Mining Individuals’ Behavior Patterns from Social Media for Enhancing Online Credit Scoring

Research output: Chapters, Conference Papers, Creative and Literary Works (RGC: 12, 32, 41, 45)32_Refereed conference paper (with ISBN/ISSN)peer-review

3 Scopus Citations
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Author(s)

Detail(s)

Original languageEnglish
Title of host publicationPACIS 2018 PROCEEDINGS
Subtitle of host publicationPACIS 2018 - Opportunities and Challenges for the Digitized Society: Are We Ready?
PublisherAssociation for Information Systems
ISBN (Print)978-4-902590-83-8
Publication statusPublished - Jun 2018

Conference

Title22nd Pacific Asia Conference on Information Systems (PACIS 2018)
PlaceJapan
CityYokohama
Period26 - 30 June 2018

Abstract

The sheer volume of user behavioral data captured on online social media provide credit agencies with unprecedented opportunities to tap into the low-cost social intelligence for conducting online credit scoring. However, traditional machine learning techniques simply cannot scale up with the large-scale social media data. The main contribution of the work reported in this paper is the development of a novel large-scale data analytics methodology that leverages readily available social media data for enhancing online credit scoring. In particular, the proposed methodology is underpinned by a parallel topic modeling method for user behavioral pattern mining. Based on real-world data crawled from Sina Weibo, our experimental results show that the proposed large-scale data analytics methodology can effectively and efficiently analyze user behavior patterns from online social media. Moreover, it outperforms traditional credit scoring methods.

Research Area(s)

  • Behavior Pattern Mining, Large-scale Social Media Analytics, Online Credit Scoring, Parallel LDA

Citation Format(s)

Mining Individuals’ Behavior Patterns from Social Media for Enhancing Online Credit Scoring. / Yuan, Hui; Lau, Raymond Y.K.; Xu, Wei; Pan, Zhaokang; Wong, Michael C.S.

PACIS 2018 PROCEEDINGS: PACIS 2018 - Opportunities and Challenges for the Digitized Society: Are We Ready?. Association for Information Systems, 2018. 163.

Research output: Chapters, Conference Papers, Creative and Literary Works (RGC: 12, 32, 41, 45)32_Refereed conference paper (with ISBN/ISSN)peer-review