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Using Machine Learning to Catch Bogus Firms 利用机器学习抓住骗子公司
Pub Date : 2024-07-23 DOI: 10.1145/3676188
Aprajit Mahajan, Shekhar Mittal, Ofir Reich, Taha Barwahwala
We investigate the use of a machine learning (ML) algorithm to identify fraudulent non-existent firms that are used for tax evasion. Using a rich dataset of tax returns in an Indian state over several years, we train an ML-based model to predict fraudulent firms. We then use the model predictions to carry out field inspections of firms identified as suspicious by the ML tool. We find that the ML model is accurate in both simulated and field settings in identifying non-existent firms. Withholding a randomly selected group of firms from inspection, we estimate the causal impact of ML driven inspections. Despite the strong predictive performance, our model driven inspections do not yield a significant increase in enforcement as evidenced by the cancellation of fraudulent firm registrations and tax recovery. We provide two explanations for this discrepancy based on a close analysis of the tax department’s operating protocols: overfitting to proxy-labels, and institutional friction in integrating the model into existing administrative systems. Our study serves as a cautionary tale for the application of machine learning in public policy contexts and of relying solely on test set performance as an effectiveness indicator. Field evaluations are critical in assessing the real-world impact of predictive models.
我们研究了如何利用机器学习(ML)算法来识别用于逃税的不存在的欺诈性公司。利用印度某邦数年来丰富的纳税申报数据集,我们训练了一个基于 ML 的模型来预测欺诈性公司。然后,我们利用模型预测结果,对 ML 工具识别出的可疑公司进行实地检查。我们发现,无论是在模拟环境中还是在实地环境中,ML 模型都能准确识别不存在的公司。在不对随机抽取的一组企业进行检查的情况下,我们估算了 ML 驱动检查的因果影响。尽管具有很强的预测性能,但我们的模型驱动检查并没有显著提高执法力度,虚假企业注册的注销和税款的追缴都证明了这一点。基于对税务部门操作规程的仔细分析,我们对这一差异提供了两种解释:对代理标签的过度拟合,以及将模型整合到现有管理系统中的制度摩擦。我们的研究为机器学习在公共政策环境中的应用以及单纯依赖测试集性能作为有效性指标提供了警示。实地评估对于评估预测模型在现实世界中的影响至关重要。
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引用次数: 0
Connecting in Crisis: Investigating Equitable Community Internet Access in the US During the COVID-19 Pandemic 危机中的连接:调查 COVID-19 大流行期间美国公平的社区互联网接入情况
Pub Date : 2024-07-11 DOI: 10.1145/3677326
Nora Mcdonald, Lydia Stamato, Foad Hamidi
Although internet access and affordability are increasingly at the center of policy decisions around issues of the “digital divide” in the US, the complex nature of usage as it relates to structural inequality is not well-understood. We partnered with Project Waves, a community internet provider, to set up connectivity across the urban landscape of a city in the Eastern United States to study factors that impact the rollout of affordable broadband internet connectivity to low-income communities during the COVID-19 pandemic. The organization endeavored to meet structural challenges, provide community support for adoption, and stave off attendant privacy concerns. We present three dimensions of equitable use prioritized by the community internet provider: safety from COVID-19 through social distancing enabled by remote access, trusted connectivity, and private internet access. We use employee interviews and a phone survey of internet recipients to investigate how the provider prioritized these dimensions and who uses their service.
尽管在美国,互联网接入和可负担性日益成为围绕 "数字鸿沟 "问题的政策决策的核心,但人们对互联网使用与结构性不平等之间的复杂关系还不甚了解。我们与社区互联网提供商 Project Waves 合作,在美国东部的一个城市建立了连接,以研究在 COVID-19 大流行期间向低收入社区推广负担得起的宽带互联网连接的影响因素。该组织努力应对结构性挑战,为采用宽带提供社区支持,并避免随之而来的隐私问题。我们介绍了该社区互联网提供商优先考虑的公平使用的三个方面:通过远程访问实现的社会隔离来避免 COVID-19、可信连接和私人互联网访问。我们通过员工访谈和对互联网接收者的电话调查,调查了提供商如何优先考虑这些方面以及谁在使用他们的服务。
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引用次数: 0
Zero-configuration Alarms: Towards Reducing Distracting Smartphone Interactions while Driving 零配置警报:减少驾驶时智能手机的分心互动
Pub Date : 2024-07-11 DOI: 10.1145/3675159
Sugandh Pargal, Neha Dalmia, Harshal R. Borse, Bivas Mitra, Sandip Chakraborty
The rising ubiquity of smartphones for navigation, driver mode, etc., has increased their use significantly among drivers; however, there are growing numbers of road fatalities being reported due to distractions from the phone while driving. In contrast to the existing solutions that use a camera or other communication media on the car or need external setups, this paper proposes a solution called ZeCA , where the smartphone itself can identify in real-time with zero pre-configurations whether its user is driving while engaging in a high-distraction interaction with the phone. ZeCA runs as a smartphone background service and generates audio-visual alerts when the phone can distract the driver. A thorough evaluation and usability study of ZeCA with 50 different models of vehicles driven by 70 drivers over 5 countries indicates that the proposed solution can infer distracting smartphone interactions with (gt 80% ) accuracy and a (70% ) reduction in smartphone usage during driving.
