scholarly journals Can System Logs Enhance the Performance of Credit Scoring? – Evidence from an Internet Bank in Korea

2021 ◽  
Author(s):  
Sunghyun Kyeong ◽  
Daehee Kim ◽  
Jinho Shin
Keyword(s):  
Decision Making ◽  
Credit Rating ◽  
Low Cost ◽  
Credit Scoring ◽  
Banking System ◽  
Mobile App ◽  
Discrimination Power ◽  
Log Data ◽  
Internet Bank ◽  
System Logs

This study is the first to examine whether the performance of credit rating, one of the most important data-based decision-making of banks, can be improved by using banking system log data that is extensively accumulated inside the bank for system operation. This study uses the log data recorded for the mobile app system of Kakaobank, a leading internet bank used by more than 14 million people in Korea. After generating candidate variables from Kakaobank's vast log data, we develop a credit scoring model by utilizing variables with high information values. Consequently, the discrimination power of the new model compared to the credit bureau grades was significantly improved by 1.84% points based on the Kolmogorov–Smirnov statistics. Therefore, the results of this study imply that if a bank utilizes its log data that have already been extensively accumulated inside the bank, decision-making systems, including credit scoring, can be efficiently improved at a low cost.

scholarly journals Can System Log Data Enhance the Performance of Credit Scoring?—Evidence from an Internet Bank in Korea

2021 ◽  
Vol 14 (1) ◽  
pp. 130
Author(s):  
Sunghyon Kyeong ◽  
Daehee Kim ◽  
Jinho Shin
Keyword(s):  
Decision Making ◽  
Logistic Regression ◽  
Credit Scoring ◽  
Model Performance ◽  
Sampled Data ◽  
Discrimination Power ◽  
Log Data ◽  
Scoring Model ◽  
Internet Bank ◽  
Credit Scoring Model

The credit scoring model is one of the most important decision-making tools for the sustainability of banking systems. This study is the first to examine whether it can be improved by using system log data that are stoed extensively for system operation. We used the log data recorded by the mobile application system of KakaoBank, a leading internet bank used by more than 14 million people in Korea. After generating candidate variables from KakaoBank’s log data, we created a credit scoring model by utilizing variables with high information values and logistic regression, the most common method for developing credit scoring models in financial institutions. To prove our hypothesis on the improvement of credit scoring model performance, we performed an independent sample t-test using the simulation results of repeated model development and performance measurement based on randomly sampled data. Consequently, the discrimination power of the proposed model using logistic regression (neural network) compared to the credit bureau-based model significantly improved by 1.84 (2.22) percentage points based on the Kolmogorov–Smirnov statistics. The results of this study suggest that a bank can utilize the accumulated log data inside the bank to improve decision-making systems, including credit scoring, at a low cost.

Credit scoring using system log data in the internet bank

2021 ◽  
Author(s):  
Sunghyon Kyeong ◽  
Daehee Kim ◽  
Jinho Shin
Keyword(s):  
Credit Scoring ◽  
The Internet ◽  
Log Data ◽  
Internet Bank

Virtual Clinical and Precision Medicine Tumor Boards: A Cloud-based Platform-mediated Implementation of Multidisciplinary Reviews among Oncology Centers in the Covid-19 Era. (Preprint)

2020 ◽  
Author(s):  
Livio Blasi ◽  
Roberto Bordonaro ◽  
Vincenzo Serretta ◽  
Dario Piazza ◽  
Alberto Firenze ◽  
...  
Keyword(s):  
Decision Making ◽  
Health Professionals ◽  
Clinical Pathways ◽  
Prospective Trial ◽  
Banking System ◽  
Outcome Data ◽  
Tumor Board ◽  
Time Saving ◽  
Tumor Boards ◽  
Multidisciplinary Tumor Board

