A Human-Centric Approach to Group-Based Context-Awareness

The emerging need for qualitative approaches in context-aware information processing calls for proper modeling of context information and efficient handling of its inherent uncertainty resulted from human interpretation and usage. Many of the current approaches to context-awareness either lack a solid theoretical basis for modeling or ignore important requirements such as modularity, high-order uncertainty management and group-based context-awareness. Therefore, their real-world application and extendability remains limited. In this paper, we present f-Context as a service-based context-awareness framework, based on language-action perspective (LAP) theory for modeling. Then we identify some of the complex, informational parts of context which contain high-order uncertainties due to differences between members of the group in defining them. An agent-based perceptual computer architecture is proposed for implementing f-Context that uses computing with words (CWW) for handling uncertainty. The feasibility of f-Context is analyzed using a realistic scenario involving a group of mobile users. We believe that the proposed approach can open the door to future research on context-awareness by offering a theoretical foundation based on human communication, and a service-based layered architecture which exploits CWW for context-aware, group-based and platform-independent access to information systems

The use of data-mining for the automatic formation of tactics

This paper discusses the usse of data-mining for the automatic formation of tactics. It was presented at the Workshop on Computer-Supported Mathematical Theory Development held at IJCAR in 2004. The aim of this project is to evaluate the applicability of data-mining techniques to the automatic formation of tactics from large corpuses of proofs. We data-mine information from large proof corpuses to find commonly occurring patterns. These patterns are then evolved into tactics using genetic programming techniques

Innovations in rural and agriculture finance

Most rural households lack access to reliable and affordable finance for agriculture and other livelihood activities. Many small farmers live in remote areas where retail banking is limited and production risks are high. The recent financial crisis has made the provision of credit even tighter and the need to explore innovative approaches to rural and agricultural finance even more urgent. This set of 14 briefs clearly points out the importance of business realities faced by small farmers, including low education levels, the dominance of subsistence farming, and the lack of access to modern financial instruments. These conditions mean that new and innovative institutions are required to reach small farmers. Emerging communication technologies provide new opportunities for rural banking by reducing business costs and alleviating information asymmetries. New financing instruments, such as weather index-based insurance and microinsurance, also have great potential for managing the risks faced by small farmers. In addition, bundling financial services with nonfinancial services like marketing and extension services offers new opportunities for small farmers to increase their productivity and incomes. Finally, an enabling policy environment and legal framework, enforcement of rules and regulations, and a supportive rural infrastructure all contribute immensely to making sustainable access to finance a reality. Table of Contents: •Innovations in rural and agriculture finance: Overview by Renate Kloeppinger-Todd and Manohar Sharma •Financial literacy by Monique Cohen •Community-based financial organizations: Access to Finance for the Poorest by Anne Ritchie •Rural banking in Africa: The Rabobank approach by Gerard van Empel •Rural banking: The case of rural and community banks in Ghana by Ajai Nair and Azeb Fissha •Rural leasing: An alternative to loans in financing income-producing assets by Ajai Nair •Determinants of microcredit repayment in federations of Indian self-help groups by Yanyan Liu and Klaus Deininger •M-PESA: Finding new ways to serve the unbanked in Kenya by Susie Lonie •Biometric technology in rural credit markets: The case of Malawi by Xavier Giné •Credit risk management in financing agriculture by Mark D. Wenner •New approaches for index insurance: ENSO insurance in Peru by Jerry R. Skees and Benjamin Collier •Microinsurance innovations in rural finance by Martina Wiedmaier-Pfister and Brigitte Klein •Combining extension services with agricultural credit: The experience of BASIX India by Vijay Mahajan and K. Vasumathi •Bundling development services with agricultural finance: The experience of DrumNet by Jonathan Campaigne and Tom RauschAgricultural innovations -- Developing countries, agriculture finance, Financial crisis, microinsurance, Poverty reduction, rural banking, Rural finance, Rural households, Small farmers,

Holistically Evaluating Agent Based Social System Models

The philosophical perspectives on model evaluation can be broadly classified into reductionist/logical positivist and relativist/holistic. In this paper, we outline some of our past efforts in, and challenges faced during, evaluating models of social systems with cognitively detailed agents. Owing to richness in the model, we argue that the holistic approach and consequent continuous improvement are essential to evaluating complex social system models such as these. A social system built primarily of cognitively detailed agents can provide multiple levels of correspondence, both at observable and abstract aggregated levels. Such a system can also pose several challenges, including large feature spaces, issues in information elicitation with database, experts and news feeds, counterfactuals, fragmented theoretical base, and limited funding for validation. We subscribe to the view that no model can faithfully represent reality, but detailed, descriptive models are useful in learning about the system and bringing about a qualitative jump in understanding of the system it attempts to model – provided they are properly validated. Our own approach to model evaluation is to consider the entire life cycle and assess the validity under two broad dimensions of (1) internally focused validity/quality achieved through structural, methodological, and ontological evaluations; and (2) external validity consisting of micro validity, macro validity, and qualitative, causal and narrative validity. In this paper, we also elaborate on selected validation techniques that we have employed in the past. We recommend a triangulation of multiple validation techniques, including methodological soundness, qualitative validation techniques, such as face validation by experts and narrative validation, and formal validation tests, including correspondence testing

Efficient systems for the securities transaction industry : a framework for the European Union

This paper provides a framework for the securities transaction industry in the EU to understand the functions performed, the institutions involved and the parameters concerned that shape market and ownership structure. Of particular interest are microeconomic incentives of the industry players that can be in contradiction to social welfare. We evaluate the three functions and the strategic parameters - the boundary decision, the communication standard employed and the governance implemented - along the lines of three efficiency concepts. By structuring the main factors that influence these concepts and by describing the underlying trade-offs among them, we provide insight into a highly complex industry. Applying our framework, the paper describes and analyzes three consistent systems for the securities transaction industry. We point out that one of the systems, denoted as 'contestable monopolies', demonstrates a superior overall efficiency while it might be the most sensitive in terms of configuration accuracy and thus difficult to achieve and sustain