随着智能手机在导航、驾驶模式等方面的普及,驾驶员对智能手机的使用大幅增加;然而,由于驾驶时分心使用手机而导致的道路死亡事故也越来越多。与使用汽车上的摄像头或其他通信介质或需要外部设置的现有解决方案相比,本文提出了一种名为 ZeCA 的解决方案,即智能手机本身可以在零预配置的情况下实时识别用户是否在驾驶时与手机进行高分心互动。ZeCA 以智能手机后台服务的形式运行,当手机可能分散驾驶员注意力时会发出视听警报。对ZeCA的全面评估和可用性研究表明,所提出的解决方案可以准确推断出分心的智能手机交互,并减少驾驶过程中的智能手机使用。
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引用次数: 0
Speaking in Terms of Money: Financial Knowledge Acquisition via Speech Data Generation 用金钱说话:通过语音数据生成获取金融知识
Pub Date : 2024-07-05 DOI: 10.1145/3663775
Advait Bhat, Nidhi Kulkarni, Safiya Husain, Aditya Yadavalli, Jivat Kaur, Anurag Shukla, Monali Shelar, Vivek Seshadri
Earning a living often leaves low-income individuals with little time for learning new skills, perpetuating a cycle where the need for immediate income restricts access to learning. In this study, we investigate if digital work, specifically speech data generation, can facilitate domain-specific knowledge acquisition. For the purposes of this study we focus on finance and banking. We conducted a two-week financial literacy program with low-income individuals (n=55) in Wagholi, a semi-urban area in Pune, India. Participants read aloud and recorded a nine-lesson financial curriculum, earning ₹2000 (≈ $24) for ≈ 90 minutes of voice-recording. By conducting pre- and post-tests, we found a significant increase in participants’ financial knowledge with a high effect size (cohen’s d = 1.32) and medium normalised score gain (hake’s g = 0.58). Fourteen follow-up interviews indicated the work was accessible and conveniently integrated into participants’ daily lives. Additionally, the program triggered attitude change among participants and community dialogue about critical financial concepts. Our results suggest that digital work can become an effective method for knowledge acquisition and should be tested at a larger scale.
为了生计,低收入者往往没有时间学习新技能,这就形成了一个恶性循环,即急需收入限制了学习机会。在本研究中,我们探讨了数字工作(特别是语音数据生成)能否促进特定领域知识的获取。在本研究中,我们重点关注金融和银行业。我们在印度浦那的一个半城市地区--瓦格霍利(Wagholi)为低收入者(人数=55)开展了一项为期两周的金融扫盲计划。参与者朗读并录制了九节金融课程,90 分钟的录音可赚取 2000 英镑(约合 24 美元)。通过进行前测和后测,我们发现参与者的金融知识有了显著提高,效果大小较高(cohen's d = 1.32),归一化得分收益中等(hake's g = 0.58)。14 次后续访谈表明,这项工作可以方便地融入参与者的日常生活。此外,该计划还引发了参与者的态度转变和有关重要财务概念的社区对话。我们的研究结果表明,数字作品可以成为获取知识的有效方法,并应在更大范围内进行测试。
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引用次数: 0
Net Loss: An econometric method to measure the impact of Internet shutdowns 净损失:衡量互联网关闭影响的计量经济学方法
Pub Date : 2024-04-17 DOI: 10.1145/3659466
A. Tagat, Amreesh Phokeer, Hanna Kreitem
The economic costs of Internet shutdowns are far-reaching and widespread, and span beyond the simple disruption to communication networks that are reliant on access to the Internet. Existing work on the impacts of the Internet shutdowns does not extensively exploit the fact that they can have adverse effects on the local economy in terms of output, employment, and investments. There is a lack of rigorous economic analysis of the impacts of shutdowns that can be more broadly applied to specific regions that account for variations in the intensity (or type) of shutdowns, as well as go beyond providing broad GDP cost estimates which may be misleading. This paper aims to bridge this gap by providing an econometric approach to estimate the impact of Internet shutdowns on GDP, employment, and foreign direct investment using panel data on 92 countries. We show that a point increase in the likelihood of an Internet shutdown was statistically significantly associated with a 15.6 percentage point reduction in the GDP per capita on average and every additional day of an Internet shutdown costs $86.58 per person on average.
