Unraveling The Predictive Power Of Telematics Data In Car Insurance Pricing

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Machine Learning in Insurance

Author : Jens Perch Nielsen
Publisher : MDPI
ISBN 13 : 3039364472
Total Pages : 260 pages
Book Rating : 4.0/5 (393 download)

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Book Synopsis Machine Learning in Insurance by : Jens Perch Nielsen

Download or read book Machine Learning in Insurance written by Jens Perch Nielsen and published by MDPI. This book was released on 2020-12-02 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: Machine learning is a relatively new field, without a unanimous definition. In many ways, actuaries have been machine learners. In both pricing and reserving, but also more recently in capital modelling, actuaries have combined statistical methodology with a deep understanding of the problem at hand and how any solution may affect the company and its customers. One aspect that has, perhaps, not been so well developed among actuaries is validation. Discussions among actuaries’ “preferred methods” were often without solid scientific arguments, including validation of the case at hand. Through this collection, we aim to promote a good practice of machine learning in insurance, considering the following three key issues: a) who is the client, or sponsor, or otherwise interested real-life target of the study? b) The reason for working with a particular data set and a clarification of the available extra knowledge, that we also call prior knowledge, besides the data set alone. c) A mathematical statistical argument for the validation procedure.

Capital Markets Union and Beyond

Author : Franklin Allen
Publisher : MIT Press
ISBN 13 : 0262354276
Total Pages : 391 pages
Book Rating : 4.2/5 (623 download)

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Book Synopsis Capital Markets Union and Beyond by : Franklin Allen

Download or read book Capital Markets Union and Beyond written by Franklin Allen and published by MIT Press. This book was released on 2019-12-10 with total page 391 pages. Available in PDF, EPUB and Kindle. Book excerpt: Experts from economics, finance, law, policy, and banking discuss the design and implementation of a future capital market union in Europe. The plan for further development of Europe's economic and monetary union foresees the creation of a capital market union (CMU)—a single market for capital in the entire Eurozone. The need for citizens and firms of all European countries to have access to funding, together with the pressure to improve the efficiency and risk-sharing opportunities of the financial system in general, put the CMU among the top priorities on the Eurozone's agenda. In this volume, leading academics in economics, finance, and law, along with policy makers and practitioners, discuss the design and implementation of a future CMU. Contributors describe the key design challenges of the CMU; specific opportunities and obstacles for reaching the CMU's goals of increasing the economic well-being of households and the profitability and viability of firms; the role that markets—from the latest fintech developments to traditional equity markets—can play in the future success of CMU; and the institutional framework needed for CMU in the aftermath of the global recession. Contributors Sumit Agarwal, Franklin Allen, Valentina Allotti, Gene Amromin, John Armour, Geert Bekaert, Itzhak Ben-David, Marcello Bianchi, Lorenzo Bini-Smaghi, Claudio Borio, Franziska Bremus, Marina Brogi, Claudia M. Buch, Giacomo Calzolari, Souphala Chomsisengphet, Luca Enriques, Douglas D. Evanoff, Ester Faia, Eilis Ferran, Jeffrey N. Gordon, Michael Haliassos, Campbell R. Harvey, Kathryn Judge, Suzanne Kalss, Valentina Lagasio, Katya Langenbucher, Christian T. Lundblad, Massimo Marchesi, Alexander Michaelides, Stefano Micossi, Emanuel Moench, Mario Nava, Giorgio Barba Navaretti, Giovanna Nicodano, Gianmarco Ottaviano, Marco Pagano, Monica Paiella, Lubos Pastor, Alain Pietrancosta, Richard Portes, Alberto Franco Pozzolo, Stephan Siegel, Wolfe-Georg Ringe, Diego Valiante

FinTech, Artificial Intelligence and the Law

Author : Alison Lui
Publisher : Routledge
ISBN 13 : 1000412660
Total Pages : 206 pages
Book Rating : 4.0/5 (4 download)

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Book Synopsis FinTech, Artificial Intelligence and the Law by : Alison Lui

