Aug 8

Do we know what good behavior looks like?

Since humanity has developed civilization it has attempted to lay out rules of engagement that always retain a sense of civility. As the course of civilization, and the structures of the societies within, have changed, so too have the behaviors that uphold those ideas. In most current societies, the guidelines of behavior are wide and all-encompassing, making it difficult to distinguish one right from another. Good behavior is held up to such a variance of different rules and expectations, that it is often hard to lay out explicitly what is good; except in the face of what is bad. Most humans approach considerations of behavior (if they consider their behavior at all!) in polar …

Jul 7

Using machine learning to detect happiness

In theory, a business’s top concern is their customer’s happiness. After all, a happy customer means a loyal customer, and a customer who is unsatisfied is generally bad for business. Therefore, businesses today should do well to track their customer’s satisfaction, and then attempt to make their customers even happier. This is easier said than done, as happiness (and the measurement of it) is more complex than it seems. 

Happiness can be understood in several ways, both quantitatively and qualitatively, yet several businesses either view it under a limited scope or do not consider it at all. Several businesses, with the intent of “interacting” with the customer, may send …

Jun 6

Machine Learning for Financial Wellness

In the world of artificial intelligence, many shifts have taken place to allow for a more human centric approach to business. One such shift is financial wellness. This article introduces the concept of financial wellness and the practical implementation of using machine learning and AI to give customers a financial wellness score. There are further considerations regarding the concept, including why, despite it being an extremely relevant topic, it has not yet been implemented globally. 

Financial wellness is defined in a number of ways; the most familiar of which refers to an individual’s overall financial health. It is often described as a position of  ‘being prepared for an emergency’, ‘meeting financial goals’ and ‘budgeting spends’, amongst others.

Aug 8

Behavioral Prediction

In contemplation of prediction, there comes to mind one of a few fundamental images. A piece of toast, lying flat on it’s buttered face in the dirt, every time it flees from the clutches of your hungry hands. A mystical woman, drowning in shawls and muttering about the appearance of a tall dark stranger, as she peers into your teacup. A classroom of blackboards, overflowing with equations, in search of answering the tragedy of …

Jun 6

It’s not about mathematics anymore

Call to mind the ever present aura of prediction, a modern-day obsession with defining the undefinable. The world of academics and business-people have been so seduced by the notion of being able to pre-empt future actions. Accurate predictions have become a matter of survival for companies, by means of being proactive rather than reactive to individual customer shifts.

In favour of predictive analytics, the likelihood of being able to …

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