互联网关闭造成的经济损失是深远而广泛的,不仅仅是对依赖于互联网接入的通信网络的简单破坏。现有关于互联网关闭影响的研究并没有广泛利用互联网关闭会在产出、就业和投资方面对当地经济产生不利影响这一事实。目前缺乏对互联网关闭影响的严谨经济分析,这些分析可以更广泛地应用于特定地区,并考虑到关闭强度(或类型)的变化,以及提供可能具有误导性的广义 GDP 成本估算。本文旨在利用 92 个国家的面板数据,提供一种计量经济学方法来估算互联网关闭对国内生产总值、就业和外国直接投资的影响,从而弥补这一差距。我们的研究表明,在统计上,互联网关闭的可能性每增加一个点,人均 GDP 就会平均减少 15.6 个百分点,而互联网每多关闭一天,人均成本就会增加 86.58 美元。
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引用次数: 0
Unveiling Social Anxiety: Analyzing Acoustic and Linguistic Traits in Impromptu Speech within a Controlled Study 揭开社交焦虑的面纱:在对照研究中分析即兴演讲的声音和语言特征
Pub Date : 2024-04-12 DOI: 10.1145/3657245
N. K. Sahu, Manjeet Yadav, H. Lone
Early detection and treatment of Social Anxiety Disorder (SAD) is crucial. However, current diagnostic methods have several drawbacks, including being time-consuming for clinical interviews, susceptible to emotional bias for self-reports, and inconclusive for physiological measures. Our research focuses on a digital approach using acoustic and linguistic features extracted from participants’ “speech” for diagnosing SAD. Our methodology involves identifying correlations between extracted features and SAD severity, selecting the effective features, and comparing classical machine learning and deep learning methods for predicting SAD. Our results demonstrate that both acoustic and linguistic features outperform deep learning approaches when considered individually. Logistic Regression proves effective for acoustic features, while Random Forest excels with linguistic features, achieving the highest accuracy of 85.71%. Our findings pave the way for non-intrusive SAD diagnosing that can be used conveniently anywhere, facilitating early detection.
及早发现和治疗社交焦虑症(SAD)至关重要。然而,目前的诊断方法有几个缺点,包括临床访谈耗时长,自我报告易受情绪偏差影响,生理测量不确定。我们的研究重点是利用从参与者 "讲话 "中提取的声学和语言特征来诊断 SAD 的数字化方法。我们的方法包括识别所提取特征与 SAD 严重程度之间的相关性,选择有效的特征,并比较经典的机器学习和深度学习方法来预测 SAD。我们的研究结果表明,如果单独考虑深度学习方法,声学特征和语言特征都优于深度学习方法。逻辑回归证明了声学特征的有效性,而随机森林则在语言特征方面表现出色,达到了 85.71% 的最高准确率。我们的研究结果为非侵入式 SAD 诊断铺平了道路,它可以方便地在任何地方使用,从而促进早期检测。
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引用次数: 0
Roles of Technology for Risk Communication and Community Engagement in Bangladesh during COVID-19 Pandemic COVID-19 大流行期间技术在孟加拉国风险交流和社区参与中的作用
Pub Date : 2024-02-20 DOI: 10.1145/3648433
Anik Sinha, Nova Ahmed, Sabbir Ahmed, Ifti Azad Abeer, Rahat Jahangir Rony, Anik Saha, Syeda Shabnam Khan, Shajnush Amir, Shabana Khan
The COVID-19 pandemic required handling a clear communication of risk and community engagement. A gap is noted in scholarly studies portraying strong community engagement for risk handling, particularly in resource constrained regions in HCI community. This study covers community engagement and its use of technology during COVID-19 through a qualitative study of Bangladesh. The study looks at marginalized communities who have struggled through the pandemic yet handled the difficult time through their effective problem solving, working together as a community when there was not enough support from authorities. It is a qualitative study during the pandemic consisting of 9 communities, presenting 58 participants (N=58, Female= 33, Male=23, Transgender =2) across four divisions of Bangladesh covering urban, semi urban, and rural regions. The study uncovers the challenges and close community structures. It also shows the enhanced and increased positive role of technology during the pandemic while referring to a few communities being digitally disconnected communities that could benefit from digital connectivity in the future through increased awareness and support.
