{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,4,13]],"date-time":"2026-04-13T14:30:46Z","timestamp":1776090646308,"version":"3.50.1"},"publisher-location":"New York, NY, USA","reference-count":23,"publisher":"ACM","license":[{"start":{"date-parts":[[2018,6,20]],"date-time":"2018-06-20T00:00:00Z","timestamp":1529452800000},"content-version":"vor","delay-in-days":0,"URL":"https:\/\/www.acm.org\/publications\/policies\/copyright_policy#Background"}],"content-domain":{"domain":["dl.acm.org"],"crossmark-restriction":true},"short-container-title":[],"published-print":{"date-parts":[[2018,6,20]]},"DOI":"10.1145\/3209811.3209856","type":"proceedings-article","created":{"date-parts":[[2018,6,20]],"date-time":"2018-06-20T12:12:39Z","timestamp":1529496759000},"page":"1-7","update-policy":"https:\/\/doi.org\/10.1145\/crossmark-policy","source":"Crossref","is-referenced-by-count":5,"title":["Three Population Covariate Shift for Mobile Phone-based Credit Scoring"],"prefix":"10.1145","author":[{"given":"Skyler","family":"Speakman","sequence":"first","affiliation":[{"name":"IBM Research"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Srihari","family":"Sridharan","sequence":"additional","affiliation":[{"name":"IBM Research"}],"role":[{"role":"author","vocabulary":"crossref"}]},{"given":"Isaac","family":"Markus","sequence":"additional","affiliation":[{"name":"IBM Research"}],"role":[{"role":"author","vocabulary":"crossref"}]}],"member":"320","published-online":{"date-parts":[[2018,6,20]]},"reference":[{"key":"e_1_3_2_1_1_1","doi-asserted-by":"publisher","DOI":"10.1111\/j.1467-985X.2009.00624_10.x"},{"key":"e_1_3_2_1_2_1","doi-asserted-by":"publisher","DOI":"10.5555\/1577069.1755858"},{"key":"e_1_3_2_1_3_1","doi-asserted-by":"publisher","DOI":"10.1023\/A:1007379606734"},{"key":"e_1_3_2_1_4_1","doi-asserted-by":"publisher","DOI":"10.1145\/1273496.1273521"},{"key":"e_1_3_2_1_5_1","first-page":"61","article-title":"Mobile Money for Financial Inclusion","volume":"4","author":"Donovan Kevin","year":"2012","unstructured":"Kevin Donovan . 2012 . Mobile Money for Financial Inclusion . In Information and Communications for Development. Chapter 4 , 61 -- 74 . Kevin Donovan. 2012. Mobile Money for Financial Inclusion. In Information and Communications for Development. Chapter 4, 61--74.","journal-title":"Information and Communications for Development. Chapter"},{"key":"e_1_3_2_1_6_1","doi-asserted-by":"publisher","DOI":"10.1006\/jcss.1997.1504"},{"key":"e_1_3_2_1_7_1","doi-asserted-by":"publisher","DOI":"10.5555\/2354409.2355024"},{"key":"e_1_3_2_1_8_1","doi-asserted-by":"crossref","unstructured":"Arthur Gretton Alexander J Smola Jiayuan Huang Marcel Schmittfull Karsten M Borgwardt and Bernhard Sch\u00f6lkopf. 2009. Covariate shift by kernel mean matching. (2009).  Arthur Gretton Alexander J Smola Jiayuan Huang Marcel Schmittfull Karsten M Borgwardt and Bernhard Sch\u00f6lkopf. 2009. Covariate shift by kernel mean matching. (2009).","DOI":"10.7551\/mitpress\/9780262170055.003.0008"},{"key":"e_1_3_2_1_9_1","doi-asserted-by":"crossref","unstructured":"W E Henley. 1997. Statistical Classification Methods in Consumer Credit Scoring: a Review. (1997) 523--541.  W E Henley. 1997. Statistical Classification Methods in Consumer Credit Scoring: a Review. (1997) 523--541.","DOI":"10.1111\/j.1467-985X.1997.00078.x"},{"key":"e_1_3_2_1_10_1","volume-title":"Smola","author":"Huang Jiayuan","year":"2007","unstructured":"Jiayuan Huang , Arthur Gretton , Karsten M. Borgwardt , Prof. Bernhard Sch\u00f6lkopf , and Alex J . Smola . 