Serious concerns about the invasion of digital footprint information privacy due to intense commercial promotion through data mining has led to the emergence of privacy by design in the form of the Do Not Track (DNT) mechanism. This paper attempts to construct a theory to justify and find an...

Background From the last decade, data mining techniques, employed in particular in customer relationship management, have assumed a key role in the profitability and operations of companies. To support small and medium companies (SMEs), several innovative and continuously improving tools have...

One crucial task of actuaries is to structure data so that observed events are explained by their inherent risk factors. They are proficient at generalizing important elements to obtain useful forecasts. Although this expertise is beneficial when paired with conventional statistical models, it...

Airtime lending default rates are typically lower than those experienced by banks and microfinance institutions (MFIs) but are likely to grow as the service is offered more widely. In this paper, credit scoring techniques are reviewed, and that knowledge is built upon to create an appropriate...

Technological innovation requires large investments. Venture capital (VC) is a prominent financial source for innovative start-ups. A venture capitalist will inevitably transfer knowledge to facilitate the innovation of a firm while monitoring and advising its portfolio companies. Only when a...

The agri-food sector is an endless source of expansion for nourishing a vast population, but there is a considerable need to develop high-standard procedures through intelligent and innovative technologies, such as artificial intelligence (AI) and big data. This paper addresses the research...

The growing trend in the number and severity of auto insurance claims creates a needfor new methods to efficiently handle these claims. Machine learning (ML) is one of the methodsthat solves this problem. As car insurers aim to improve their customer service, these companieshave started adopting...

Big data has become a very frequent research topic, due to the increase in data availability. In this introductory paper, we make the linkage between the use of big data and Econophysics, a research field which uses a large amount of data and deals with complex systems. Different approaches such...

In many applications of the multivariate analyses of variance, the classic parametric solutions for testing hypotheses of equality in population means or multisample and multivariate location problems might not be suitable for various reasons. Multivariate multisample location problems lack a...

From the perspective of live commerce consumers in South Korea, this study aimed to investigate the changes in consumer interest since the onset of the coronavirus disease 2019 (COVID-19) pandemic. To this end, a consumer perception survey on live commerce was conducted. Further, this study...