To assess the risk of a loan applicant defaulting, lenders feed applicants‟ data into credit scoring algorithms. They are always looking to improve the effectiveness of their predictions, which means improving the algorithms and/or collecting different data. Research on financial behavior found that elements of a person‟s family history and social ties can be good predictors of financial respon...

It has been shown that traditional forms of communication negatively affect idea generation processes. Creativity support systems can help to avoid these impacts and provide alternative means of interaction for which the known negative affects do not apply. In this paper, we investigate the impact of chat communication on computer-supported idea generation processes. The results show that idea ...

This study is concerned with the reliability of biometric verification systems when used in forensic applications. In particular, when such systems are subjected to targeted impersonation attacks. The authors expand on the existing work in targeted impersonation, focusing on how best to measure the reliability of verification systems in forensic contexts. It identifies two scenarios in which ta...

The discussion started with a workshop on analytical uncertainty and rational specification setting in Frankfurt, January 31, 2002. As a conclusion of the presentations and discussion, a draft paper was published [1, 2] and accepted with some changes after a thorough discussion at the annual meeting of the Working Group Drug Quality Control / Pharmaceutical Analytics in October 2002 in Berlin [3].

Effective health care interventions are underutilized in the developing world, and income-related disparities in use are large. The evidence concerning this access problem is summarized and its demand side causes are identified. Broad strategies that have been proposed to tackle the access problem through changes in economic incentives are considered. It is argued that there is a need to go bey...

A theoretical framework for viewing health services utilization is presented, emphasizing the importance of the (1) characteristics of the health services delivery system, (2) changes in medical technology and social norms relating to the definition and treatment of illness, and (3) individual determinants of utilization. These three factors are specified within the context of their impact on t...

This paper is motivated by the fact that text dependent speaker recognition is inherently more accurate than text independent speaker recognition. In this work we assign models to frequent words spoken by a speaker and spot them in a test call. In this way, text-dependent speaker recognition technology can be used for text independent tasks. The approach we take is to use DTW (Dynamic Time Warp...

Software developed for a specific customer under contract typically undergoes a period of testing by the customer before acceptance. This is known as user acceptance testing and the process can reveal both defects in the system and requests for changes to the product. This paper uses nonhomogeneous Poisson processes to model a real user acceptance data set from a recently developed system. In p...