In this work, we analyze the problem of adoption of mobile money in Pakistan by using the call detail records of a major telecom company as our input. Our results highlight the fact that different sections of the society have different patterns of adoption of digital financial services but user mobility related features are the most important one when it comes to adopting and using mobile money services.
The work on the adoption of digital financial services has been dominated by macroeconomic work related to regulatory issues around interoperability and the logistics of mobile money agents @cite_7 @cite_5 and a very few research papers have explored the adoption of mobile money from a quantitative perspective. However, mining of insights from mobile communication meta-data has been a popular area of research and some examples of work in this area include predicting the socioeconomic status @cite_1 , gender @cite_4 of mobile phone subscribers, customer churn behavior @cite_0 and analysis of gender disparities using social networks extracted from mobile communication logs @cite_8 .
@cite_4 @cite_7 @cite_8 @cite_1 @cite_0 @cite_5
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Billions of people around the world live without access to banks or other formal financial institutions. In the past several years, many mobile operators have launched "Mobile Money" platforms that deliver basic financial services over the mobile phone network. While many believe that these services can improve the lives of the poor, in many countries adoption of Mobile Money still remains anemic. In this paper, we develop a predictive model of Mobile Money adoption that uses billions of mobile phone communications records to understand the behavioral determinants of adoption. We describe a novel approach to feature engineering that uses a Deterministic Finite Automaton to construct thousands of behavioral metrics of phone use from a concise set of recursive rules. These features provide the foundation for a predictive model that is tested on mobile phone operators logs from Ghana, Pakistan, and Zambia, three very different developing-country contexts. The results highlight the key correlates of Mobile Money use in each country, as well as the potential for such methods to predict and drive adoption. More generally, our analysis provides insight into the extent to which homogenized supervised learning methods can generalize across geographic contexts. We find that without careful tuning, a model that performs very well in one country frequently does not generalize to another. About 2.6 billion people in the world do not have access to formal financial services, and yet one billion of them have a mobile phone. Branchless banking systems take advantage of increasingly ubiquitous real-time mobile communications networks to bring banking services into everyday retail stores, thereby alleviating the lack of banking infrastructure in the communities where poor people live and work. Most of these deployments are quite recent, hence there is a shortage of hard empirical evidence relating to them. However, one mobile banking scheme, MPESA in Kenya, has been phenomenally successful and has been a catalyst for much of the research done to date. In this article, we review the emerging literature on the definitions and model taxonomies employed in mobile banking; the status and drivers of global adoption of these schemes; the take-up and usage patterns of customers and their socioeconomic impact; and, finally, regulatory issues. Our objective is to help policymakers and practitioners in their continued efforts to create an enabling environment for branchless banking. Scholars are increasingly citing electronic “web references” which are not preserved in libraries or full text archives. WebCite is a new standard for citing web references. To “webcite” a document involves archiving the cited Web page through www.webcitation.org and citing the WebCite permalink instead of (or in addition to) the unstable live Web page. This journal has amended its “instructions for authors” accordingly, asking authors to archive cited Web pages before submitting a manuscript. Almost 200 other journals are already using the system. We discuss the rationale for WebCite, its technology, and how scholars, editors, and publishers can benefit from the service. Citing scholars initiate an archiving process of all cited Web references, ideally before they submit a manuscript. Authors of online documents and websites which are expected to be cited by others can ensure that their work is permanently available by creating an archived copy using WebCite and providing the citation information including the WebCite link on their Web document(s). Editors should ask their authors to cache all cited Web addresses (Uniform Resource Locators, or URLs) “prospectively” before submitting their manuscripts to their journal. Editors and publishers should also instruct their copyeditors to cache cited Web material if the author has not done so already. Finally, WebCite can process publisher submitted “citing articles” (submitted for example as eXtensible Markup Language [XML] documents) to automatically archive all cited Web pages shortly before or on publication. Finally, WebCite can act as a focussed crawler, caching retrospectively references of already published articles. Copyright issues are addressed by honouring respective Internet standards (robot exclusion files, no-cache and no-archive tags). Long-term preservation is ensured by agreements with libraries and digital preservation organizations. The resulting WebCite Index may also have applications for research assessment exercises, being able to measure the impact of Web services and published Web documents through access and Web citation metrics. @PARASPLIT [J Med Internet Res 2005;7(5):e60] We explore the extent to which gender disparities in Pakistan are reflected in the anonymized mobile phone logs of millions of Pakistani residents. Our analysis uses data capturing the communications behavior of several million individuals, for