Goal recognition via model-based and model-free techniques

Humans interact with the world based on their inner motivations (goals) by performing actions. Those actions might be observable by financial institutions. In turn, financial institutions might log all these observed actions for better understanding human behavior. Examples of such interactions are investment operations (buying or selling options), account-related activities (creating accounts, making transactions, withdrawing money), digital interactions (utilizing the bank's web or mobile app for configuring alerts, or applying for a new credit card), or even illicit operations (such as fraud or money laundering). Once human behavior can be better understood, financial institutions can improve their processes allowing them to deepen the relationship with clients, offering targeted services (marketing), handling complaints-related interactions (operations), or performing fraud or money laundering investigations (compliance) [Borrajo et al., 2020].