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Artificial intelligence (AI) is rapidly shaping the global financial market and its services due to the great competence that it has shown for analysis and modeling in many disciplines. What is especially remarkable is the potential that these techniques could offer to the challenging reality of credit fraud detection (CFD); but it is not easy, even for financial institutions, to keep in strict compliance with non-discriminatory and data protection regulations while extracting all the potential that these powerful new tools can provide to them. This reality effectively restricts nearly all possible AI applications to simple and easy to trace neural networks, preventing more advanced and modern techniques from being applied. The aim of this work was to create a reliable, unbiased, and interpretable methodology to automatically evaluate CFD risk. Therefore, we propose a novel methodology to address the mentioned complexity when applying machine learning (ML) to the CFD problem that uses state-of-the-art algorithms capable of quantifying the information of the variables and their relationships. This approach offers a new form of interpretability to cope with this multifaceted situation. Applied first is a recent published feature selection technique, the informative variable identifier (IVI), which is capable of distinguishing among informative, redundant, and noisy variables. Second, a set of innovative recurrent filters defined in this work are applied, which aim to minimize the training-data bias, namely, the recurrent feature filter (RFF) and the maximally-informative feature filter (MIFF). Finally, the output is classified by using compelling ML techniques, such as gradient boosting, support vector machine, linear discriminant analysis, and linear regression. These defined models were applied both to a synthetic database, for better descriptive modeling and fine tuning, and then to a real database. Our results confirm that our proposal yields valuable interpretability by identifying the informative features’ weights that link original variables with final objectives. Informative features were living beyond one’s means, lack or absence of a transaction trail, and unexpected overdrafts, which are consistent with other published works. Furthermore, we obtained 76% accuracy in CFD, which represents an improvement of more than 4% in the real databases compared to other published works. We conclude that with the use of the presented methodology, we do not only reduce dimensionality, but also improve the accuracy, and trace relationships among input and output features, bringing transparency to the ML reasoning process. The results obtained here were used as a starting point for the companion paper which reports on our extending the interpretability to nonlinear ML architectures.

COVID-19 has hit the hotel sector in a hitherto unknown way. This situation is producing a fundamental change in client behavior that makes crucial an adequate knowledge of their profile to overcome an uncertain environment. Customer Relationship Management (CRM) can provide key strategies in hospitality industry by generating a great amount of valuable information about clients, whereas Big Data tools are providing with unprecedented facilities to conduct massive analysis and to focus the client-to-business relationship. However, few instruments have been proposed to handle categorical features, which are the most usual in CRMs, aiming to adapt the statistical robustness with the best interpretability for the managers. Therefore, our aim was to identify the profiles of clients from an international hotel chain using the overall data in its CRM system. An analysis method was created involving three elements: First, Multiple Correspondence Analysis provides us with a statistical description of the interactions among categories and features. Second, bootstrap resampling techniques give us information about the statistical variability of the feature maps. Third, kernel methods provide easy-to-visualize domain descriptions based on confidence areas in the maps. The proposed methodology can provide an operative and statistically principled way to scrutinize the CRM profiles in hospitality.

The current demand for a wireless electromagnetic spectrum is higher than ever before due to rapid technological development in the field of information and communication technologies that has resulted in monumental growth in data-centric services. The usage of idle TV channels in the Television Ultra High Frequencies (TV-UHF) band (500&ndash, 698 MHz), also known as Television White Spaces (TVWS), is a relatively new and promising concept for wireless connectivity that can be used to cater to the demand. A challenge in this setting is to figure out a fast and cost-effective method of TVWS presence estimation, such as the use of open hardware and software tools, reducing sensing time. This article proposes a Rapid Estimation Method (REM) for TVWS estimation that uses the statistical information of the sensed signals. Our probabilistic approach analyzes the collected parameters of more than eight million data samples taken by scanning the TV-UHF spectrum in the city of Windsor, ON, Canada. The calculated statistical parameters and a group of auxiliary parameters were combined to estimate rapidly the amount of TVWS available in the sensed locations. By applying the proposed rapid estimation method, the presence of TVWS was identified and verified with an accuracy of about 76% according to the results obtained, the average variation when comparing the calculated and detected probabilities of TVWS was in a range of 15%, and the method could be a viable solution to the spectrum need.

The search for an unbiased company valuation method to reduce uncertainty, whether or not it is automatic, has been a relevant topic in social sciences and business development for decades. Many methods have been described in the literature, but consensus has not been reached. In the companion paper we aimed to review the assessment capabilities of traditional company valuation model, based on company&rsquo, s intrinsic value using the Discounted Cash Flow (DCF). In this paper, we capitalized on the potential of exogenous information combined with Machine Learning (ML) techniques. To do so, we performed an extensive analysis to evaluate the predictive capabilities with up to 18 different ML techniques. Endogenous variables (features) related to value creation (DCF) were proved to be crucial elements for the models, while the incorporation of exogenous, industry/country specific ones, incrementally improves the ML performance. Bagging Trees, Supported Vector Regression, Gaussian Process Regression methods consistently provided the best results. We concluded that an unbiased model can be created based on endogenous and exogenous information to build a reference framework, to price and benchmark Enterprise Value for valuation and credit risk assessment.