whom we observe the gender, but no additional demographic or personally identifying information. Here, we focus on validating aggregate regional patterns, correlating metrics derived from the mobile phone logs with socioeconomic statistics collected from more traditional sources. In these preliminary results, we observe a statistically significant relationship between districts with relatively high rates of female mobile phone penetration and districts that report high levels of gender parity in traditional surveys. However, this relationship is not uniform, and less developed regions exhibit a weaker correlation. We interpret these findings as suggestive evidence that such data can provide a novel perspective on gender dynamics in developing countries. In a document network such as a citation network of scientific documents, web-logs, etc., the content produced by authors exhibits their interest in certain topics. In addition some authors influence other authors' interests. In this work, we propose to model the influence of cited authors along with the interests of citing authors. Moreover, we hypothesize that apart from the citations present in documents, the context surrounding the citation mention provides extra topical information about the cited authors. However, associating terms in the context to the cited authors remains an open problem. We propose novel document generation schemes that incorporate the context while simultaneously modeling the interests of citing authors and influence of the cited authors. Our experiments show significant improvements over baseline models for various evaluation criteria such as link prediction between document and cited author, and quantitatively explaining unseen text. A citing sentence is one that appears in a scientific article and cites previous work. Citing sentences have been studied and used in many applications. For example, they have been used in scientific paper summarization, automatic survey generation, paraphrase identification, and citation function classification. Citing sentences that cite multiple papers are common in scientific writing. This observation should be taken into consideration when using citing sentences in applications. For instance, when a citing sentence is used in a summary of a scientific paper, only the fragments of the sentence that are relevant to the summarized paper should be included in the summary. In this paper, we present and compare three different approaches for identifying the fragments of a citing sentence that are related to a given target reference. Our methods are: word classification, sequence labeling, and segment classification. Our experiments show that segment classification achieves the best results. Historically, papers have been physically bound to the journal in which they were published; but in the digital age papers are available individually, no longer tied to their respective journals. Hence, papers now can be read and cited based on their own merits, independently of the journal's physical availability, reputation, or impact factor (IF). We compare the strength of the relationship between journals' IFs and the actual citations received by their respective papers from 1902 to 2009. Throughout most of the 20th century, papers' citation rates were increasingly linked to their respective journals' IFs. However, since 1990, the advent of the digital age, the relation between IFs and paper citations has been weakening. This began first in physics, a field that was quick to make the transition into the electronic domain. Furthermore, since 1990 the overall proportion of highly cited papers coming from highly cited journals has been decreasing and, of these highly cited papers, the proportion not coming from highly cited journals has been increasing. Should this pattern continue, it might bring an end to the use of the IF as a way to evaluate the quality of journals, papers, and researchers. © 2012 Wiley Periodicals, Inc. Citation relationship between scientific publications has been successfully used for scholarly bibliometrics, information retrieval and data mining tasks, and citation-based recommendation algorithms are well documented. While previous studies investigated citation relations from various viewpoints, most of them share the same assumption that, if paper1 cites paper2 (or author1 cites author2), they are connected, regardless of citation importance, sentiment, reason, topic, or motivation. However, this assumption is oversimplified. In this study, we employ an innovative "context-rich heterogeneous network" approach, which paves a new way for citation recommendation task. In the network, we characterize 1) the importance of citation relationships between citing and cited papers, and 2) the topical citation motivation. Unlike earlier studies, the citation information, in this paper, is characterized by citation textual contexts extracted from the full-text citing paper. We also propose algorithm to cope with the situation when large portion of full-text missing information exists in the bibliographic repository. Evaluation results show that, context-rich heterogeneous network can significantly enhance the citation recommendation performance. Abstract Documents in computer-readable form can be used to provide information about other documents, i.e. those they cite. To do this efficiently requires procedures for computer recognition of citing statements. This is not easy, especially for multi-sentence citing statements. Computer recognition procedures have been developed which are accurate to the following extent: 73 of the words in statements selected by computer procedures as being citing statements are words which are correctly attributable to the corresponding documents. The retrieval effectiveness of computer-recognized citing statements was tested in the following way. First, for eight retrieval requests in inorganiic chemistry, average recall by search of Chemical Abstracts Service indexing and Chemical Abstracts abstract text words was found to be 50 . Words from citing statements