Beibei Li

Xiang Fang, Wanlong Fang, Changshuo Wang et al.

Given some video-query pairs with untrimmed videos and sentence queries, temporal sentence grounding (TSG) aims to locate query-relevant segments in these videos. Although previous respectable TSG methods have achieved remarkable success, they train each video-query pair separately and ignore the relationship between different pairs. We observe that the similar video/query content not only helps the TSG model better understand and generalize the cross-modal representation but also assists the model in locating some complex video-query pairs. Previous methods follow a single-thread framework that cannot co-train different pairs and usually spends much time re-obtaining redundant knowledge, limiting their real-world applications. To this end, in this paper, we pose a brand-new setting: Multi-Pair TSG, which aims to co-train these pairs. In particular, we propose a novel video-query co-training approach, Multi-Thread Knowledge Transfer Network, to locate a variety of video-query pairs effectively and efficiently. Firstly, we mine the spatial and temporal semantics across different queries to cooperate with each other. To learn intra- and inter-modal representations simultaneously, we design a cross-modal contrast module to explore the semantic consistency by a self-supervised strategy. To fully align visual and textual representations between different pairs, we design a prototype alignment strategy to 1) match object prototypes and phrase prototypes for spatial alignment, and 2) align activity prototypes and sentence prototypes for temporal alignment. Finally, we develop an adaptive negative selection module to adaptively generate a threshold for cross-modal matching. Extensive experiments show the effectiveness and efficiency of our proposed method.

Xiyang Hu, Yan Huang, Beibei Li et al.

FinTech lending (e.g., micro-lending) has played a significant role in facilitating financial inclusion. It has reduced processing times and costs, enhanced the user experience, and made it possible for people to obtain loans who may not have qualified for credit from traditional lenders. However, there are concerns about the potentially biased algorithmic decision-making during loan screening. Machine learning algorithms used to evaluate credit quality can be influenced by representation bias in the training data, as we only have access to the default outcome labels of approved loan applications, for which the borrowers' socioeconomic characteristics are better than those of rejected ones. In this case, the model trained on the labeled data performs well on the historically approved population, but does not generalize well to borrowers of low socioeconomic background. In this paper, we investigate the problem of representation bias in loan screening for a real-world FinTech lending platform. We propose a new Transformer-based sequential loan screening model with self-supervised contrastive learning and domain adaptation to tackle this challenging issue. We use contrastive learning to train our feature extractor on unapproved (unlabeled) loan applications and use domain adaptation to generalize the performance of our label predictor. We demonstrate the effectiveness of our model through extensive experimentation in the real-world micro-lending setting. Our results show that our model significantly promotes the inclusiveness of funding decisions, while also improving loan screening accuracy and profit by 7.10% and 8.95%, respectively. We also show that incorporating the test data into contrastive learning and domain adaptation and labeling a small ratio of test data can further boost model performance.

Anindya Ghose, Xitong Guo, Beibei Li et al.

With today's technological advancements, mobile phones and wearable devices have become extensions of an increasingly diffused and smart digital infrastructure. In this paper, we examine mobile health (mHealth) platforms and their health and economic impacts on the outcomes of chronic disease patients. We partnered with a major mHealth firm that provides one of the largest mHealth apps in Asia specializing in diabetes care. We designed a randomized field experiment based on detailed patient health activities (e.g., exercises, sleep, food intake) and blood glucose values from 1,070 diabetes patients over several months. We find the adoption of the mHealth app leads to an improvement in health behavior, which leads to both short term metrics (reduction in patients' blood glucose and glycated hemoglobin levels) and longer-term metrics (hospital visits and medical expenses). Patients who adopted the mHealth app undertook more exercise, consumed healthier food, walked more steps and slept for longer times. They also were more likely to substitute offline visits with telehealth. A comparison of mobile vs. PC version of the same app demonstrates that mobile has a stronger effect than PC in helping patients make these behavioral modifications with respect to diet, exercise and lifestyle, which leads to an improvement in their healthcare outcomes. We also compared outcomes when the platform facilitates personalized health reminders to patients vs. generic reminders. Surprisingly, we find personalized mobile messages with patient-specific guidance can have an inadvertent (smaller) effect on patient app engagement and lifestyle changes, leading to a lower health improvement. However, they are more like to encourage a substitution of offline visits by telehealth. Overall, our findings indicate the massive potential of mHealth technologies and platform design in achieving better healthcare outcomes.

Tianshi Li, Camille Cobb, Jackie et al.

Smartphone-based contact-tracing apps are a promising solution to help scale up the conventional contact-tracing process. However, low adoption rates have become a major issue that prevents these apps from achieving their full potential. In this paper, we present a national-scale survey experiment ($N = 1963$) in the U.S. to investigate the effects of app design choices and individual differences on COVID-19 contact-tracing app adoption intentions. We found that individual differences such as prosocialness, COVID-19 risk perceptions, general privacy concerns, technology readiness, and demographic factors played a more important role than app design choices such as decentralized design vs. centralized design, location use, app providers, and the presentation of security risks. Certain app designs could exacerbate the different preferences in different sub-populations which may lead to an inequality of acceptance to certain app design choices (e.g., developed by state health authorities vs. a large tech company) among different groups of people (e.g., people living in rural areas vs. people living in urban areas). Our mediation analysis showed that one's perception of the public health benefits offered by the app and the adoption willingness of other people had a larger effect in explaining the observed effects of app design choices and individual differences than one's perception of the app's security and privacy risks. With these findings, we discuss practical implications on the design, marketing, and deployment of COVID-19 contact-tracing apps in the U.S.