BACKGROUND Multidisciplinary tumor boards play a pivotal role in the patients -centered clinical management and in the decision-making process to provide best evidence -based, diagnostic and therapeutic care to cancer patients. Among the barriers to achieve an efficient multidisciplinary tumor board, lack of time and geographical distance play a major role. Therefore the elaboration of an efficient virtual multidisciplinary tumor board (VMTB) is a key-point to reach a successful oncology team and implement a network among health professionals and institutions. This need is stronger than ever in a Covid-19 pandemic scenario. OBJECTIVE This paper presents a research protocol for an observational study focused on exploring the structuring process and the implementation of a multi-institutional VMTB in Sicily. Other endpoints include analysis of cooperation between participants, adherence to guidelines, patients’ outcomes, and patients satisfaction METHODS This protocol encompasses a pragmatic, observational, multicenter, non-interventional, prospective trial. The study's programmed duration is five years, with a half-yearly analysis of the primary and secondary objectives' measurements. Oncology care health-professionals from various oncology subspecialties at oncology departments in multiple hospitals (academic and general hospitals as well as tertiary centers and community hospitals) are involved in a non-hierarchic fashion. VMTB employ an innovative, virtual, cloud-based platform to share anonymized medical data which are discussed via a videoconferencing system both satisfying security criteria and HIPAA compliance. RESULTS The protocol is part of a larger research project on communication and multidisciplinary collaboration in oncology units and departments spread in the Sicily region in Italy. Results of this study will particularly focus on the organization of VMTB involving oncology units present in different hospitals spread in the area and create a network to allow best patients care pathways and a hub and spoke relationship. Results will also include data concerning organization skills and pitfalls, barriers, efficiency, number and type con clinical cases, and customers’ satisfaction. CONCLUSIONS VMTB represents a unique opportunity to optimize patient’s management in a patient centered approach. An efficient virtualization and data banking system is potentially time-saving, a source for outcome data, and a detector of possible holes in the hull of clinical pathways. The observations and results from this VMTB study may hopefully useful to design nonclinical and organizational interventions that enhance multidisciplinary decision-making in oncology.

scholarly journals Satellite-Based Personal UV Dose Estimation

Atmosphere ◽  
2021 ◽  
Vol 12 (2) ◽  
pp. 268
Author(s):  
Todd C. Harris ◽  
Laurent Vuilleumier ◽  
Claudine Backes ◽  
Athanasios Nenes ◽  
David Vernez
Keyword(s):  
Measurement Errors ◽  
Low Cost ◽  
Public Health Research ◽  
Mobile App ◽  
Population Exposure ◽  
Dose Estimation ◽  
Annual Dose ◽  
Significant Step ◽  
Uv Dose ◽  
Dosimetry Measurement

Epidemiology and public health research relating to solar ultraviolet (UV) exposure usually relies on dosimetry to measure UV doses received by individuals. However, measurement errors affect each dosimetry measurement by unknown amounts, complicating the analysis of such measurements and their relationship to the underlying population exposure and the associated health outcomes. This paper presents a new approach to estimate UV doses without the use of dosimeters. By combining new satellite-derived UV data to account for environmental factors and simulation-based exposure ratio (ER) modelling to account for individual factors, we are able to estimate doses for specific exposure periods. This is a significant step forward for alternative dosimetry techniques which have previously been limited to annual dose estimation. We compare our dose estimates with dosimeter measurements from skiers and builders in Switzerland. The dosimetry measurements are expected to be slightly below the true doses due to a variety of dosimeter-related measurement errors, mostly explaining why our estimates are greater than or equal to the corresponding dosimetry measurements. Our approach holds much promise as a low-cost way to either complement or substitute traditional dosimetry. It can be applied in a research context, but is also fundamentally well-suited to be used as the basis for a dose-estimating mobile app that does not require an external device.

scholarly journals Housing Programs for the Poor in Addis Ababa: Urban Commons as a Bridge between Spatial and Social

2021 ◽  
pp. 009614422198997
Author(s):  
Marianna Charitonidou
Keyword(s):  
Decision Making ◽  
Urban Planning ◽  
Low Income ◽  
Addis Ababa ◽  
Low Cost ◽  
Development Program ◽  
Housing Program ◽  
Cultural Aspects ◽  
The Poor ◽  
The Government