referring to the papers to be retrieved were then added to the index terms and abstract words as additional access points, and searching was repeated. Average recall increased to 70 . Only words from citing statements published within a year of the cited papers were used. The retrieval effect of citing statement words alone (published within a year) without index or abstract terms was the following: average recall was 40 . When just the words of the titles of the cited papers were added to those citing statement words, average recall increased to 50 . In recent years scholars have built maps of science by connecting the academic fields that cite each other, are cited together, or that cite a similar literature. But since scholars cannot always publish in the fields they cite, or that cite them, these science maps are only rough proxies for the potential of a scholar, organization, or country, to enter a new academic field. Here we use a large dataset of scholarly publications disambiguated at the individual level to create a map of science-or research space-where links connect pairs of fields based on the probability that an individual has published in both of them. We find that the research space is a significantly more accurate predictor of the fields that individuals and organizations will enter in the future than citation based science maps. At the country level, however, the research space and citations based science maps are equally accurate. These findings show that data on career trajectories-the set of fields that individuals have previously published in-provide more accurate predictors of future research output for more focalized units-such as individuals or organizations-than citation based science maps. Preface 1. Introduction 2. Some context for Context Analysis: a view of the origins of structural studies of face-to-face interaction 3. Some functions of gaze direction in two-person conversation 4. Movement co-ordination in social interaction 5. Some functions of the face in a kissing round 6. A description of some human greetings 7. Spatial organisation in social encounters: the F-formation system 8. Behavioural foundations for the process of frame-attunement in face-to-face interaction List of films cited References Index. Doxing is online abuse where a malicious party harms another by releasing identifying or sensitive information. Motivations for doxing include personal, competitive, and political reasons, and web users of all ages, genders and internet experience have been targeted. Existing research on doxing is primarily qualitative. This work improves our understanding of doxing by being the first to take a quantitative approach. We do so by designing and deploying a tool which can detect dox files and measure the frequency, content, targets, and effects of doxing on popular dox-posting sites. This work analyzes over 1.7 million text files posted to paste-bin.com, 4chan.org and 8ch.net, sites frequently used to share doxes online, over a combined period of approximately thirteen weeks. Notable findings in this work include that approximately 0.3 of shared files are doxes, that online social networking accounts mentioned in these dox files are more likely to close than typical accounts, that justice and revenge are the most often cited motivations for doxing, and that dox files target males more frequently than females. We also find that recent anti-abuse efforts by social networks have reduced how frequently these doxing victims closed or restricted their accounts after being attacked. We also propose mitigation steps, such a service that can inform people when their accounts have been shared in a dox file, or law enforcement notification tools to inform authorities when individuals are at heightened risk of abuse. New Information and Communication Technologies (ICTs) are changing the ways in which activists communicate, collaborate and demonstrate. Scholars from a wide range of disciplines, among them sociology, political science and communication, are working to understand these changes. The diversity of perspectives represented enriches the literature, providing an abundant repertoire of tools for examining these phenomena, but it is also an obstacle to understanding. Few works are commonly cited across the field, and most are known only within the confines of their discipline. The absence of a common set of organizing theoretical principles can make it difficult to find connections between these disparate works beyond their common subject matter. This paper responds by locating existing scholarship within a common framework for explaining the emergence, development and outcomes of social movement activity. This provides a logical structure that facilitates conversations across the field around common issues of c... Purpose – The purpose of this paper is to suggest an alternative to the widely used Times Cited criterion for analysing citation networks. The approach involves taking account of the natures of the papers that cite a given paper, so as to differentiate between papers that attract the same number of citations.Design methodology approach – ArticleRank is an algorithm that has been derived from Google's PageRank algorithm to measure the influence of journal articles. ArticleRank is applied to two datasets – a citation network based on an early paper on webometrics, and a self‐citation network based on the 19 most cited papers in the Journal of Documentation – using citation data taken from the Web of Knowledge database.Findings – ArticleRank values provide a different ranking of a set of papers from that provided by the corresponding Times Cited values, and overcomes the inability of the latter to differentiate between papers with the same numbers of citations. The difference in rankings between Times Cited ... A new form of document coupling called co-citation is defined as the frequency with which two documents are cited together. The co-citation frequency of two scientific papers can be determined by comparing lists of citing documents in the Science Citation Index and