{"id":"https://openalex.org/W2908941697","doi":"https://doi.org/10.1145/3287098.3287116","title":"Effective credit scoring using limited mobile phone data","display_name":"Effective credit scoring using limited mobile phone data","publication_year":2019,"publication_date":"2019-01-04","ids":{"openalex":"https://openalex.org/W2908941697","doi":"https://doi.org/10.1145/3287098.3287116","mag":"2908941697"},"language":"en","primary_location":{"id":"doi:10.1145/3287098.3287116","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3287098.3287116","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the Tenth International Conference on Information and Communication Technologies and Development","raw_type":"proceedings-article"},"type":"conference-paper","indexed_in":["crossref"],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5012976234","display_name":"Alain Shema","orcid":"https://orcid.org/0000-0002-7641-247X"},"institutions":[{"id":"https://openalex.org/I70983195","display_name":"Syracuse University","ror":"https://ror.org/025r5qe02","country_code":"US","type":"education","lineage":["https://openalex.org/I70983195"]}],"countries":["US"],"is_corresponding":true,"raw_author_name":"Alain Shema","raw_affiliation_strings":["Syracuse University"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Syracuse University","institution_ids":["https://openalex.org/I70983195"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5012976234"],"corresponding_institution_ids":["https://openalex.org/I70983195"],"apc_list":null,"apc_paid":null,"fwci":5.4657,"has_fulltext":false,"cited_by_count":31,"citation_normalized_percentile":{"value":0.96506905,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":90,"max":99},"biblio":{"volume":null,"issue":null,"first_page":"1","last_page":"11"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9986000061035156,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9986000061035156,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.9779999852180481,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":0.961899995803833,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/computer-science","display_name":"Computer science","score":0.6141119599342346},{"id":"https://openalex.org/keywords/mobile-phone","display_name":"Mobile phone","score":0.5917315483093262},{"id":"https://openalex.org/keywords/loan","display_name":"Loan","score":0.5739006996154785},{"id":"https://openalex.org/keywords/social-media","display_name":"Social media","score":0.5450151562690735},{"id":"https://openalex.org/keywords/microfinance","display_name":"Microfinance","score":0.4819221794605255},{"id":"https://openalex.org/keywords/credit-card","display_name":"Credit card","score":0.4547348618507385},{"id":"https://openalex.org/keywords/phone","display_name":"Phone","score":0.4484736919403076},{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.3364241123199463},{"id":"https://openalex.org/keywords/internet-privacy","display_name":"Internet privacy","score":0.33520907163619995},{"id":"https://openalex.org/keywords/computer-security","display_name":"Computer security","score":0.33327770233154297},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.28178471326828003},{"id":"https://openalex.org/keywords/telecommunications","display_name":"Telecommunications","score":0.2080252468585968},{"id":"https://openalex.org/keywords/world-wide-web","display_name":"World Wide Web","score":0.11954817175865173},{"id":"https://openalex.org/keywords/economics","display_name":"Economics","score":0.09129154682159424}],"concepts":[{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.6141119599342346},{"id":"https://openalex.org/C2777421447","wikidata":"https://www.wikidata.org/wiki/Q17517","display_name":"Mobile phone","level":2,"score":0.5917315483093262},{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.5739006996154785},{"id":"https://openalex.org/C518677369","wikidata":"https://www.wikidata.org/wiki/Q202833","display_name":"Social media","level":2,"score":0.5450151562690735},{"id":"https://openalex.org/C28129649","wikidata":"https://www.wikidata.org/wiki/Q926217","display_name":"Microfinance","level":2,"score":0.4819221794605255},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.4547348618507385},{"id":"https://openalex.org/C2778707766","wikidata":"https://www.wikidata.org/wiki/Q202064","display_name":"Phone","level":2,"score":0.4484736919403076},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.3364241123199463},{"id":"https://openalex.org/C108827166","wikidata":"https://www.wikidata.org/wiki/Q175975","display_name":"Internet privacy","level":1,"score":0.33520907163619995},{"id":"https://openalex.org/C38652104","wikidata":"https://www.wikidata.org/wiki/Q3510521","display_name":"Computer