Download or read book FinTech, Artificial Intelligence and the Law written by Alison Lui and published by Routledge. This book was released on 2021-07-29 with total page 206 pages. Available in PDF, EPUB and Kindle. Book excerpt: This collection critically explores the use of financial technology (FinTech) and artificial intelligence (AI) in the financial sector and discusses effective regulation and the prevention of crime. Focusing on crypto-assets, InsureTech and the digitisation of financial dispute resolution, the book examines the strategic and ethical aspects of incorporating AI into the financial sector. The volume adopts a comparative legal approach to: critically evaluate the strategic and ethical benefits and challenges of AI in the financial sector; critically analyse the role, values and challenges of FinTech in society; make recommendations on protecting vulnerable customers without restricting financial innovation; and to make recommendations on effective regulation and prevention of crime in these areas. The book will be of interest to teachers and students of banking and financial regulation related modules, researchers in computer science, corporate governance, and business and economics. It will also be a valuable resource for policy makers including government departments, law enforcement agencies, financial regulatory agencies, people employed within the financial services sector, and professional services such as law, and technology.

Networks of Control

Author : Wolfie Christl
Publisher :
ISBN 13 : 9783708914732
Total Pages : 165 pages
Book Rating : 4.9/5 (147 download)

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Book Synopsis Networks of Control by : Wolfie Christl

Download or read book Networks of Control written by Wolfie Christl and published by . This book was released on 2016-09-29 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Loss Models

Author : Stuart A. Klugman
Publisher : John Wiley & Sons
ISBN 13 : 0470391332
Total Pages : 758 pages
Book Rating : 4.4/5 (73 download)

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Book Synopsis Loss Models by : Stuart A. Klugman

Download or read book Loss Models written by Stuart A. Klugman and published by John Wiley & Sons. This book was released on 2012-01-25 with total page 758 pages. Available in PDF, EPUB and Kindle. Book excerpt: An update of one of the most trusted books on constructing and analyzing actuarial models Written by three renowned authorities in the actuarial field, Loss Models, Third Edition upholds the reputation for excellence that has made this book required reading for the Society of Actuaries (SOA) and Casualty Actuarial Society (CAS) qualification examinations. This update serves as a complete presentation of statistical methods for measuring risk and building models to measure loss in real-world events. This book maintains an approach to modeling and forecasting that utilizes tools related to risk theory, loss distributions, and survival models. Random variables, basic distributional quantities, the recursive method, and techniques for classifying and creating distributions are also discussed. Both parametric and non-parametric estimation methods are thoroughly covered along with advice for choosing an appropriate model. Features of the Third Edition include: Extended discussion of risk management and risk measures, including Tail-Value-at-Risk (TVaR) New sections on extreme value distributions and their estimation Inclusion of homogeneous, nonhomogeneous, and mixed Poisson processes Expanded coverage of copula models and their estimation Additional treatment of methods for constructing confidence regions when there is more than one parameter The book continues to distinguish itself by providing over 400 exercises that have appeared on previous SOA and CAS examinations. Intriguing examples from the fields of insurance and business are discussed throughout, and all data sets are available on the book's FTP site, along with programs that assist with conducting loss model analysis. Loss Models, Third Edition is an essential resource for students and aspiring actuaries who are preparing to take the SOA and CAS preliminary examinations. It is also a must-have reference for professional actuaries, graduate students in the actuarial field, and anyone who works with loss and risk models in their everyday work. To explore our additional offerings in actuarial exam preparation visit www.wiley.com/go/actuarialexamprep.