2007 . Correcting Sample Selection Bias by Unlabeled Data . (2007), 601--608. Jiayuan Huang, Arthur Gretton, Karsten M. Borgwardt, Prof. Bernhard Sch\u00f6lkopf, and Alex J. Smola. 2007. Correcting Sample Selection Bias by Unlabeled Data. (2007), 601--608."},{"key":"e_1_3_2_1_11_1","volume-title":"Digital Finance for All: Powering Inclusive Growth in Emerging Economies. McKinsey Quarterly September","author":"Manyika James","year":"2016","unstructured":"James Manyika , Susan Lund , Marc Singer , Olivia White , and Chris Berry . 2016. Digital Finance for All: Powering Inclusive Growth in Emerging Economies. McKinsey Quarterly September ( 2016 ). James Manyika, Susan Lund, Marc Singer, Olivia White, and Chris Berry. 2016. Digital Finance for All: Powering Inclusive Growth in Emerging Economies. McKinsey Quarterly September (2016)."},{"key":"e_1_3_2_1_12_1","doi-asserted-by":"publisher","DOI":"10.1016\/j.patcog.2011.06.019"},{"key":"e_1_3_2_1_13_1","volume-title":"MobiScore: Towards Universal Credit Scoring from Mobile Phone Data","author":"Pedro Jose San","unstructured":"Jose San Pedro , Davide Proserpio , and Nuria Oliver . 2015. MobiScore: Towards Universal Credit Scoring from Mobile Phone Data . Springer International Publishing , Cham , 195--207. Jose San Pedro, Davide Proserpio, and Nuria Oliver. 2015. MobiScore: Towards Universal Credit Scoring from Mobile Phone Data. Springer International Publishing, Cham, 195--207."},{"key":"e_1_3_2_1_14_1","first-page":"1","article-title":"Generalized Boosted Models: A guide to the gbm package","volume":"1","author":"Ridgeway Greg","year":"2007","unstructured":"Greg Ridgeway . 2007 . Generalized Boosted Models: A guide to the gbm package . Compute 1 , 4 (2007), 1 -- 12 . Greg Ridgeway. 2007. Generalized Boosted Models: A guide to the gbm package. Compute 1, 4 (2007), 1--12.","journal-title":"Compute"},{"key":"e_1_3_2_1_15_1","first-page":"249","article-title":"Input-Dependent Estimation of Generalization Error under Covariate Shift","volume":"279","author":"Sugiyama Masashi","year":"2005","unstructured":"Masashi Sugiyama and Klaus-robert M\u00fcller. 2005 . Input-Dependent Estimation of Generalization Error under Covariate Shift . Statistics & Decisions 279 , 2005 (2005), 249 -- 279 . Masashi Sugiyama and Klaus-robert M\u00fcller. 2005. Input-Dependent Estimation of Generalization Error under Covariate Shift. Statistics & Decisions 279, 2005 (2005), 249--279.","journal-title":"Statistics & Decisions"},{"key":"e_1_3_2_1_16_1","volume-title":"Model Selection Under Covariate Shift. Artificial Neural Networks: Formal Models and Their Applications \u00e2\u0102\u015e ICANN 2005 3697, 2","author":"Sugiyama Masashi","year":"2005","unstructured":"Masashi Sugiyama and Klaus-Robert M\u00fcller . 2005. Model Selection Under Covariate Shift. Artificial Neural Networks: Formal Models and Their Applications \u00e2\u0102\u015e ICANN 2005 3697, 2 ( 2005 ), 235--240. Masashi Sugiyama and Klaus-Robert M\u00fcller. 2005. Model Selection Under Covariate Shift. Artificial Neural Networks: Formal Models and Their Applications \u00e2\u0102\u015e ICANN 2005 3697, 2 (2005), 235--240."},{"key":"e_1_3_2_1_17_1","volume-title":"Density Ratio Estimation in Machine Learning","author":"Sugiyama Masashi","unstructured":"Masashi Sugiyama , Taiji Suzuki , and Takafumi Kanamori . 