The article presents the reasons for which the issue of providing housing to low-income citizens has been a real challenge in Addis Ababa during the recent years and will continue to be, given that its population is growing extremely fast. It examines the tensions between the universal aspirations and the local realities in the case of some of Ethiopia’s most ambitious mass pro-poor housing schemes, such as the “Addis Ababa Grand Housing Program” (AAGHP), which was launched in 2004 and was integrated in the “Integrated Housing Development Program” (IHDP) in 2006. The article argues that the quotidian practices of communities and their socio-economic and cultural characteristics are related to the spatial attributes of co-housing practices. Drawing upon the idea that there is a mutual correspondence between social and spatial structures, it places particular emphasis on the analysis of the IHDP and aims to show that to shape strategies that take into account the social and cultural aspects of daily life of the poor citizens of Addis Ababa, it is pivotal to invite them to take part in the decision-making processes regarding their resettlement. Departing from the fact that a large percentage of the housing supply in Addis Ababa consists of informal unplanned housing, the article also compares the commoning practices in kebele houses and condominium units. The former refers to the legal informal housing units owned by the government and rented to their dwellers, whereas the latter concerns the housing blocks built in the framework of the IHDP for the resettlement of the kebele dwellers. The article analyzes these processes of resettlement, shedding light of the fact that kebele houses were located at the inner city, whereas the condominiums are located in the suburbs. Despite the fact that the living conditions in the condominium units are of a much higher quality than those in the kebele houses, their design underestimated or even neglected the role of the commoning practices. The article highlights the advantages of commoning practices in architecture and urban planning, and how the implementation of participation-oriented solutions can respond to the difficulties of providing housing. It argues that understanding the significance of the endeavors that take into account the opinions of dwellers during the phase of decision-making goes hand in hand with considering commoning practices as a source of architecture and urban planning frameworks for low-cost housing in this specific context. The key argument of the article is that urban planning and architecture solutions in Addis Ababa should be based on the principles of the so-called “negotiated planning” approach, which implies a close analysis of the interconnections between planning, infrastructure, and land.

Improving the Perception of Patient-Centered Wellness in a Virtual Population During the COVID-19 Pandemic

2021 ◽  
pp. JDNP-D-20-00078
Author(s):  
Sybilla Myers ◽  
Christopher Kennedy
Keyword(s):  
Quality Of Life ◽  
Decision Making ◽  
Shared Decision Making ◽  
Cognitive Theory ◽  
Well Being ◽  
Mobile App ◽  
Shared Decision ◽  
Patient Centered ◽  
The Social

BackgroundPerceived health-related quality of life (HRQOL) is fundamental to well-being and is a meaningful way to measure physical and mental health.Local ProblemNo standard method exists for measuring perceived HRQOL during the COVID-19 pandemic in participants as they attempt to improve their self-determined wellness goals. An implementation plan that considers the social distancing limitations imposed can be used to predict an individual’s likelihood of long-term success.MethodsDuring the four, 2-week plan-do-study-act (PDSA) cycles, the Social Cognitive Theory model informed the implementation of the four core interventions. To guide iterative changes, the data was analyzed through Excel and run charts.InterventionsThe four core interventions were the shared decision-making tool (SDMT), health mobile app tool (HMAT), wellness tracker tool (WTT), and the team engagement plan.ResultsAmong 28 participants, perceived quality of life increased by 70%, engagement in shared decision-making increased to 82%, app use and confidence increased to 85%, and goal attainment reached 81%.ConclusionsThe SDMT, health app, and wellness tracker created a methodical plan of accountability for increasing participant wellness. The contextual barrier of the COVID-19 pandemic added a negative wellness burden which was mitigated by creating a patient-centered culture of wellness.

scholarly journals Aptamers for Detection and Diagnostics (ADD): Can mobile systems linked to biosensors support molecular diagnostics of SARS-CoV-2? Should molecular medicine explore multiple alternatives as adjuvants to or replacement for traditional and non-traditional vaccines?

