London
Revealing Geography-Driven Signals in Zone-Level Claim Frequency Models: An Empirical Study using Environmental and Visual Predictors
Alfonso-Sánchez, Sherly, Bravo, Cristián, Stankova, Kristina G.
Geographic context is often consider relevant to motor insurance risk, yet public actuarial datasets provide limited location identifiers, constraining how this information can be incorporated and evaluated in claim-frequency models. This study examines how geographic information from alternative data sources can be incorporated into actuarial models for Motor Third Party Liability (MTPL) claim prediction under such constraints. Using the BeMTPL97 dataset, we adopt a zone-level modeling framework and evaluate predictive performance on unseen postcodes. Geographic information is introduced through two channels: environmental indicators from OpenStreetMap and CORINE Land Cover, and orthoimagery released by the Belgian National Geographic Institute for academic use. We evaluate the predictive contribution of coordinates, environmental features, and image embeddings across three baseline models: generalized linear models (GLMs), regularized GLMs, and gradient-boosted trees, while raw imagery is modeled using convolutional neural networks. Our results show that augmenting actuarial variables with constructed geographic information improves accuracy. Across experiments, both linear and tree-based models benefit most from combining coordinates with environmental features extracted at 5 km scale, while smaller neighborhoods also improve baseline specifications. Generally, image embeddings do not improve performance when environmental features are available; however, when such features are absent, pretrained vision-transformer embeddings enhance accuracy and stability for regularized GLMs. Our results show that the predictive value of geographic information in zone-level MTPL frequency models depends less on model complexity than on how geography is represented, and illustrate that geographic context can be incorporated despite limited individual-level spatial information.
- South America > Colombia (0.04)
- Europe > Belgium > Flanders > Antwerp Province > Antwerp (0.04)
- Asia > Bangladesh (0.04)
- (8 more...)
- Health & Medicine (1.00)
- Banking & Finance > Insurance (1.00)
- Transportation > Ground > Road (0.93)
- (2 more...)
- Information Technology > Artificial Intelligence > Representation & Reasoning > Spatial Reasoning (1.00)
- Information Technology > Artificial Intelligence > Machine Learning > Statistical Learning (1.00)
- Information Technology > Artificial Intelligence > Machine Learning > Neural Networks > Deep Learning (0.88)
- Information Technology > Artificial Intelligence > Machine Learning > Ensemble Learning (0.87)
Court challenge over Met Police's use of live facial recognition thrown out
Court challenge over Met Police's use of live facial recognition thrown out Privacy campaigners have lost a High Court challenge aimed at limiting the Metropolitan Police's use of live facial recognition technology. Youth worker Shaun Thompson, and Silkie Carlo, director of campaign group Big Brother Watch, brought the claim over concerns that facial recognition could be used arbitrarily or in a discriminatory way. Scotland Yard defended the challenge, telling the court that the policy was lawful. The Met Police will continue to use the technology, with commissioner Sir Mark Rowley calling the ruling an important victory for public safety. One of the claimants, Thompson, was misidentified by live facial recognition technology (LFR).
- Europe > United Kingdom > Scotland (0.27)
- North America > United States (0.16)
- North America > Central America (0.15)
- (13 more...)
- Information Technology > Artificial Intelligence > Vision > Face Recognition (0.93)
- Information Technology > Communications > Social Media (0.32)
16 award-winning photographs from around the world
The Sony World Photography Awards announced the winning and shortlisted photographers of the 2026 National and Regional Awards . Captured during a dive in the Galápagos Islands, the image reveals the predator's agility against the fluid patterns of the fish, providing a raw look at the survival instincts, and the high-energy interactions that define this unique volcanic ecosystem. Breakthroughs, discoveries, and DIY tips sent six days a week. From a solitary leopard in Botswana to a herd of buffaloes in Sri Lanka, and a church in Slovenia to a rocky landscape in Saudi Arabia, beauty exists in all corners of our humble planet. The Sony World Photography Awards celebrates photographers who capture riveting images around the world in its 2026 National and Regional Awards.
- Europe > Slovenia (0.25)
- Asia > Sri Lanka (0.25)
- Asia > Middle East > Saudi Arabia (0.25)
- (4 more...)