Data Analytics for Intelligent Transportation Systems

Author : Mashrur Chowdhury
Publisher : Elsevier
ISBN 13 : 0443138796
Total Pages : 572 pages
Book Rating : 4.4/5 (431 download)

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Book Synopsis Data Analytics for Intelligent Transportation Systems by : Mashrur Chowdhury

Download or read book Data Analytics for Intelligent Transportation Systems written by Mashrur Chowdhury and published by Elsevier. This book was released on 2024-11-02 with total page 572 pages. Available in PDF, EPUB and Kindle. Book excerpt: Data Analytics for Intelligent Transportation Systems provides in-depth coverage of data-enabled methods for analyzing intelligent transportation systems (ITS), including the tools needed to implement these methods using big data analytics and other computing techniques. The book examines the major characteristics of connected transportation systems, along with the fundamental concepts of how to analyze the data they produce. It explores collecting, archiving, processing, and distributing the data, designing data infrastructures, data management and delivery systems, and the required hardware and software technologies. It presents extensive coverage of existing and forthcoming intelligent transportation systems and data analytics technologies. All fundamentals/concepts presented in this book are explained in the context of ITS. Users will learn everything from the basics of different ITS data types and characteristics to how to evaluate alternative data analytics for different ITS applications. They will discover how to design effective data visualizations, tactics on the planning process, and how to evaluate alternative data analytics for different connected transportation applications, along with key safety and environmental applications for both commercial and passenger vehicles, data privacy and security issues, and the role of social media data in traffic planning. Data Analytics for Intelligent Transportation Systems will prepare an educated ITS workforce and tool builders to make the vision for safe, reliable, and environmentally sustainable intelligent transportation systems a reality. It serves as a primary or supplemental textbook for upper-level undergraduate and graduate ITS courses and a valuable reference for ITS practitioners. - Utilizes real ITS examples to facilitate a quicker grasp of materials presented - Contains contributors from both leading academic and commercial domains - Explains how to design effective data visualizations, tactics on the planning process, and how to evaluate alternative data analytics for different connected transportation applications - Includes exercise problems in each chapter to help readers apply and master the learned fundamentals, concepts, and techniques - New to the second edition: Two new chapters on Quantum Computing in Data Analytics and Society and Environment in ITS Data Analytics

Reliability and Statistics in Transportation and Communication

Author : Igor Kabashkin
Publisher : Springer
ISBN 13 : 3030124509
Total Pages : 823 pages
Book Rating : 4.0/5 (31 download)

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Book Synopsis Reliability and Statistics in Transportation and Communication by : Igor Kabashkin

Download or read book Reliability and Statistics in Transportation and Communication written by Igor Kabashkin and published by Springer. This book was released on 2019-03-09 with total page 823 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book reports on cutting-edge theories and methods for analyzing complex systems, such as transportation and communication networks and discusses multi-disciplinary approaches to dependability problems encountered when dealing with complex systems in practice. The book presents the most noteworthy methods and results discussed at the International Conference on Reliability and Statistics in Transportation and Communication (RelStat), which took place in Riga, Latvia on October 17 – 20, 2018. It spans a broad spectrum of topics, from mathematical models and design methodologies, to software engineering, data security and financial issues, as well as practical problems in technical systems, such as transportation and telecommunications, and in engineering education.

Winning the Oil Endgame

Author : Amory B. Lovins
Publisher : Earthscan
ISBN 13 : 9781844071944
Total Pages : 340 pages
Book Rating : 4.0/5 (719 download)

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Book Synopsis Winning the Oil Endgame by : Amory B. Lovins

Download or read book Winning the Oil Endgame written by Amory B. Lovins and published by Earthscan. This book was released on 2004 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: Enough about the oil problem. Here?s the solution.Over a few decades, starting now, a vibrant US economy (then others) can completely phase out oil. This will save a net $70 billion a year, revitalize key industries and rural America, create a million jobs, and enhance security.Here?s the roadmap ? independent, peer-reviewed, co-sponsored by the Pentagon ? for the transition beyond oil, led by business and profit.