security","level":1,"score":0.33327770233154297},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.28178471326828003},{"id":"https://openalex.org/C76155785","wikidata":"https://www.wikidata.org/wiki/Q418","display_name":"Telecommunications","level":1,"score":0.2080252468585968},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.11954817175865173},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.09129154682159424},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C145097563","wikidata":"https://www.wikidata.org/wiki/Q1148747","display_name":"Payment","level":2,"score":0.0},{"id":"https://openalex.org/C50522688","wikidata":"https://www.wikidata.org/wiki/Q189833","display_name":"Economic growth","level":1,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.1145/3287098.3287116","is_oa":false,"landing_page_url":"https://doi.org/10.1145/3287098.3287116","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings of the Tenth International Conference on Information and Communication Technologies and Development","raw_type":"proceedings-article"}],"best_oa_location":null,"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/17","score":0.5199999809265137,"display_name":"Partnerships for the goals"}],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":19,"referenced_works":["https://openalex.org/W1480376833","https://openalex.org/W1512755054","https://openalex.org/W1893541013","https://openalex.org/W1991024675","https://openalex.org/W2004076523","https://openalex.org/W2014480560","https://openalex.org/W2034401621","https://openalex.org/W2052611008","https://openalex.org/W2092943330","https://openalex.org/W2166692930","https://openalex.org/W2279520549","https://openalex.org/W2340884315","https://openalex.org/W2589944078","https://openalex.org/W2611107188","https://openalex.org/W2744517834","https://openalex.org/W2777618157","https://openalex.org/W2808840625","https://openalex.org/W2986418328","https://openalex.org/W3125221621"],"related_works":["https://openalex.org/W3004572195","https://openalex.org/W1656491520","https://openalex.org/W1961728112","https://openalex.org/W3000225291","https://openalex.org/W2736178451","https://openalex.org/W4312876592","https://openalex.org/W2758331098","https://openalex.org/W2088553602","https://openalex.org/W3149238674","https://openalex.org/W3042188492"],"abstract_inverted_index":{"There":[0],"has":[1],"been":[2],"a":[3,73,120,134,142],"recent":[4],"explosion":[5,18],"of":[6,35,51,75,137],"companies":[7],"providing":[8],"micro-loans":[9],"through":[10,119],"digital":[11,45,183],"media":[12,60],"in":[13,126],"many":[14],"developing":[15],"countries.":[16],"This":[17],"is":[19,101],"fueled":[20],"by":[21,31,113,157],"the":[22,32,105,109,153,158,193],"need":[23],"for":[24,182],"quick":[25],"and":[26,29,38,62],"convenient":[27],"loans,":[28],"enabled":[30],"vast":[33],"adoption":[34],"mobile":[36,39,64],"phones":[37],"money.":[40],"To":[41],"screen":[42],"borrowers,":[43],"these":[44],"lenders":[46,184],"typically":[47],"collect":[48],"massive":[49],"amounts":[50],"data,":[52,97,149,168],"such":[53],"as":[54,150,152,172,174],"communication":[55],"patterns,":[56],"data":[57,71],"on":[58],"social":[59],"activities,":[61],"detailed":[63],"phone":[65],"usage":[66],"from":[67],"their":[68,198],"customers.":[69],"These":[70,177],"present":[72],"number":[74],"potential":[76],"privacy":[77,107,194],"risks":[78,195],"to":[79,104,132,185,197],"borrowers.":[80,199],"In":[81,160],"this":[82,117],"study,":[83],"we":[84,99],"demonstrate":[85],"that":[86,128,144,191],"accurate":[87],"credit-scoring":[88],"models":[89,190],"can":[90],"be":[91],"trained":[92],"using":[93],"only":[94],"airtime":[95,124],"recharge":[96],"which":[98,165],"argue":[100],"less":[102],"invasive":[103],"borrower's":[106],"than":[108],"typical":[110],"model":[111,140,143,155],"employed":[112],"lenders.":[114],"We":[115],"tested":[116],"approach":[118],"partnership":[121],"with":[122],"an":[123,138],"lender":[125],"Africa":[127],"made":[129],"it":[130],"possible":[131],"run":[133],"side-by-side":[135],"comparison":[136],"airtime-only":[139],"against":[141],"also":[145],"incorporated":[146],"past":[147],"loan":[148],"well":[151,173],"current":[154],"used":[156,166],"lender.":[159],"several":[161],"tests,":[162],"our":[163],"model,":[164],"limited":[167],"performed":[169],"at":[170],"least":[171],"alternative":[175],"models.":[176],"results":[178],"suggest":[179],"new":[180],"opportunities":[181],"build":[186],"reliable":[187],"credit":[188],"scoring":[189],"reduce":[192],"posed":[196]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":6},{"year":2024,"cited_by_count":6},{"year":2023,"cited_by_count":4},{"year":2022,"cited_by_count":4},{"year":2021,"cited_by_count":6},{"year":2020,"cited_by_count":3},{"year":2019,"cited_by_count":1}],"updated_date":"2026-07-29T14:22:42.915294","created_date":"2025-10-10T00:00:00"}