During the last years, attention and controversy have been present for the first commercially available equipment being used in Electrocardiographic Imaging (ECGI), a new cardiac diagnostic tool which opens up a new field of diagnostic possibilities. Previous knowledge and criteria of cardiologists using intracardiac Electrograms (EGM) should be revisited from the newly available spatial&ndash, temporal potentials, and digital signal processing should be readapted to this new data structure. Aiming to contribute to the usefulness of ECGI recordings in the current knowledge and methods of cardiac electrophysiology, we previously presented two results: First, spatial consistency can be observed even for very basic cardiac signal processing stages (such as baseline wander and low-pass filtering), second, useful bipolar EGMs can be obtained by a digital processing operator searching for the maximum amplitude and including a time delay. In addition, this work aims to demonstrate the functionality of ECGI for cardiac electrophysiology from a twofold view, namely, through the analysis of the EGM waveforms, and by studying the ventricular repolarization properties. The former is scrutinized in terms of the clustering properties of the unipolar an bipolar EGM waveforms, in control and myocardial infarction subjects, and the latter is analyzed using the properties of T-wave alternans (TWA) in control and in Long-QT syndrome (LQTS) example subjects. Clustered regions of the EGMs were spatially consistent and congruent with the presence of infarcted tissue in unipolar EGMs, and bipolar EGMs with adequate signal processing operators hold this consistency and yielded a larger, yet moderate, number of spatial&ndash, temporal regions. TWA was not present in control compared with an LQTS subject in terms of the estimated alternans amplitude from the unipolar EGMs, however, higher spatial&ndash, temporal variation was present in LQTS torso and epicardium measurements, which was consistent through three different methods of alternans estimation. We conclude that spatial&ndash, temporal analysis of EGMs in ECGI will pave the way towards enhanced usefulness in the clinical practice, so that atomic signal processing approach should be conveniently revisited to be able to deal with the great amount of information that ECGI conveys for the clinician.

During the last decades there has been a rapidly growing elderly population and the number of patients with chronic heart-related diseases has exploded. Many of them (such as those with congestive heart failure or some types of arrhythmias) require close medical supervision, thus imposing a big burden on healthcare costs in most western economies. Specifically, continuous or frequent Arterial Blood Pressure (ABP) and electrocardiogram (ECG) monitoring are important tools in the follow-up of many of these patients. In this work, we present a novel remote non-ambulatory and clinically validated heart self-monitoring system, which allows ABP and ECG monitoring to effectively identify clinically relevant arrhythmias. The system integrates digital transmission of the ECG and tensiometer measurements, within a patient-comfortable support, easy to recharge and with a multi-function software, all of them aiming to adapt for elderly people. The main novelty is that both physiological variables (ABP and ECG) are simultaneously measured in an ambulatory environment, which to our best knowledge is not readily available in the clinical market. Different processing techniques were implemented to analyze the heart rhythm, including pause detection, rhythm alterations and atrial fibrillation, hence allowing early detection of these diseases. Our results achieved clinical quality both for in-lab hardware testing and for ambulatory scenario validations. The proposed active assisted living (AAL) Sensor-based system is an end-to-end multidisciplinary system, fully connected to a platform and tested by the clinical team from beginning to end.

In recent years, attention has been paid to wireless sensor networks (WSNs) applied to precision agriculture. However, few studies have compared the technologies of different communication standards in terms of topology and energy efficiency. This paper presents the design and implementation of the hardware and software of three WSNs with different technologies and topologies of wireless communication for tomato greenhouses in the Andean region of Ecuador, as well as the comparative study of the performance of each of them. Two companion papers describe the study of the dynamics of the energy consumption and of the monitored variables. Three WSNs were deployed, two of them with the IEEE 802.15.4 standard with star and mesh topologies (ZigBee and DigiMesh, respectively), and a third with the IEEE 802.11 standard with access point topology (WiFi). The measured variables were selected after investigation of the climatic conditions required for efficient tomato growth. The measurements for each variable could be displayed in real time using either a laboratory virtual instrument engineering workbench (LabVIEWTM) interface or an Android mobile application. The comparative study of the three networks made evident that the configuration of the DigiMesh network is the most complex for adding new nodes, due to its mesh topology. However, DigiMesh maintains the bit rate and prevents data loss by the location of the nodes as a function of crop height. It has been also shown that the WiFi network has better stability with larger precision in its measurements.

World population growth currently brings unequal access to food, whereas crop yields are not increasing at a similar rate, so that future food demand could be unmet. Many recent research works address the use of optimization techniques and technological resources on precision agriculture, especially in large demand crops, including climatic variables monitoring using wireless sensor networks (WSNs). However, few studies have focused on analyzing the dynamics of the environmental measurement properties in greenhouses. In the two companion papers, we describe the design and implementation of three WSNs with different technologies and topologies further scrutinizing their comparative performance, and a detailed analysis of their energy consumption dynamics is also presented, both considering tomato greenhouses in the Andean region of Ecuador. The three WSNs use ZigBee with star topology, ZigBee with mesh topology (referred to here as DigiMesh), and WiFi with access point topology. The present study provides a systematic and detailed analysis of the environmental measurement dynamics from multiparametric monitoring in Ecuadorian tomato greenhouses. A set of monitored variables (including CO2, air temperature, and wind direction, among others) are first analyzed in terms of their intrinsic variability and their short-term (circadian) rhythmometric behavior. Then, their cross-information is scrutinized in terms of scatter representations and mutual information analysis. Based on Bland&ndash, Altman diagrams, good quality rhythmometric models were obtained at high-rate sampling signals during four days when using moderate regularization and preprocessing filtering with 100-coefficient order. Accordingly, and especially for the adjustment of fast transition variables, it is appropriate to use high sampling rates and then to filter the signal to discriminate against false peaks and noise. In addition, for variables with similar behavior, a longer period of data acquisition is required for the adequate processing, which makes more precise the long-term modeling of the environmental signals.