Sony removes 135,000 deepfakes of its artists' music
Sony removes 135,000 'deepfakes' of its artists' music Music giant Sony Music says it has requested the removal of more than 135,000 songs by fraudsters impersonating its artists on streaming services. The so-called deepfakes were created using generative AI, and targeted some of the company's biggest acts, who include Beyoncé, Queen and Harry Styles In the worst cases, [the deepfakes] potentially damage a release campaign or tarnish the reputation of an artist, said Dennis Kooker, president of Sony's global digital business. The company says the number of songs generated in this fashion is only increasing as artificial intelligence technology becomes cheaper and easier to access. It believes the 135,000 tracks it has discovered to date represents just a percentage of the total uploaded to streaming services. Since last March alone, it has identified some 60,000 songs falsely purporting to feature artists from their roster.
- North America > United States (0.16)
- North America > Central America (0.15)
- Oceania > Australia (0.05)
- (13 more...)
- Media > Music (1.00)
- Leisure & Entertainment (1.00)
I've applied for 500 jobs in two months since graduating
'I've applied for 500 jobs in two months since graduating' You have to work 10 times harder to work for a role that 10 years ago you could have got very easily straight out of university, says 22-year-old business management graduate Charlotte Briggs. Within two months she had applied for 500 roles. It's quite upsetting because I've worked really hard for the last three years to achieve a 2:1 just to be rejected for not having experience. Although her job search sounds extreme, it may not be that unusual. According to latest ONS figures, 22.5% of people aged 16 to 24 cannot find work, putting London as the UK region with the second highest rate of youth unemployment.
- North America > United States (0.15)
- North America > Central America (0.14)
- Oceania > Australia (0.05)
- (11 more...)
- Leisure & Entertainment (1.00)
- Health & Medicine > Therapeutic Area (0.72)
- Government > Regional Government > Europe Government > United Kingdom Government (0.48)
Over 200 Ukrainian military experts in Gulf region to counter Iran's drones
Over 200 Ukrainian military experts in Gulf region to counter Iran's drones More than 200 Ukrainian military experts are in the Gulf region and wider Middle East helping governments in their defence against Iran's drone attacks, Ukraine's President Volodymyr Zelenskyy has said. In an address to dozens of members of the United Kingdom Parliament in London on Tuesday, the Ukrainian leader said 201 Ukrainian anti-drone experts are in the region and another 34 "are ready to deploy". "Our teams are already in the Emirates, Qatar, Saudi Arabia, and on the way to Kuwait," the Ukrainian leader said. "We are working with several other countries - agreements are already in place. We do not want this terror of the Iranian regime against its neighbours to succeed," he said.
- North America > United States (0.86)
- Europe > United Kingdom (0.52)
- South America (0.41)
- (14 more...)
28 powerful Sony World Photography Awards 2026 honorees
Breakthroughs, discoveries, and DIY tips sent six days a week. In the Congo Basin, two groups of wild western lowland gorillas encounter photographer Hugo Hebbe. One group is familiar with humans, reacting with indifference to the attention. The other remains cautious, scamping off when humans approach. The images captured during the encounter (seen below) document "an evolving story of fear, patience and trust," the photographer explains.
- North America > United States > California > San Francisco County > San Francisco (0.06)
- Africa > South Sudan (0.06)
- North America > United States > New Mexico (0.05)
- (3 more...)
- Europe > Middle East > Cyprus (0.04)
- North America > United States > California (0.04)
- North America > Canada > Ontario > Middlesex County > London (0.04)
- (3 more...)
- Information Technology > Sensing and Signal Processing > Image Processing (1.00)
- Information Technology > Artificial Intelligence > Vision (1.00)
- Information Technology > Artificial Intelligence > Natural Language (1.00)
- Information Technology > Artificial Intelligence > Machine Learning > Neural Networks (1.00)
- Europe > Germany > Saarland (0.04)
- Asia > Philippines (0.04)
- North America > Canada > Ontario > Toronto (0.04)
- (8 more...)
- Research Report > New Finding (1.00)
- Research Report > Experimental Study (0.92)
- Leisure & Entertainment (0.45)
- Information Technology (0.45)
- Education (0.45)
20 riveting images from the Sony World Photography Awards 2026
Chile's Torres Del Paine is famous for its stunning landscapes, but it's also home to a fierce predator: the puma. These majestic creatures feed primarily on guanacos, although the hunting success rate is not very high, especially for female pumas. The photographer followed this female and her two cubs for several days, before witnessing her hunting. Breakthroughs, discoveries, and DIY tips sent six days a week. In Chile's famous Torres Del Paine National Park, a mother puma with her two cubs in tow attacks a guanaco.
- South America > Chile (0.46)
- North America > United States > North Carolina (0.05)
- North America > Canada > Ontario > Middlesex County > London (0.05)
- Asia > India (0.05)