COVID-19 大流行需要处理明确的风险沟通和社区参与。在人机交互领域,特别是在资源有限的地区,关于社区参与风险处理的学术研究存在空白。本研究通过对孟加拉国的定性研究,探讨了 COVID-19 期间的社区参与及其对技术的使用。该研究关注的是边缘化社区在大流行病中挣扎的情况,这些社区通过有效地解决问题,在得不到当局足够支持的情况下作为一个社区共同努力,渡过了难关。这是一项大流行病期间的定性研究,包括 9 个社区,58 名参与者(N=58,女性=33,男性=23,变性人=2),分布在孟加拉国的 4 个区,涵盖城市、半城市和农村地区。这项研究揭示了各种挑战和紧密的社区结构。研究还表明,在大流行病期间,技术的积极作用得到了加强和提高,同时也提到了少数几个与数字技术脱节的社区,这些社区今后可以通过提高意识和加强支持,从数字连接中受益。
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引用次数: 0
Implementing e-participation in Africa: What Roles can Public Officials Play? 在非洲实施电子参与:公职人员可以发挥什么作用?
Pub Date : 2024-02-19 DOI: 10.1145/3648438
P. Plantinga, N. Dlamini, Tanja Gordon
A key question in e-participation is what roles public officials can play to harness the benefits of emerging technologies and practices, mitigate potential harms and, ultimately, ensure more inclusive and effective public involvement in decision-making. This paper presents results from a desktop analysis of e-participation projects from the African continent to highlight the diversity of public official roles and associated skills and perspectives that would be relevant to e-participation implementation. The identified roles and activities range from legal specialists developing guidelines to comply with personal data protection legislation, and stakeholder managers designing models of collaboration with commons-based platforms; to communications officials learning how to moderate social media conversations, and technology developers exploring new ways of verifying online identity.
电子参与的一个关键问题是,公职人员可以发挥什么作用,以利用新兴技术和实践的益处,减少潜在危害,并最终确保公众更包容、更有效地参与决策。本文介绍了对非洲大陆电子参与项目的桌面分析结果,以突出公职人员角色的多样性以及与电子参与实施相关的技能和观点。所确定的角色和活动包括:法律专家制定遵守个人数据保护立法的准则,利益相关者管理者设计与基于公共平台的合作模式;通信官员学习如何调节社交媒体对话,技术开发人员探索验证在线身份的新方法。
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引用次数: 0
FrugalLight : Symmetry-Aware Cyclic Heterogeneous Intersection Control using Deep Reinforcement Learning with Model Compression, Distillation and Domain Knowledge FrugalLight:利用深度强化学习与模型压缩、蒸馏和领域知识实现对称感知循环异构交叉口控制
Pub Date : 2024-02-19 DOI: 10.1145/3648599
Sachin Kumar Chauhan, Rijurekha Sen
Developing countries need to better manage fast increasing traffic flows, owing to rapid urbanization. Else, increasing traffic congestion would increase fatalities due to reckless driving, as well as keep vehicular emissions and air pollution critically high in cities like New Delhi. State-of-the-art traffic signal control methods in developed countries, however, use expensive sensing, computation and communication resources. How far can control algorithms go, under resource constraints, is explored through the design and evaluation of FrugalLight (FL) in this paper. We also captured and processed a real traffic dataset at a busy intersection in New Delhi, India, using efficient techniques on low cost embedded devices. This dataset ( https://delhi-trafficdensity-dataset.github.io ) contains traffic density information at fine time granularity of one measurement every second, from all approaches of the intersection for 40 days. FrugalLight ( https://github.com/sachin-iitd/FrugalLight ) is evaluated on the collected traffic dataset from New Delhi and another open source traffic dataset from New York. FrugalLight matches the performance of state-of-the-art Convolutional Neural Network (CNN) based sensing and Deep Reinforcement Learning (DRL) based control algorithms, while utilizing resources less by an order of magnitude. We further explore improvements using a careful combination of knowledge distillation and domain knowledge based DRL model compression, with employing Model-Agnostic Meta-Learning to quickly adapt to traffic at new intersections. The collected real dataset and FrugalLight therefore opens up opportunities for resource efficient RL based intersection control design for the ML research community, where the controller should have limited carbon footprint. Such intelligent, green, intersection controllers can help reduce traffic congestion and associated vehicular emissions, even if compute and communication infrastructure is limited in low resource regions. This is a critical step towards achieving two of the United Nations Sustainable Development Goals (SDG), namely sustainable cities and communities and climate action.