counting identical entries. Networks of co-cited papers can be generated for specific scientific specialties, and an example is drawn from the literature of particle physics. Co-citation patterns are found to differ significantly from bibliographic coupling patterns, but to agree generally with patterns of direct citation. Clusters of co-cited papers provide a new way to study the specialty structure of science. They may provide a new approach to indexing and to the creation of SDI profiles. Today, large-volume mobile phone call datasets are widely applied to investigate the spatio-temporal characteristics of human urban activity. This paper discusses several fundamental issues in estimating population distributions based on mobile call data. By adopting an individual-based call activity dataset that consists of nearly two million mobile subscribers who made over one hundred million communications over seven consecutive days, we explore the relationships among the Erlang values, the number of calls, and the number of active mobile subscribers. Then, the LandScan population density dataset is introduced to evaluate the process of estimating the population. The empirical findings indicate that: (1) Temporal variation exists in the relation between the Erlang values and the number of calls; (2) The number of calls is linearly proportional to the number of active mobile subscribers; (3) The proportion between the mobile subscribers and the actual total population varies in different areas, thus failing to represent the underlying population. Hence, the call activity reflects "activity intensity" rather than population distribution. The Erlang is a defective indicator of population distribution, whereas the number of calls serves as a better measure. This research provides an explicit clarification with respect to using call activity data for estimating population distribution. Previous research indicates that during the past 20 years, the highest-quality work has been published in an increasingly diverse and larger group of journals. In this article, we examine whether this diversification has also affected the handful of elite journals that are traditionally considered to be the best. We examine citation patterns during the past 40 years of seven long-standing traditionally elite journals and six journals that have been increasing in importance during the past 20 years. To be among the top 5 or 1 cited papers, papers now need about twice as many citations as they did 40 years ago. Since the late 1980s and early 1990s, elite journals have been publishing a decreasing proportion of these top-cited papers. This also applies to the two journals that are typically considered as the top venues and often used as bibliometric indicators of "excellence": Science and Nature. On the other hand, several new and established journals are publishing an increasing proportion of the most-cited papers. These changes bring new challenges and opportunities for all parties. Journals can enact policies to increase or maintain their relative position in the journal hierarchy. Researchers now have the option to publish in more diverse venues knowing that their work can still reach the same audiences. Finally, evaluators and administrators need to know that although there will always be a certain prestige associated with publishing in "elite" journals, journal hierarchies are in constant flux. The article introduces digital image restoration to the reader who is just beginning in this field, and provides a review and analysis for the reader who may already be well-versed in image restoration. The perspective on the topic is one that comes primarily from work done in the field of signal processing. Thus, many of the techniques and works cited relate to classical signal processing approaches to estimation theory, filtering, and numerical analysis. In particular, the emphasis is placed primarily on digital image restoration algorithms that grow out of an area known as "regularized least squares" methods. It should be noted, however, that digital image restoration is a very broad field, as we discuss, and thus contains many other successful approaches that have been developed from different perspectives, such as optics, astronomy, and medical imaging, just to name a few. In the process of reviewing this topic, we address a number of very important issues in this field that are not typically discussed in the technical literature. Classical papers are of great help for beginners to get familiar with a new research area. However, digging them out is a difficult problem. This paper proposes Claper, a novel academic recommendation system based on two proven principles: the Principle of Download Persistence and the Principle of Citation Approaching (we prove them based on real-world datasets). The principle of download persistence indicates that classical papers have few decreasing download frequencies since they were published. The principle of citation approaching indicates that a paper which cites a classical paper is likely to cite citations of that classical paper. Our experimental results based on large-scale real-world datasets illustrate Claper can effectively recommend classical papers of high quality to beginners and thus help them enter their research areas. On the occasion of the 10th anniversary of the MSR conference, it is a worthwhile exercise to meditate on the past, present and future of our research discipline. Indeed, since the MSR community has experienced a big influx of researchers bringing in new ideas, state-of-the art technology and contemporary research methods it is unclear what the future might bring. In this paper, we report on a text mining exercise applied on the complete corpus of MSR papers to reflect on where we come from; where we are now; and where we should be going. We address issues like the trendy (and outdated) research topics; the frequently (and less frequently) cited cases; the popular (and emerging) mining infrastructure; and finally the proclaimed actionable information which we are deemed to uncover.