2012. Density Ratio Estimation in Machine Learning ( 1 st ed.). Cambridge University Press , New York, NY, USA . Masashi Sugiyama, Taiji Suzuki, and Takafumi Kanamori. 2012. Density Ratio Estimation in Machine Learning (1st ed.). Cambridge University Press, New York, NY, USA.","edition":"1"},{"key":"e_1_3_2_1_18_1","volume-title":"Paul Von B\u00fcnau, and Motoaki Kawanabe","author":"Suigyama Masashi","year":"2007","unstructured":"Masashi Suigyama , Shinichi Nakajima , Hisashi Kashima , Paul Buenau , Motoaki Kawanabe , Masashi Sugiyama , Shinichi Nakajima , Hisashi Kashima , Paul Von B\u00fcnau, and Motoaki Kawanabe . 2007 . Direct Importance Estimation with Model Selection and Its Application to Covariate Shift Adaptation. Nips ( 2007), 1--8. Masashi Suigyama, Shinichi Nakajima, Hisashi Kashima, Paul Buenau, Motoaki Kawanabe, Masashi Sugiyama, Shinichi Nakajima, Hisashi Kashima, Paul Von B\u00fcnau, and Motoaki Kawanabe. 2007. Direct Importance Estimation with Model Selection and Its Application to Covariate Shift Adaptation. Nips (2007), 1--8."},{"key":"e_1_3_2_1_19_1","doi-asserted-by":"publisher","DOI":"10.1146\/annurev-economics-063016-103638"},{"key":"e_1_3_2_1_20_1","doi-asserted-by":"publisher","DOI":"10.1137\/1.9781611974010.26"},{"key":"e_1_3_2_1_21_1","volume-title":"A survey of transfer learning","author":"Weiss Karl","unstructured":"Karl Weiss , Taghi M. Khoshgoftaar , and DingDing Wang . 2016. A survey of transfer learning . Vol. 3 . Springer International Publishing . 9 pages. Karl Weiss, Taghi M. Khoshgoftaar, and DingDing Wang. 2016. A survey of transfer learning. Vol. 3. Springer International Publishing. 9 pages."},{"key":"e_1_3_2_1_22_1","doi-asserted-by":"publisher","DOI":"10.1145\/1015330.1015425"},{"key":"e_1_3_2_1_23_1","doi-asserted-by":"crossref","unstructured":"Indr\u00c4Ů \u017dliobait\u00c4Ů Mykola Pechenizkiy and Jo\u00e3o Gama. 2016. An Overview of Concept Drift Applications. (2016) 91--114.  Indr\u00c4Ů \u017dliobait\u00c4Ů Mykola Pechenizkiy and Jo\u00e3o Gama. 2016. An Overview of Concept Drift Applications. (2016) 91--114.","DOI":"10.1007\/978-3-319-26989-4_4"}],"event":{"name":"COMPASS '18: ACM SIGCAS Conference on Computing and Sustainable Societies","location":"Menlo Park and San Jose CA USA","acronym":"COMPASS '18","sponsor":["SIGCAS ACM Special Interest Group on Computers and Society"]},"container-title":["Proceedings of the 1st ACM SIGCAS Conference on Computing and Sustainable Societies"],"original-title":[],"link":[{"URL":"https:\/\/dl.acm.org\/doi\/10.1145\/3209811.3209856","content-type":"unspecified","content-version":"vor","intended-application":"text-mining"},{"URL":"https:\/\/dl.acm.org\/doi\/pdf\/10.1145\/3209811.3209856","content-type":"unspecified","content-version":"vor","intended-application":"similarity-checking"}],"deposited":{"date-parts":[[2025,6,18]],"date-time":"2025-06-18T02:13:08Z","timestamp":1750212788000},"score":1,"resource":{"primary":{"URL":"https:\/\/dl.acm.org\/doi\/10.1145\/3209811.3209856"}},"subtitle":[],"short-title":[],"issued":{"date-parts":[[2018,6,20]]},"references-count":23,"alternative-id":["10.1145\/3209811.3209856","10.1145\/3209811"],"URL":"https:\/\/doi.org\/10.1145\/3209811.3209856","relation":{},"subject":[],"published":{"date-parts":[[2018,6,20]]},"assertion":[{"value":"2018-06-20","order":2,"name":"published","label":"Published","group":{"name":"publication_history","label":"Publication History"}}]}}