Cooperative Epistemic Multi-Agent Planning for Implicit Coordination

Epistemic planning can be used for decision making in multi-agent situations with distributed knowledge and capabilities. Recently, Dynamic Epistemic Logic (DEL) has been shown to provide a very natural and expressive framework for epistemic planning. We extend the DEL-based epistemic planning framework to include perspective shifts, allowing us to define new notions of sequential and conditional planning with implicit coordination. With these, it is possible to solve planning tasks with joint goals in a decentralized manner without the agents having to negotiate about and commit to a joint policy at plan time. First we define the central planning notions and sketch the implementation of a planning system built on those notions. Afterwards we provide some case studies in order to evaluate the planner empirically and to show that the concept is useful for multi-agent systems in practice.Comment: In Proceedings M4M9 2017, arXiv:1703.0173

Perfectly secure data aggregation via shifted projections

We study a general scenario where confidential information is distributed among a group of agents who wish to share it in such a way that the data becomes common knowledge among them but an eavesdropper intercepting their communications would be unable to obtain any of said data. The information is modelled as a deck of cards dealt among the agents, so that after the information is exchanged, all of the communicating agents must know the entire deal, but the eavesdropper must remain ignorant about who holds each card. Valentin Goranko and the author previously set up this scenario as the secure aggregation of distributed information problem and constructed weakly safe protocols, where given any card $c$, the eavesdropper does not know with certainty which agent holds $c$. Here we present a perfectly safe protocol, which does not alter the eavesdropper's perceived probability that any given agent holds $c$. In our protocol, one of the communicating agents holds a larger portion of the cards than the rest, but we show how for infinitely many values of $a$, the number of cards may be chosen so that each of the $m$ agents holds more than $a$ cards and less than $2m^2a$

Retail Banking in Hungary: A Foreign Affair?

Over the last decade, Hungary has experienced more foreign bank entry than any country in world, starting with foreign greenfield operations and then followed by the privatization of four of its largest banks to strategic foreign owners. Currently about two thirds of all banking assets in Hungary are foreign owned; the only major bank without a foreign owner is Országos Takarékpénztár és Kereskedelmi Bank (OTP). During a decade in which lending to households declined in real terms until recently and household deposits remained relatively steady at around 20% of GDP, OTP lost its monopoly in retail banking to foreign-owned banks. By the end of the decade, OTP held shares of just over 50% in both household deposit and credit markets. In the last half of the decade, foreign banks increased substantially their market shares and currently hold more than 40% of all household deposits and about 40% of all loans to households. In this paper, we identify the important role played by foreign greenfield operations in intermediation within the household sector, especially from 1997. We provide evidence that, once they take control of formerly state-owned banks, strategic foreign investors move aggressively into retail banking. As the decade came to a close, retail banking was a growth industry in Hungary and foreign-owned banks were actively participating in both markets. Foreign entry provided healthy competition to OTP and prodded this widely held domestically controlled bank to develop new products and better services for Hungarian households. Over the last half of the decade, bank cards have been introduced to Hungarian households and transactions using these cards have grown by a factor of more than five. Over half of the population uses bank cards twice a month on average, almost exclusively for cash withdrawals from their current accounts. By investing heavily in information technology and using its extensive branch network, OTP has become the market leader in this new, growing business with more than 40% of all ATMs and bank cards issued in Hungary and more than 70% of all bank card transactions. Our analysis of OTP's behavior indicates that domestically controlled banks with local expertise may have a significant role to play in retail banking in small, open transition (or emerging) economies.http://deepblue.lib.umich.edu/bitstream/2027.42/39740/3/wp356.pd

Bridging the Gap: Overcoming Barriers to Immigrant Financial Empowerment in Northwest Queens

Every day, immigrants in Northwest Queens struggle to find work, obtain legal status, and manage their finances. While immigrant consumers are an integral part of the New York City economy -- spending and saving money and paying taxes -- many face multiple barriers to financial empowerment. This means that many immigrants struggle to build the kind of wealth that could enable them to buy a home, pay for higher education, save for retirement, and lead to overall long-term economic stability and security. While many immigrant consumers do save money, many do not trust mainstream financial institutions because they do not provide linguistically or culturally competent services. Others are concerned about hidden or excessive fees. As a result many immigrant consumers utilize fringe financial services that tend to be predatory and exploitative

Special Libraries, March 1951

Volume 42, Issue 3https://scholarworks.sjsu.edu/sla_sl_1951/1002/thumbnail.jp

Symbolic Model Checking for Dynamic Epistemic Logic

Dynamic Epistemic Logic (DEL) can model complex information scenarios in a way that appeals to logicians. However, existing DEL implementations are ad-hoc, so we do not know how the framework really performs. For this purpose, we want to hook up with the best available model-checking and SAT techniques in computational logic. We do this by first providing a bridge: a new faithful representation of DEL models as so-called knowledge structures that allow for symbolic model checking. Next, we show that we can now solve well-known benchmark problems in epistemic scenarios much faster than with existing DEL methods. Finally, we show that our method is not just a matter of implementation, but that it raises significant issues about logical representation and update