Generalized Linear Models for Insurance Data

Author : Piet de Jong
Publisher : Cambridge University Press
ISBN 13 : 1139470477
Total Pages : 207 pages
Book Rating : 4.1/5 (394 download)

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Book Synopsis Generalized Linear Models for Insurance Data by : Piet de Jong

Download or read book Generalized Linear Models for Insurance Data written by Piet de Jong and published by Cambridge University Press. This book was released on 2008-02-28 with total page 207 pages. Available in PDF, EPUB and Kindle. Book excerpt: This is the only book actuaries need to understand generalized linear models (GLMs) for insurance applications. GLMs are used in the insurance industry to support critical decisions. Until now, no text has introduced GLMs in this context or addressed the problems specific to insurance data. Using insurance data sets, this practical, rigorous book treats GLMs, covers all standard exponential family distributions, extends the methodology to correlated data structures, and discusses recent developments which go beyond the GLM. The issues in the book are specific to insurance data, such as model selection in the presence of large data sets and the handling of varying exposure times. Exercises and data-based practicals help readers to consolidate their skills, with solutions and data sets given on the companion website. Although the book is package-independent, SAS code and output examples feature in an appendix and on the website. In addition, R code and output for all the examples are provided on the website.

Business Transformation Strategies

Author : Oswald A J Mascarenhas
Publisher : SAGE Publications
ISBN 13 : 813210501X
Total Pages : 681 pages
Book Rating : 4.1/5 (321 download)

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Book Synopsis Business Transformation Strategies by : Oswald A J Mascarenhas

Download or read book Business Transformation Strategies written by Oswald A J Mascarenhas and published by SAGE Publications. This book was released on 2011-02-14 with total page 681 pages. Available in PDF, EPUB and Kindle. Book excerpt: A resource for industry professionals and consultants, this book on corporate strategy lays down the theories and models for revitalizing companies in the face of global recession. It discusses cutting-edge concepts, constructs, paradigms, theories, models, and cases of corporate strategic leadership for bringing about transformation and innovation in companies. Each chapter in the book is appended with transformation exercises that further explicate the concepts.

Semiparametric Regression

Author : David Ruppert
Publisher : Cambridge University Press
ISBN 13 : 9780521785167
Total Pages : 410 pages
Book Rating : 4.7/5 (851 download)

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Book Synopsis Semiparametric Regression by : David Ruppert

Download or read book Semiparametric Regression written by David Ruppert and published by Cambridge University Press. This book was released on 2003-07-14 with total page 410 pages. Available in PDF, EPUB and Kindle. Book excerpt: Semiparametric regression is concerned with the flexible incorporation of non-linear functional relationships in regression analyses. Any application area that benefits from regression analysis can also benefit from semiparametric regression. Assuming only a basic familiarity with ordinary parametric regression, this user-friendly book explains the techniques and benefits of semiparametric regression in a concise and modular fashion. The authors make liberal use of graphics and examples plus case studies taken from environmental, financial, and other applications. They include practical advice on implementation and pointers to relevant software. The 2003 book is suitable as a textbook for students with little background in regression as well as a reference book for statistically oriented scientists such as biostatisticians, econometricians, quantitative social scientists, epidemiologists, with a good working knowledge of regression and the desire to begin using more flexible semiparametric models. Even experts on semiparametric regression should find something new here.

Ubiquitous Computing Fundamentals

Author : John Krumm
Publisher : CRC Press
ISBN 13 : 1420093614
Total Pages : 328 pages
Book Rating : 4.4/5 (2 download)

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Book Synopsis Ubiquitous Computing Fundamentals by : John Krumm

Download or read book Ubiquitous Computing Fundamentals written by John Krumm and published by CRC Press. This book was released on 2018-10-08 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: "...a must-read text that provides a historical lens to see how ubicomp has matured into a multidisciplinary endeavor. It will be an essential reference to researchers and those who want to learn more about this evolving field." -From the Foreword, Professor Gregory D. Abowd, Georgia Institute of Technology First introduced two decades ago, the term ubiquitous computing is now part of the common vernacular. Ubicomp, as it is commonly called, has grown not just quickly but broadly so as to encompass a wealth of concepts and technology that serves any number of purposes across all of human endeavor. While such growth is positive, the newest generation of ubicomp practitioners and researchers, isolated to specific tasks, are in danger of losing their sense of history and the broader perspective that has been so essential to the field’s creativity and brilliance. Under the guidance of John Krumm, an original ubicomp pioneer, Ubiquitous Computing Fundamentals brings together eleven ubiquitous computing trailblazers who each report on his or her area of expertise. Starting with a historical introduction, the book moves on to summarize a number of self-contained topics. Taking a decidedly human perspective, the book includes discussion on how to observe people in their natural environments and evaluate the critical points where ubiquitous computing technologies can improve their lives. Among a range of topics this book examines: How to build an infrastructure that supports ubiquitous computing applications Privacy protection in systems that connect personal devices and personal information Moving from the graphical to the ubiquitous computing user interface Techniques that are revolutionizing the way we determine a person’s location and understand other sensor measurements While we needn’t become expert in every sub-discipline of ubicomp, it is necessary that we appreciate all the perspectives that make up the field and understand how our work can influence and be influenced by those perspectives. This is important, if we are to encourage future generations to be as successfully innovative as the field’s originators.

