Proceedings of the Tenth International Conference on Information and Communication Technologies and Development最新文献

Effective credit scoring using limited mobile phone data 有效的信用评分使用有限的移动电话数据

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287116

Astrid Bicamumpaka Shema

{"title":"Effective credit scoring using limited mobile phone data","authors":"Astrid Bicamumpaka Shema","doi":"10.1145/3287098.3287116","DOIUrl":"https://doi.org/10.1145/3287098.3287116","url":null,"abstract":"There has been a recent explosion of companies providing micro-loans through digital media in many developing countries. This explosion is fueled by the need for quick and convenient loans, and enabled by the vast adoption of mobile phones and mobile money. To screen borrowers, these digital lenders typically collect massive amounts of data, such as communication patterns, data on social media activities, and detailed mobile phone usage from their customers. These data present a number of potential privacy risks to borrowers. In this study, we demonstrate that accurate credit-scoring models can be trained using only airtime recharge data, which we argue is less invasive to the borrower's privacy than the typical model employed by lenders. We tested this approach through a partnership with an airtime lender in Africa that made it possible to run a side-by-side comparison of an airtime-only model against a model that also incorporated past loan data, as well as the current model used by the lender. In several tests, our model, which used limited data, performed at least as well as alternative models. These results suggest new opportunities for digital lenders to build reliable credit scoring models that reduce the privacy risks posed to their borrowers.","PeriodicalId":159525,"journal":{"name":"Proceedings of the Tenth International Conference on Information and Communication Technologies and Development","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115420687","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 12

Fresh insights: user research towards a market information service for bihari vegetable farmers 新鲜的见解:对比哈里菜农市场信息服务的用户研究

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287115

Matt Ziegler, Lokesh Garg, Shailesh Tiwary, Aditya Vashistha, Kurtis Heimerl

{"title":"Fresh insights: user research towards a market information service for bihari vegetable farmers","authors":"Matt Ziegler, Lokesh Garg, Shailesh Tiwary, Aditya Vashistha, Kurtis Heimerl","doi":"10.1145/3287098.3287115","DOIUrl":"https://doi.org/10.1145/3287098.3287115","url":null,"abstract":"Agricultural market information (MI) services provide smallholder farmers with convenient access to price information and have demonstrated potential to improve their incomes. Some recent evaluations of MI systems, however, have shown disappointing results and brought forth many complicating factors. Cautious of the mixed literature, we investigate the potential effectiveness and likely limitations of an MI service for improving livelihoods of smallholder farmers in the context of Loop, a shared transport-to-market-service for farmers. We conducted interviews with 17 farmers and 3 commission agents in Buxar, Bihar (India). Consistent with \"information scarcity\" and \"information asymmetry\" theories, we report how many farmers in this area regularly use mobile phones to check prices for choosing markets and negotiating transactions. Participants reported increases in the numbers of traders and price stabilization since the arrival of mobile phones. However, we found many other diverse factors that often outweigh the importance of market prices and inhibit market access, including market capacity, time, unfamiliarity with new markets, personal relationships, attitudes towards risk, credit relationships, and physical danger. Finally, to probe which of these additional factors might be addressable using an MI service, we present exploratory findings from preliminary user-interface studies.","PeriodicalId":159525,"journal":{"name":"Proceedings of the Tenth International Conference on Information and Communication Technologies and Development","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126132222","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 6

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development 第十届信息和通信技术与发展国际会议论文集

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098

引用次数: 7

Taming the Amazon: the domestication of online shopping in Bangalore, India 驯服亚马逊:印度班加罗尔网上购物的驯化

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287105

Priyank Chandra, Jay Chen

引用次数: 11

ICTs as catalysts in child protection programmes: current landscape in South Asia & a concept to inform future use 信息通信技术在儿童保护规划中的促进作用:南亚的现状&为未来使用提供信息的概念

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287151

B. Godara, Nihaalini Kumar, Frederique Boursin, Gatienne Jobit, Amara Amara, Thierry Agagliate

引用次数: 1

Resource allocation for handling emergencies considering dynamic variations and urban spaces: fire fighting in Mumbai 考虑动态变化和城市空间的处理紧急情况的资源分配:孟买的消防

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287099

Vaibhav Kumar, K. Ramamritham, Arnab Jana

{"title":"Resource allocation for handling emergencies considering dynamic variations and urban spaces: fire fighting in Mumbai","authors":"Vaibhav Kumar, K. Ramamritham, Arnab Jana","doi":"10.1145/3287098.3287099","DOIUrl":"https://doi.org/10.1145/3287098.3287099","url":null,"abstract":"Emergency Response Services (ERS) in the developing countries face a dual challenge of lack of resources and selection of optimal locations to distribute the available resources. Moreover, the exclusion of urban space details in the previous models leads to unfeasible solutions. Due to variations in the travel time and coverage demand throughout the day, static location problem is not sufficient to provide good solutions. Hence, we propose an approach to incorporate dynamic aspects like demand, travel time, and coverage area in developing an asset location model. We also incorporate the influence of urban settlement elements like built-up compactness etc. in the model to find the suitable locations for building mini and large fire stations. Our formulated a mixed integer program tries to maximize the empirical demand coverage by firefighting vehicles. The solution is applied to the southern region of Mumbai. When compared to the existing scenario an approximate increase of 10 to 15% increase in the demand coverage by various vehicles is achieved. It is observed that increasing the resources further increases the demand coverage.","PeriodicalId":159525,"journal":{"name":"Proceedings of the Tenth International Conference on Information and Communication Technologies and Development","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-01-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123892624","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 9

Are you magicians?: the collaborative work of an agricultural information service 你们是魔术师吗?农业信息服务的协同工作

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287109

L. Christensen, H. Ahsan, M. Rashid, B. Das

引用次数: 8

Embedded CNN based vehicle classification and counting in non-laned road traffic 在非车道道路交通中基于嵌入式CNN的车辆分类和计数

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287118

M. Chauhan, Arshdeep Singh, Mansi Khemka, Arneish Prateek, Rijurekha Sen

引用次数: 42

Ethical standards for the ICTD/ICT4D community: a participatory process and a co-created document ICTD/ICT4D社区的道德标准:参与过程和共同创建的文件

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287134

A. Dearden, D. Kleine

引用次数: 13

The datafication of anti-poverty programmes: evidence from the public distribution system in Karnataka 反贫困项目的数据化:来自卡纳塔克邦公共分配系统的证据

Proceedings of the Tenth International Conference on Information and Communication Technologies and Development Pub Date : 2019-01-04 DOI: 10.1145/3287098.3287135

Soumyo Das, S. Masiero

引用次数: 2