Overview
Top 8 digital payment trends for 2020 - Fintech News
Economics, money, and the way we make payments have undergone several changes since the time of the Stone Age. In a sense all these are key indicators of our progress as a species. The primitive methods indicated our primitive way of living. Similarly, the current payment methods powered by cutting-edge technology boast our technological achievements of today. Digitization of payments was a huge jump towards the goal to achieve an easy, convenient, fast, and secure payment method.
A Call for More Rigor in Unsupervised Cross-lingual Learning
Artetxe, Mikel, Ruder, Sebastian, Yogatama, Dani, Labaka, Gorka, Agirre, Eneko
In work implicitly includes monolingual and natural language processing, the main promise of cross-lingual signals that constitute a departure multilingual learning is to bridge the digital language from the pure setting. We review existing training divide, to enable access to information and signals as well as other signals that may be technology for the world's 6,900 languages (Ruder of interest for future study (§4). We then discuss et al., 2019). For the purpose of this paper, we methodological issues in UCL (e.g., validation, hyperparameter define "multilingual learning" as learning a common tuning) and propose best evaluation model for two or more languages from raw practices (§5). Finally, we provide a unified outlook text, without any downstream task labels. Common of established research areas (cross-lingual use cases include translation as well as pretraining word embeddings, deep multilingual models and multilingual representations. We will use the term unsupervised machine translation) in UCL (§6), interchangeably with "cross-lingual learning".
Knowledge Graph Embeddings and Explainable AI
Bianchi, Federico, Rossiello, Gaetano, Costabello, Luca, Palmonari, Matteo, Minervini, Pasquale
Knowledge graph embeddings are now a widely adopted approach to knowledge representation in which entities and relationships are embedded in vector spaces. In this chapter, we introduce the reader to the concept of knowledge graph embeddings by explaining what they are, how they can be generated and how they can be evaluated. We summarize the state-of-the-art in this field by describing the approaches that have been introduced to represent knowledge in the vector space. In relation to knowledge representation, we consider the problem of explainability, and discuss models and methods for explaining predictions obtained via knowledge graph embeddings.
AMPERSAND: Argument Mining for PERSuAsive oNline Discussions
Chakrabarty, Tuhin, Hidey, Christopher, Muresan, Smaranda, Mckeown, Kathy, Hwang, Alyssa
Argumentation is a type of discourse where speakers try to persuade their audience about the reasonableness of a claim by presenting supportive arguments. Most work in argument mining has focused on modeling arguments in monologues. We propose a computational model for argument mining in online persuasive discussion forums that brings together the micro-level (argument as product) and macro-level (argument as process) models of argumentation. Fundamentally, this approach relies on identifying relations between components of arguments in a discussion thread. Our approach for relation prediction uses contextual information in terms of fine-tuning a pre-trained language model and leveraging discourse relations based on Rhetorical Structure Theory. We additionally propose a candidate selection method to automatically predict what parts of one's argument will be targeted by other participants in the discussion. Our models obtain significant improvements compared to recent state-of-the-art approaches using pointer networks and a pre-trained language model.
AI in society and culture: decision making and values
Feher, Katalin, Zelenkauskaite, Asta
With the increased expectation of artificial intelligence, academic research face complex questions of human-centred, responsible and trustworthy technology embedded into society and culture. Several academic debates, social consultations and impact studies are available to reveal the key aspects of the changing human-machine ecosystem. To contribute to these studies, hundreds of related academic sources are summarized below regarding AI-driven decisions and valuable AI. In details, sociocultural filters, taxonomy of human-machine decisions and perspectives of value-based AI are in the focus of this literature review. For better understanding, it is proposed to invite stakeholders in the prepared large-scale survey about the next generation AI that investigates issues that go beyond the technology.
Explainable Deep Learning: A Field Guide for the Uninitiated
Xie, Ning, Ras, Gabrielle, van Gerven, Marcel, Doran, Derek
Deep neural network (DNN) is an indispensable machine learning tool for achieving human-level performance on many learning tasks. Yet, due to its black-box nature, it is inherently difficult to understand which aspects of the input data drive the decisions of the network. There are various real-world scenarios in which humans need to make actionable decisions based on the output DNNs. Such decision support systems can be found in critical domains, such as legislation, law enforcement, etc. It is important that the humans making high-level decisions can be sure that the DNN decisions are driven by combinations of data features that are appropriate in the context of the deployment of the decision support system and that the decisions made are legally or ethically defensible. Due to the incredible pace at which DNN technology is being developed, the development of new methods and studies on explaining the decision-making process of DNNs has blossomed into an active research field. A practitioner beginning to study explainable deep learning may be intimidated by the plethora of orthogonal directions the field is taking. This complexity is further exacerbated by the general confusion that exists in defining what it means to be able to explain the actions of a deep learning system and to evaluate a system's "ability to explain". To alleviate this problem, this article offers a "field guide" to deep learning explainability for those uninitiated in the field. The field guide: i) Discusses the traits of a deep learning system that researchers enhance in explainability research, ii) places explainability in the context of other related deep learning research areas, and iii) introduces three simple dimensions defining the space of foundational methods that contribute to explainable deep learning. The guide is designed as an easy-to-digest starting point for those just embarking in the field.
