Abstract:The European debt purchase market as measured by the total book value of purchased debt approached 25bn euros in 2020 and it was growing at double-digit rates. This is an example of how big the debt collection and debt purchase industry has grown and the important impact it has in the financial sector. However, in order to ensure an adequate return during the debt collection process, a good estimation of the propensity to pay and/or the expected cashflow is crucial. These estimations can be employed, for instance, to create different strategies during the amicable collection to maximize quality standards and revenues. And not only that, but also to prioritize the cases in which a legal process is necessary when debtors are unreachable for an amicable negotiation. This work offers a solution for these estimations. Specifically, a new machine learning modelling pipeline is presented showing how outperforms current strategies employed in the sector. The solution contains a pre-processing pipeline and a model selector based on the best model calibration. Performance is validated with real historical data of the debt industry.
Abstract:The present paper aims at analyzing the topological content of the complex trajectories that weeder-autonomous robots follow in operation. We will prove that the topological descriptors of these trajectories are affected by the robot environment as well as by the robot state, with respect to maintenance operations. Topological Data Analysis will be used for extracting the trajectory descriptors, based on homology persistence. Then, appropriate metrics will be applied in order to compare that topological representation of the trajectories, for classifying them or for making efficient pattern recognition.
Abstract:The concept of Hybrid Twin (HT) has recently received a growing interest thanks to the availability of powerful machine learning techniques. This twin concept combines physics-based models within a model-order reduction framework-to obtain real-time feedback rates-and data science. Thus, the main idea of the HT is to develop on-the-fly data-driven models to correct possible deviations between measurements and physics-based model predictions. This paper is focused on the computation of stable, fast and accurate corrections in the Hybrid Twin framework. Furthermore, regarding the delicate and important problem of stability, a new approach is proposed, introducing several sub-variants and guaranteeing a low computational cost as well as the achievement of a stable time-integration.