In addition, Banks likely constrained given higher capital preservation requirements 2020 will be challenging for FinTechs to navigate, but prosperous times remain ahead post crisis where Disruptive winners take it all and demand for AI, Tech and IoT companies that help financials transform to a digital and Data driven interaction will surge.

Epilepsy is one of the most common neurological disorders that can be diagnosed through electroencephalogram (EEG), in which the following epileptic events can be observed: pre-ictal, ictal, post-ictal, and interictal. In this paper, we present a novel method for epilepsy detection into two differentiation contexts: binary and multiclass classification. For feature extraction, a total of 105 measures were extracted from power spectrum, spectrogram, and bispectrogram. For classifier building, eight different machine learning algorithms were used. Our method was applied in a widely used EEG database. As a result, random forest and backpropagation based on multilayer perceptron algorithms reached the highest accuracy for binary (98.75%) and multiclass (96.25%) classification problems, respectively. Subsequently, the statistical tests did not find a model that would achieve a better performance than the other classifiers. In the evaluation based on confusion matrices, it was also not possible to identify a classifier that stands out in relation to other models for EEG classification. Even so, our results are promising and competitive with the findings in the literature.

Generalization in robotics is one of the most important problems. New generalization approaches use internet databases in order to solve new tasks. Modern search engines can return a large amount of information according to a query within milliseconds. However, not all of the returned information is task relevant, partly due to the problem of polysemes. Here we specifically address the problem of object generalization by using image search. We suggest a bi-modal solution, combining visual and textual information, based on the observation that humans use additional linguistic cues to demarcate intended word meaning. We evaluate the quality of our approach by comparing it to human labelled data and find that, on average, our approach leads to improved results in comparison to Google searches, and that it can treat the problem of polysemes.

Feature selection is an important tool to deal with high dimensional data. In unsupervised case, many popular algorithms aim at maintaining the structure of the original data. In this paper, we propose a simple and effective feature selection algorithm to enhance sample similarity preservation through a new perspective, topology preservation, which is represented by persistent diagrams from the context of computational topology. This method is designed upon a unified feature selection framework called IVFS, which is inspired by random subset method. The scheme is flexible and can handle cases where the problem is analytically intractable. The proposed algorithm is able to well preserve the pairwise distances, as well as topological patterns, of the full data. We demonstrate that our algorithm can provide satisfactory performance under a sharp sub-sampling rate, which supports efficient implementation of our proposed method to large scale datasets. Extensive experiments validate the effectiveness of the proposed feature selection scheme.

Clustering is an essential technique for network analysis, with applications in a diverse range of fields. Although spectral clustering is a popular and effective method, it fails to consider higher-order structure and can perform poorly on directed networks. One approach is to capture and cluster higher-order structures using motif adjacency matrices. However, current formulations fail to take edge weights into account, and thus are somewhat limited when weight is a key component of the network under study. We address these shortcomings by exploring motif-based weighted spectral clustering methods. We present new and computationally useful matrix formulae for motif adjacency matrices on weighted networks, which can be used to construct efficient algorithms for any anchored or non-anchored motif on three nodes. In a very sparse regime, our proposed method can handle graphs with five million nodes and tens of millions of edges in under ten minutes. We further use our framework to construct a motif-based approach for clustering bipartite networks. We provide comprehensive experimental results, demonstrating (i) the scalability of our approach, (ii) advantages of higher-order clustering on synthetic examples, and (iii) the effectiveness of our techniques on a variety of real world data sets. We conclude that motif-based spectral clustering is a valuable tool for analysis of directed and bipartite weighted networks, which is also scalable and easy to implement.

