Credit risk assessment is at the core of modern economies. Traditionally, it is measured by statistical methods and manual auditing. Recent advances in financial artificial intelligence stemmed from a new wave of machine learning (ML)-driven credit risk models that gained tremendous attention from both industry and academia. In this paper, we systematically review a series of major research contributions (76 papers) over the past eight years using statistical, machine learning and deep learning techniques to address the problems of credit risk. Specifically, we propose a novel classification methodology for ML-driven credit risk algorithms and their performance ranking using public datasets. We further discuss the challenges including data imbalance, dataset inconsistency, model transparency, and inadequate utilization of deep learning models. The results of our review show that: 1) most deep learning models outperform classic machine learning and statistical algorithms in credit risk estimation, and 2) ensemble methods provide higher accuracy compared with single models. Finally, we present summary tables in terms of datasets and proposed models.

Studies and systems that are aimed at the identification of the presence of people within an indoor environment and the monitoring of their activities and flows have been receiving more attention in recent years, specifically since the beginning of the COVID-19 pandemic. This paper proposes an approach for people counting that is based on the use of cameras and Raspberry Pi platforms, together with an edge-based transfer learning framework that is enriched with specific image processing strategies, with the aim of this approach being adopted in different indoor environments without the need for tailored training phases. The system was deployed on a university campus, which was chosen as the case study. The proposed system was able to work in classrooms with different characteristics. This paper reports a proposed architecture that could make the system scalable and privacy compliant and the evaluation tests that were conducted in different types of classrooms, which demonstrate the feasibility of this approach. Overall, the system was able to count the number of people in classrooms with a maximum mean absolute error of 1.23.

Www.ipm.edu.mo Worldwide deterioration of air quality has raised people's concerns on what they inhale on a daily basis. This work exploits inexpensive pollution sensors deployed in the Macao Polytechnic Institute service fleet as a mean to monitor air quality at city scale. We propose web-based geo-spatial exploration tool to provide air-quality information for users and insights on the causes to the city hall. We are able to identify strong connections between the territory orography and the air quality level. Specifically, it is possible by analyzing various areas to discover that places with traffic congestion and confined space, or poor natural ventilation which exhibits a sudden change in air quality readings.

Intense vehicular traffic is recognized as a global societal problem, with a multifaceted influence on the quality of life of a person. Intelligent Transportation Systems (ITS) can play an important role in combating such problem, decreasing pollution levels and, consequently, their negative effects. One of the goals of ITSs, in fact, is that of controlling traffic flows, measuring traffic states, providing vehicles with routes that globally pursue low pollution conditions. How such systems measure and enforce given traffic states has been at the center of multiple research efforts in the past few years. Although many different solutions have been proposed, very limited effort has been devoted to exploring the potential of social network analysis in such context. Social networks, in general, provide direct feedback from people and, as such, potentially very valuable information. A post that tells, for example, how a person feels about pollution at a given time in a given location, could be put to good use by an environment aware ITS aiming at minimizing contaminant emissions in residential areas. This work verifies the feasibility of using pollution related social network feeds into ITS operations. In particular, it concentrates on understanding how reliable such information is, producing an analysis that confronts over 1,500,000 posts and pollution data obtained from on-the- field sensors over a one-year span.