2021 ◽  
Author(s):  
Shoumen Datta
Keyword(s):  
Data Sharing ◽  
Molecular Diagnostics ◽  
Low Cost ◽  
Mobile App ◽  
Mobile Systems ◽  
Molecular Medicine ◽  
Invasive Monitoring ◽  
Non Invasive ◽  
Secure Information ◽  
Biomedical Device

Proposed SARS-CoV-2 surveillance tool using a mobile app for non-invasive monitoring of humans and animals. <p>Engineering a biomedical device as a low-cost, non-invasive, detection, and diagnostic platform for surveillance of infections in humans, and animals. The system embraces the IoT <i>“digital by design”</i> metaphor by incorporating elements of connectivity, data sharing and (secure) information arbitrage. Using an array of aptamers to bind viral targets may help in detection, diagnostics, and potentially prevention in case of SARS-CoV-2. The ADD tool may become part of a broader platform approach.</p>

scholarly journals Crowdsourcing LUCAS: Citizens Generating Reference Land Cover and Land Use Data with a Mobile App

2020 ◽  
Author(s):  
Juan Carlos Laso Bayas ◽  
Linda See ◽  
Hedwig Bartl ◽  
Tobias Sturn ◽  
Mathias Karner ◽  
...  
Keyword(s):  
Land Use ◽  
Land Cover ◽  
Change Detection ◽  
Survey Data ◽  
Target Location ◽  
Low Cost ◽  
Mobile App ◽  
Sample Survey ◽  
In Situ Data

There are many new land use and land cover (LULC) products emerging yet there is still a lack of in-situ data for training, validation, and change detection purposes. The LUCAS (Land Use Cover Area frame Sample) survey is one of the few authoritative in-situ field campaigns, which takes place every three years in European Union member countries. More recently, a study has considered whether citizen science and crowdsourcing could complement LUCAS survey data, e.g., through the FotoQuest Austria mobile app and crowdsourcing campaign. Although the data obtained from the campaign were promising when compared with authoritative LUCAS survey data, there were classes that were not well classified by the citizens, and the photographs submitted through the app were not always of sufficient quality. For this reason, in the latest FotoQuest Go Europe 2018 campaign, several improvements were made to the app to facilitate interaction with the citizens contributing and to improve their accuracy in LULC identification. In addition to extending the locations from Austria to Europe, a change detection component (comparing land cover in 2018 to the 2015 LUCAS photographs) was added, as well as an improved LC decision tree and a near real-time quality assurance system to provide feedback on the distance to the target location, the LULC classes chosen and the quality of the photographs. Another modification was the implementation of a monetary incentive scheme in which users received between 1 to 3 Euros for each successfully completed quest of sufficient quality. The purpose of this paper is to present these new features and to compare the results obtained by the citizens with authoritative LUCAS data from 2018 in terms of LULC and change in LC. We also compared the results between the FotoQuest campaigns in 2015 and 2018 and found a significant improvement in 2018, i.e., a much higher match of LC between FotoQuest Go Europe and LUCAS. Finally, we present the results from a user survey to discuss challenges encountered during the campaign and what further improvements could be made in the future, including better in-app navigation and offline maps, making FotoQuest a model for enabling the collection of large amounts of land cover data at a low cost.

scholarly journals Aptamers for Detection and Diagnostics (ADD) is a proposed mobile app acquiring optical data from conjugated quantum nanodots to identify molecules indicating presence of SARS-CoV-2 virus: Why public health and healthcare need smartphone sensors as a platform for early detection and prevention

2020 ◽  
Author(s):  
Shoumen Datta
Keyword(s):  
Low Cost ◽  
Mobile App ◽  
Optical Data ◽  
Invasive Monitoring ◽  
Non Invasive ◽  
Secure Information ◽  
Biomedical Device ◽  
Smartphone Sensors ◽  
Healthcare Need ◽  
Early Detection And Prevention

Proposed SARS-CoV-2 surveillance tool using a mobile app for non-invasive monitoring of humans and animals. <p>Engineering a biomedical device as a low-cost, non-invasive, detection, and diagnostic platform for surveillance of infections in humans, and animals. The system embraces the IoT <i>“digital by design”</i> metaphor by incorporating elements of connectivity, data sharing and (secure) information arbitrage. Using an array of aptamers to bind viral targets may help in detection, diagnostics, and potentially prevention in case of SARS-CoV-2. The ADD tool may become part of a broader platform approach.</p>

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