发展中国家需要更好地管理因快速城市化而快速增长的交通流量。否则,日益严重的交通拥堵将增加因鲁莽驾驶导致的死亡人数,并使新德里等城市的汽车尾气排放和空气污染居高不下。然而,发达国家最先进的交通信号控制方法需要使用昂贵的传感、计算和通信资源。本文通过对 FrugalLight(FL)的设计和评估,探讨了在资源有限的情况下,控制算法能走多远。我们还利用低成本嵌入式设备上的高效技术,采集并处理了印度新德里一个繁忙十字路口的真实交通数据集。该数据集 ( https://delhi-trafficdensity-dataset.github.io ) 包含 40 天内该十字路口所有通道的交通密度信息,时间粒度为每秒一次测量。FrugalLight ( https://github.com/sachin-iitd/FrugalLight ) 在新德里收集的交通数据集和纽约的另一个开源交通数据集上进行了评估。FrugalLight 的性能与最先进的基于卷积神经网络(CNN)的传感算法和基于深度强化学习(DRL)的控制算法不相上下,而资源利用率却低了一个数量级。我们将知识提炼和基于领域知识的 DRL 模型压缩精心结合起来,进一步探索改进方法,并采用模型诊断元学习技术,以快速适应新交叉路口的交通状况。因此,收集到的真实数据集和 FrugalLight 为基于资源效率 RL 的交叉路口控制设计提供了机会,供 ML 研究界使用,其中控制器应具有有限的碳足迹。即使在资源匮乏的地区,计算和通信基础设施有限,这种智能、绿色的交叉口控制器也能帮助减少交通拥堵和相关的车辆排放。这是实现联合国可持续发展目标(SDG)中可持续城市和社区以及气候行动这两项目标的关键一步。
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引用次数: 0
EcoSketch: promoting sustainable design through iterative environmental assessment during early-stage product development 生态草图:在产品开发早期阶段通过迭代环境评估促进可持续设计
Pub Date : 2024-02-17 DOI: 10.1145/3648436
T. Chatty, Bryton L. Moeller, Ioana A. Pantelimon, Catherine D. Parnell, Tahsin M. Khan, Lise Laurin, Jeremy Faludi, Elizabeth L. Murnane
Sustainability has long been a topic of substantial interest the design and human-centered computing communities. With industries increasingly prioritizing climate targets, there is a growing demand for sustainable product design. This paper addresses this need through EcoSketch, a digital tool designed to democratize environmental impact assessments for product designers. Shifting typically retrospective evaluations to the early stages of product development, EcoSketch enables proactive consideration and adoption of sustainable alternatives. Unlike software tailored to environmental scientists, it minimizes the need for specialized training or extensive data inputs. We delve into the development and evaluation of EcoSketch, highlighting its unique features and usability strengths. The paper concludes by discussing design implications and proposing future research avenues to strengthen the intersection of human-computer interaction and sustainable product design, advancing progress on environmental challenges at the systems level.
长期以来,可持续发展一直是设计界和以人为本的计算界非常关注的话题。随着各行各业越来越重视气候目标,对可持续产品设计的需求也在不断增长。本文通过 EcoSketch 来满足这一需求,EcoSketch 是一种数字工具,旨在为产品设计师实现环境影响评估的民主化。EcoSketch 将通常的回顾性评估转移到了产品开发的早期阶段,使人们能够积极主动地考虑和采用可持续的替代方案。与专为环境科学家定制的软件不同,它最大限度地减少了对专业培训或大量数据输入的需求。我们深入探讨了 EcoSketch 的开发和评估,强调了它的独特功能和可用性优势。论文最后讨论了设计的意义,并提出了未来的研究途径,以加强人机交互和可持续产品设计之间的交叉,在系统层面推动应对环境挑战的进展。
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引用次数: 0
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