Actuarial Modelling of Claim Counts

Author : Michel Denuit
Publisher : John Wiley & Sons
ISBN 13 : 9780470517413
Total Pages : 384 pages
Book Rating : 4.5/5 (174 download)

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Book Synopsis Actuarial Modelling of Claim Counts by : Michel Denuit

Download or read book Actuarial Modelling of Claim Counts written by Michel Denuit and published by John Wiley & Sons. This book was released on 2007-07-27 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt: There are a wide range of variables for actuaries to consider when calculating a motorist’s insurance premium, such as age, gender and type of vehicle. Further to these factors, motorists’ rates are subject to experience rating systems, including credibility mechanisms and Bonus Malus systems (BMSs). Actuarial Modelling of Claim Counts presents a comprehensive treatment of the various experience rating systems and their relationships with risk classification. The authors summarize the most recent developments in the field, presenting ratemaking systems, whilst taking into account exogenous information. The text: Offers the first self-contained, practical approach to a priori and a posteriori ratemaking in motor insurance. Discusses the issues of claim frequency and claim severity, multi-event systems, and the combinations of deductibles and BMSs. Introduces recent developments in actuarial science and exploits the generalised linear model and generalised linear mixed model to achieve risk classification. Presents credibility mechanisms as refinements of commercial BMSs. Provides practical applications with real data sets processed with SAS software. Actuarial Modelling of Claim Counts is essential reading for students in actuarial science, as well as practicing and academic actuaries. It is also ideally suited for professionals involved in the insurance industry, applied mathematicians, quantitative economists, financial engineers and statisticians.

Script Effects as the Hidden Drive of the Mind, Cognition, and Culture

Author : Hye K. Pae
Publisher : Springer Nature
ISBN 13 : 3030551520
Total Pages : 251 pages
Book Rating : 4.0/5 (35 download)

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Book Synopsis Script Effects as the Hidden Drive of the Mind, Cognition, and Culture by : Hye K. Pae

Download or read book Script Effects as the Hidden Drive of the Mind, Cognition, and Culture written by Hye K. Pae and published by Springer Nature. This book was released on 2020-10-14 with total page 251 pages. Available in PDF, EPUB and Kindle. Book excerpt: This open access volume reveals the hidden power of the script we read in and how it shapes and drives our minds, ways of thinking, and cultures. Expanding on the Linguistic Relativity Hypothesis (i.e., the idea that language affects the way we think), this volume proposes the “Script Relativity Hypothesis” (i.e., the idea that the script in which we read affects the way we think) by offering a unique perspective on the effect of script (alphabets, morphosyllabaries, or multi-scripts) on our attention, perception, and problem-solving. Once we become literate, fundamental changes occur in our brain circuitry to accommodate the new demand for resources. The powerful effects of literacy have been demonstrated by research on literate versus illiterate individuals, as well as cross-scriptal transfer, indicating that literate brain networks function differently, depending on the script being read. This book identifies the locus of differences between the Chinese, Japanese, and Koreans, and between the East and the West, as the neural underpinnings of literacy. To support the “Script Relativity Hypothesis”, it reviews a vast corpus of empirical studies, including anthropological accounts of human civilization, social psychology, cognitive psychology, neuropsychology, applied linguistics, second language studies, and cross-cultural communication. It also discusses the impact of reading from screens in the digital age, as well as the impact of bi-script or multi-script use, which is a growing trend around the globe. As a result, our minds, ways of thinking, and cultures are now growing closer together, not farther apart.

