay auctions, preprocessed data, created SB dataset.
result Shared preprocessed auction dataset for fraud detection.
The paper examines how FDI influences trade in CEE countries, finding outward FDI boosts integration.
problem Understanding the relationship between FDI and trade in CEE countries.
method Panel gravitational model, fixed effects, random effects, instrumental variable estimator over 2000-2013.
result Outward FDI sustains CEE countries' commercial integration, complementing trade.
The study compares profitability of conventional and Islamic banks in Bangladesh.
problem Evaluating profitability of commercial banks in Bangladesh.
method Examined bank-specific, industry-specific, and banking system factors on profitability.
result Islamic banks consistently outperform conventional banks in profitability.
Aiming at quantifying and evaluating the regional commercial environment along with the level of economic development among cities in mainland China, the concept of China City Commercial Environment Credit Index(CEI) was first introduced and established in 2010. In this manuscript, a historical review and detailed intr…
This paper develops a machine learning model to assess credit risk in UAE commercial banks.
problem Lack of precision in conventional credit rating tools for accurate credit risk prediction.
method Constructs a credit risk assessment model using Linear Discriminant Analysis.
result Demonstrates improved accuracy in predicting good and bad creditors compared to conventional methods.
Large speech dataset for commercial use with 9.98% word error rate.
problem Creating a diverse speech recognition dataset for commercial purposes.
method Internet search for licensed audio data with transcriptions, training model on the dataset.
result Model trained on dataset achieves 9.98% word error rate on Librispeech's test-clean test set.
Article offers models for choosing sale-leaseback vs debt.
problem Choosing between sale-leaseback and debt for commercial real estate.
method Developed decision models for leasing.
result Models can be applied to various types of leasing.
Spacematch matches office workers with suitable workspaces based on their preferences.
problem Matching workers with suitable workspaces in ABW environments.
method Developed a web-based mobile app to collect occupant preferences and IoT sensors for real-time environmental feedback.
result Occupant preferences can be segmented and matched to build a recommendation platform.
Automated scoring prioritizes risky driving behavior in telematic auto insurance policies.
problem Identifying risky driving behavior in telematic auto insurance policies using machine learning.
method Bayesian approach using MCMC to model propensity of policyholders to undertake trips resulting in positive classification.
result The approach improves efficiency of human resource allocation in identifying risky driving behavior.
Gaussian Processes improve sales forecasting for large retail data.
problem Challenges in forecasting sales with large scale data.
method Large-scale Gaussian Processes for feature relevance and posterior mean analysis.
result Value of Gaussian Processes as a decision-making tool for management.
Study shows visual feedback and monetary incentives reduce plugload energy consumption in commercial buildings.
problem Mitigating energy consumption in commercial buildings through occupant plugload control.
method Field experiments with visual feedback and monetary incentives in government and university buildings.
result Mean energy reduction of ~9.52% in office environments and ~21.61% in university environments with visual feedback.
SPMF improves social recommendation by considering trust and preference domains.
problem Ignoring trust and preference domain differences in social recommendations.
method SPMF uses matrix factorization with trust and preference segmentation.
result SPMF outperforms state-of-the-art recommendation algorithms.
Study examines credit risk's impact on Vietnamese banks' financial performance.
problem Impact of credit risk on commercial banks' financial performance in Vietnam.
method Dynamic Difference Generalized Method of Moments (dynamic Difference GMM) approach to address autocorrelation, non-constant variance, and endogeneity issues.
result ROE and NIM persist from one year to the next, while NPLR negatively affects ROA and ROE.
AI enhances bank credit risk management through deep learning and data analysis.
problem Inaccurate credit decisions and potential risks in bank credit risk management.
method Innovative application of AI technology, including deep learning and big data analysis.
result AI provides more accurate and comprehensive credit decision support, reducing risks and losses.
FinTech negatively impacts Chinese banks' financial sustainability.
problem Impact of FinTech on financial sustainability of Chinese commercial banks.
method Three-stage network DEA-Malmquist model and two-way fixed effects model.
result FinTech primarily undermines financial sustainability by eroding loan efficiency and profitability.
As economic entities become increasingly interconnected, a shock in a financial network can provoke significant cascading failures throughout the system. To study the systemic risk of financial systems, we create a bi-partite banking network model composed of banks and bank assets and propose a cascading failure model …
Bayesian approach improves rain field reconstruction using CMLs and DMs.
problem Challenges in accurately reconstructing ground-level rainfall from CML path-integrated measurements.
method Bayesian inverse problem with Diffusion Models as priors.
result Improved performance in rainfall estimation compared to existing methods.
Deep learning improves singing processing tasks.
problem Lack of data and computing resources for singing processing.
method State-of-the-art deep learning techniques.
result Advances in accuracy and sound quality.