A Comprehensive Survey on Traffic Prediction
Yin, Xueyan, Wu, Genze, Wei, Jinze, Shen, Yanming, Qi, Heng, Yin, Baocai
Traffic prediction plays an essential role in intelligent transportation system. Accurate traffic prediction can assist route planing, guide vehicle dispatching, and mitigate traffic congestion. This problem is challenging due to the complicated and dynamic spatio-temporal dependencies between different regions in the road network. Recently, a significant amount of research efforts have been devoted to this area, greatly advancing traffic prediction abilities. The purpose of this paper is to provide a comprehensive survey for traffic prediction. Specifically, we first summarize the existing traffic prediction methods, and give a taxonomy of them. Second, we list the common applications of traffic prediction and the state-of-the-art in these applications. Third, we collect and organize widely used public datasets in the existing literature. Furthermore, we give an evaluation by conducting extensive experiments to compare the performance of methods related to traffic demand and speed prediction respectively on two datasets. Finally, we discuss potential future directions.
Computation on Sparse Neural Networks: an Inspiration for Future Hardware
Sun, Fei, Qin, Minghai, Zhang, Tianyun, Liu, Liu, Chen, Yen-Kuang, Xie, Yuan
Neural network models are widely used in solving many challenging problems, such as computer vision, personalized recommendation, and natural language processing. Those models are very computationally intensive and reach the hardware limit of the existing server and IoT devices. Thus, finding better model architectures with much less amount of computation while maximally preserving the accuracy is a popular research topic. Among various mechanisms that aim to reduce the computation complexity, identifying the zero values in the model weights and in the activations to avoid computing them is a promising direction. In this paper, we summarize the current status of the research on the computation of sparse neural networks, from the perspective of the sparse algorithms, the software frameworks, and the hardware accelerations. We observe that the search for the sparse structure can be a general methodology for high-quality model explorations, in addition to a strategy for high-efficiency model execution. We discuss the model accuracy influenced by the number of weight parameters and the structure of the model. The corresponding models are called to be located in the weight dominated and structure dominated regions, respectively. We show that for practically complicated problems, it is more beneficial to search large and sparse models in the weight dominated region. In order to achieve the goal, new approaches are required to search for proper sparse structures, and new sparse training hardware needs to be developed to facilitate fast iterations of sparse models.
Sensor selection on graphs via data-driven node sub-sampling in network time series
Jiang, Yiye, Bigot, Jérémie, Maabout, Sofian
This paper is concerned by the problem of selecting an optimal sampling set of sensors over a network of time series for the purpose of signal recovery at non-observed sensors with a minimal reconstruction error. The problem is motivated by applications where time-dependent graph signals are collected over redundant networks. In this setting, one may wish to only use a subset of sensors to predict data streams over the whole collection of nodes in the underlying graph. A typical application is the possibility to reduce the power consumption in a network of sensors that may have limited battery supplies. We propose and compare various data-driven strategies to turn off a fixed number of sensors or equivalently to select a sampling set of nodes. We also relate our approach to the existing literature on sensor selection from multivariate data with a (possibly) underlying graph structure. Our methodology combines tools from multivariate time series analysis, graph signal processing, statistical learning in high-dimension and deep learning. To illustrate the performances of our approach, we report numerical experiments on the analysis of real data from bike sharing networks in different cities.
A Review of Privacy Preserving Federated Learning for Private IoT Analytics
Briggs, Christopher, Fan, Zhong, Andras, Peter
The Internet-of-Things generates vast quantities of data, much of it attributable to an individual's activity and behaviour. Holding and processing such personal data in a central location presents a significant privacy risk to individuals (of being identified or of their sensitive data being leaked). However, analytics based on machine learning and in particular deep learning benefit greatly from large amounts of data to develop high performance predictive models. Traditionally, data and models are stored and processed in a data centre environment where models are trained in a single location. This work reviews research around an alternative approach to machine learning known as federated learning which seeks to train machine learning models in a distributed fashion on devices in the user's domain, rather than by a centralised entity. Furthermore, we review additional privacy preserving methods applied to federated learning used to protect individuals from being identified during training and once a model is trained. Throughout this review, we identify the strengths and weaknesses of different methods applied to federated learning and finally, we outline future directions for privacy preserving federated learning research, particularly focusing on Internet-of-Things applications.