While we happen to be in a unique position to dispense investing advice, we never tell people what stocks they should invest in. Instead, we talk a bit about what investments we make and why we make them. Put your money where your mouth is and all that. While we predominantly cover disruptive technologies, pure-play stocks on such themes are far and few between. That's one of the reasons why the lion's share of our investment dollars have been sunk into Dividend Growth Investing stocks or DGI stocks.
Every day, billions of mobile network events (i.e. CDRs) are generated by cellular phone operator companies. Latent in this data are inspiring insights about human actions and behaviors, the discovery of which is important because context-aware applications and services hold the key to user-driven, intelligent services, which can enhance our everyday lives such as social and economic development, urban planning, and health prevention. The major challenge in this area is that interpreting such a big stream of data requires a deep understanding of mobile network events' context through available background knowledge. This article addresses the issues in context awareness given heterogeneous and uncertain data of mobile network events missing reliable information on the context of this activity. The contribution of this research is a model from a combination of logical and statistical reasoning standpoints for enabling human activity inference in qualitative terms from open geographical data that aimed at improving the quality of human behaviors recognition tasks from CDRs. We use open geographical data, Openstreetmap (OSM), as a proxy for predicting the content of human activity in the area. The user study performed in Trento shows that predicted human activities (top level) match the survey data with around 93% overall accuracy. The extensive validation for predicting a more specific economic type of human activity performed in Barcelona, by employing credit card transaction data. The analysis identifies that appropriately normalized data on points of interest (POI) is a good proxy for predicting human economical activities, with 84% accuracy on average. So the model is proven to be efficient for predicting the context of human activity, when its total level could be efficiently observed from cell phone data records, missing contextual information however.
Consumers have always demanded innovation from the retail industry. Shopping habits and product demands are constantly evolving, and retailers invest a significant amount of capital to monitor trends and cater to fluctuating behaviors. Recently, advancing technology has quickened the pace of change and made it even harder to win consumer attention in an increasingly crowded marketplace. More than ever, success requires financial and managerial flexibility and adaptiveness--areas where private equity can play a vital role. Below, read my thoughts on three key areas where our industry is partnering with retailers to help them keep ahead in the fast-changing sector.
Financial transactions can be considered edges in a heterogeneous graph between entities sending money and entities receiving money. For financial institutions, such a graph is likely large (with millions or billions of edges) while also sparsely connected. It becomes challenging to apply machine learning to such large and sparse graphs. Graph representation learning seeks to embed the nodes of a graph into a Euclidean vector space such that graph topological properties are preserved after the transformation. In this paper, we present a novel application of representation learning to bipartite graphs of credit card transactions in order to learn embeddings of account and merchant entities. Our framework is inspired by popular approaches in graph embeddings and is trained on two internal transaction datasets. This approach yields highly effective embeddings, as quantified by link prediction AUC and F1 score. Further, the resulting entity vectors retain intuitive semantic similarity that is explored through visualizations and other qualitative analyses. Finally, we show how these embeddings can be used as features in downstream machine learning business applications such as fraud detection.