Study analyzes factors affecting capital adequacy in Bangladesh's banks.
problem Factors influencing capital adequacy in commercial banks in Bangladesh.
method Fixed Effect, Random Effect, and Pooled Ordinary Least Square (POLS) methods.
result Several independent variables significantly affect capital adequacy, with specific relationships between leverage, liquidity risk, and other factors.
DeFi exploits lead to reduced CP spreads, contrary to contagion hypothesis.
problem Vulnerabilities in DeFi destabilize traditional short-term funding markets.
method Analysis of commercial paper spreads and regulatory segmentation.
result DeFi exploits lead to a 'Flight-to-Quality' pattern, narrowing rather than widening CP spreads.
New approach uses structure information to improve semi-supervised SVM active learning.
problem Insufficient use of structure information in current active learning methods.
method Combines active learning and semi-supervised learning for SVM, capturing structure information through probabilistic models.
result Significantly better results than state-of-the-art methods on 20 benchmark datasets.
Study compares three performance metrics of Bangladeshi banks.
problem Comparing different performance metrics of commercial banks.
method Empirical framework using MPI, ROA, TSR over 2011-2015.
result Productivity growth was recorded, but profitability and stock performance were negative.
Unified model of urban consumer behavior and mobility patterns.
problem Understanding the lifestyles and infrastructure of urban regions.
method Collective matrix factorization for dual view modeling of consumer behavior and mobility.
result Unified model reveals deeper insights into consumer behavior and mobility patterns.
Developed a cost and revenue model for HEMS to estimate breakeven transport volumes under different reimbursement and labor cost assumptions.
problem Estimating breakeven transport volumes for HEMS under varying reimbursement and labor cost assumptions.
method Developed a two-part model: cost framework and actuarial revenue model using healthcare encounter data and payer reimbursement rates.
result Estimated breakeven transport volumes under different reimbursement and labor cost assumptions.
A new deep learning benchmark reduces resource needs.
problem Understanding and training deep learning models requires significant resources.
method Introducing MNIST-1D, a minimalist benchmark.
result MNIST-1D enables efficient deep learning research and prototyping.
This work aims to separate buying preferences from merchandise commercials in fashion e-retail.
problem Difficult to infer customer preference from sales data due to implicit signals.
method Extends earlier work on explicit signals to implicit signals from user behavior.
result Derives a metric to separate buying preferences from merchandise commercials.
TDA improves understanding of B2B customer loyalty.
problem Understanding and strengthening B2B customer relationships.
method Topological Data Analysis applied to commercial data.
result TDA enhances customer base understanding and predictive model accuracy.
The paper uses CPI growth rates to improve LGD predictions for CRE loans.
problem Challenges in forecasting LGD for CRE loans due to extended resolution times and restricted data.
method Combines internal and public data, including CPI growth rates, to forecast CRE LGD.
result Incorporating CPI at the time of default improves LGD prediction accuracy.
Simplified EEG analysis improves Parkinson's disease detection.
problem Improving accuracy in EEG-based Parkinson's disease diagnosis.
method Binary electrode grouping, Tsallis Entropy, and dual ec/eo EEG states.
result Binary grouping retains enough information for HC vs PD discrimination.
Wide & Deep combines linear and deep learning for better app recommendations.
problem Sparse user-item interactions lead to less relevant recommendations.
method Jointly trains wide linear models and deep neural networks.
result Wide & Deep significantly increases app acquisitions compared to wide-only and deep-only models.
Agents buy and sell services. All services are of equal quality. Buyers choose sellers at random. Monetary and fiscal policies are imposed by a central bank and a central government. Credit is supplied by a commercial banking system. Propensities to buy, sell, and lend depend on account balances, interest rates, tax ra…
System uses TDA for user segmentation and demand forecasting.
problem User loyalty and demand forecasting challenges.
method TDA-based clustering of time series data with matrix factorization.
result Significantly higher accuracy in clustering and demand forecasting.
Study quantifies inefficiencies in U.S. equity markets, identifying open/close periods and affected stocks.
problem Inefficiencies in U.S. equity markets, particularly near open and close times.
method Comprehensive dataset analysis of trading activity, focusing on quote dislocations.
result Around 23% of trades occur during quote dislocations, leading to estimated $2 billion USD in opportunity costs.
Quantum computer optimizes investment portfolios, outperforming traditional methods.
problem Minimizing risk while meeting return and budget constraints in investment portfolios.
method Used D-Wave quantum annealer and hybrid solvers to solve Portfolio Optimization problem.
result D-Wave quantum solution performs close to traditional commercial solvers for tested problem sizes.
Small LLMs outperform large ones on simple tasks without extra labelling costs.
problem Performance of large commercial models in simple classification tasks.
method Logistic Regression on small LLM embeddings.
result Small LLMs equal or outperform large LLMs in 'tens-of-shot' classification tasks.
Quantum game theory, whatever opinions may be held due to its abstract physical formalism, have already found various applications even outside the orthodox physics domain. In this paper we introduce the concept of a quantum auction, its advantages and drawbacks. Then we describe the models that have already been put f…