Medication non-adherence is a widespread problem affecting over 50% of people who have chronic illness and need chronic treatment. Non-adherence exacerbates health risks and drives significant increases in treatment costs. In order to address these challenges, the importance of predicting patients' adherence has been recognised. In other words, it is important to improve the efficiency of interventions of the current healthcare system by prioritizing resources to the patients who are most likely to be non-adherent. Our objective in this work is to make predictions regarding individual patients' behaviour in terms of taking their medication on time during their next scheduled medication opportunity. We do this by leveraging a number of machine learning models. In particular, we demonstrate the use of a connected IoT device; a "Smart Sharps Bin", invented by HealthBeacon Ltd.; to monitor and track injection disposal of patients in their home environment. Using extensive data collected from these devices, five machine learning models, namely Extra Trees Classifier, Random Forest, XGBoost, Gradient Boosting and Multilayer Perception were trained and evaluated on a large dataset comprising 165,223 historic injection disposal records collected from 5,915 HealthBeacon units over the course of 3 years. The testing work was conducted on real-time data generated by the smart device over a time period after the model training was complete, i.e. true future data. The proposed machine learning approach demonstrated very good predictive performance exhibiting an Area Under the Receiver Operating Characteristic Curve (ROC AUC) of 0.86.

One subject never fails to light up the eyes of senior bankers and regulators when they're questioned about their efforts to end the money laundering-related scandals that have spread across northern Europe over the last two years: technology. There can be no more damning indictment of the integrity of a bank, or its host nation, than the public revelation that a licensed institution is being used as a laundromat for ill-gotten gains. And what is more enlivening for money-laundering supervisors and bank-compliance officers than showing your firm and country is at the forefront of a technology that could make these troubles disappear? Some of the biggest actors in Europe's financial sector are converts. The UK's Financial Conduct Authority is particularly enthusiastic about using technology to fight money laundering.

We propose to optimize neural networks with a uniformly-distributed random learning rate. The associated stochastic gradient descent algorithm can be approximated by continuous stochastic equations and analyzed with the Fokker-Planck formalism. In the small learning rate approximation, the training process is characterized by an effective temperature which depends on the average learning rate, the mini-batch size and the momentum of the optimization algorithm. By comparing the random learning rate protocol with cyclic and constant protocols, we suggest that the random choice is generically the best strategy in the small learning rate regime, yielding better regularization without extra computational cost. We provide supporting evidence through experiments on both shallow, fully-connected and deep, convolutional neural networks for image classification on the MNIST and CIFAR10 datasets.

Dynamic selection techniques aim at selecting the local experts around each test sample in particular for performing its classification. While generating the classifier on a local scope may make it easier for singling out the locally competent ones, as in the online local pool (OLP) technique, using the same base-classifier model in uneven distributions may restrict the local level of competence, since each region may have a data distribution that favors one model over the others. Thus, we propose in this work a problem-independent dynamic base-classifier model recommendation for the OLP technique, which uses information regarding the behavior of a portfolio of models over the samples of different problems to recommend one (or several) of them on a per-instance manner. Our proposed framework builds a multi-label meta-classifier responsible for recommending a set of relevant model types based on the local data complexity of the region surrounding each test sample. The OLP technique then produces a local pool with the model that yields the highest probability score of the meta-classifier. Experimental results show that different data distributions favored different model types on a local scope. Moreover, based on the performance of an ideal model type selector, it was observed that there is a clear advantage in choosing a relevant model type for each test instance. Overall, the proposed model type recommender system yielded a statistically similar performance to the original OLP with fixed base-classifier model. Given the novelty of the approach and the gap in performance between the proposed framework and the ideal selector, we regard this as a promising research direction. Code available at github.com/marianaasouza/dynamic-model-recommender.

Recommender systems are software applications that help users to find items of interest in situations of information overload. Current research often assumes a one-shot interaction paradigm, where the users' preferences are estimated based on past observed behavior and where the presentation of a ranked list of suggestions is the main, one-directional form of user interaction. Conversational recommender systems (CRS) take a different approach and support a richer set of interactions. These interactions can, for example, help to improve the preference elicitation process or allow the user to ask questions about the recommendations and to give feedback. The interest in CRS has significantly increased in the past few years. This development is mainly due to the significant progress in the area of natural language processing, the emergence of new voice-controlled home assistants, and the increased use of chatbot technology. With this paper, we provide a detailed survey of existing approaches to conversational recommendation. We categorize these approaches in various dimensions, e.g., in terms of the supported user intents or the knowledge they use in the background. Moreover, we discuss technological approaches, review how CRS are evaluated, and finally identify a number of gaps that deserve more research in the future.