New Communication Approaches in the Digitalized World

Author : Mehmet Serdar Erciş
Publisher : Cambridge Scholars Publishing
ISBN 13 : 1527554228
Total Pages : 467 pages
Book Rating : 4.5/5 (275 download)

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Book Synopsis New Communication Approaches in the Digitalized World by : Mehmet Serdar Erciş

Download or read book New Communication Approaches in the Digitalized World written by Mehmet Serdar Erciş and published by Cambridge Scholars Publishing. This book was released on 2020-06-04 with total page 467 pages. Available in PDF, EPUB and Kindle. Book excerpt: The collection of essays reviews, explores and reports on the state of the digitalized world and a number of communication issues. It is a readable, non-technical publication which offers a comprehensive presentation of communication issues, trends, data, and likely future developments in the digitalized world.

Converging Technologies for Improving Human Performance

Author : William Sims Bainbridge
Publisher : Springer
ISBN 13 : 9789401703604
Total Pages : 468 pages
Book Rating : 4.7/5 (36 download)

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Book Synopsis Converging Technologies for Improving Human Performance by : William Sims Bainbridge

Download or read book Converging Technologies for Improving Human Performance written by William Sims Bainbridge and published by Springer. This book was released on 2014-03-14 with total page 468 pages. Available in PDF, EPUB and Kindle. Book excerpt: M. C. Roco and W.S. Bainbridge In the early decades of the 21st century, concentrated efforts can unify science based on the unity of nature, thereby advancing the combination of nanotechnology, biotechnology, information technology, and new technologies based in cognitive science. With proper attention to ethical issues and societal needs, converging in human abilities, societal technologies could achieve a tremendous improvement outcomes, the nation's productivity, and the quality of life. This is a broad, cross cutting, emerging and timely opportunity of interest to individuals, society and humanity in the long term. The phrase "convergent technologies" refers to the synergistic combination of four major "NBIC" (nano-bio-info-cogno) provinces of science and technology, each of which is currently progressing at a rapid rate: (a) nanoscience and nanotechnology; (b) biotechnology and biomedicine, including genetic engineering; (c) information technology, including advanced computing and communications; (d) cognitive science, including cognitive neuroscience. Timely and Broad Opportunity. Convergence of diverse technologies is based on material unity at the nanoscale and on technology integration from that scale.

Boosting

Author : Robert E. Schapire
Publisher : MIT Press
ISBN 13 : 0262526034
Total Pages : 544 pages
Book Rating : 4.2/5 (625 download)

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Book Synopsis Boosting by : Robert E. Schapire

Download or read book Boosting written by Robert E. Schapire and published by MIT Press. This book was released on 2014-01-10 with total page 544 pages. Available in PDF, EPUB and Kindle. Book excerpt: An accessible introduction and essential reference for an approach to machine learning that creates highly accurate prediction rules by combining many weak and inaccurate ones. Boosting is an approach to machine learning based on the idea of creating a highly accurate predictor by combining many weak and inaccurate “rules of thumb.” A remarkably rich theory has evolved around boosting, with connections to a range of topics, including statistics, game theory, convex optimization, and information geometry. Boosting algorithms have also enjoyed practical success in such fields as biology, vision, and speech processing. At various times in its history, boosting has been perceived as mysterious, controversial, even paradoxical. This book, written by the inventors of the method, brings together, organizes, simplifies, and substantially extends two decades of research on boosting, presenting both theory and applications in a way that is accessible to readers from diverse backgrounds while also providing an authoritative reference for advanced researchers. With its introductory treatment of all material and its inclusion of exercises in every chapter, the book is appropriate for course use as well. The book begins with a general introduction to machine learning algorithms and their analysis; then explores the core theory of boosting, especially its ability to generalize; examines some of the myriad other theoretical viewpoints that help to explain and understand boosting; provides practical extensions of boosting for more complex learning problems; and finally presents a number of advanced theoretical topics. Numerous applications and practical illustrations are offered throughout.