Cost-sensitive multi-class adaboost for understanding driving behavior based on telematics

<?xml version="1.0" encoding="UTF-8"?><modsCollection xmlns="http://www.loc.gov/mods/v3" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/mods/v3 http://www.loc.gov/standards/mods/v3/mods-3-8.xsd">
<mods version="3.8">
<titleInfo>
<title>Cost-sensitive multi-class adaboost for understanding driving behavior based on telematics</title>
</titleInfo>
<name type="personal" usage="primary" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20210033834">
<namePart>So, Banghee</namePart>
<nameIdentifier>MAPA20210033834</nameIdentifier>
</name>
<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080297572">
<namePart>Boucher, Jean-Philippe</namePart>
<nameIdentifier>MAPA20080297572</nameIdentifier>
</name>
<name type="personal" xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080648428">
<namePart>Valdez, Emiliano A.</namePart>
<nameIdentifier>MAPA20080648428</nameIdentifier>
</name>
<typeOfResource>text</typeOfResource>
<genre authority="marcgt">periodical</genre>
<originInfo>
<place>
<placeTerm type="code" authority="marccountry">esp</placeTerm>
</place>
<dateIssued encoding="marc">2021</dateIssued>
<issuance>serial</issuance>
</originInfo>
<language>
<languageTerm type="code" authority="iso639-2b">spa</languageTerm>
</language>
<physicalDescription>
<form authority="marcform">print</form>
</physicalDescription>
<abstract displayLabel="Summary">Using telematics technology, insurers are able to capture a wide range of data to better decode driver behavior, such as distance traveled and how drivers brake, accelerate, or make turns. Such additional information also helps insurers improve risk assessments for usage-based insurance, a recent industry innovation. In this article, we explore the integration of telematics information into a classification model to determine driver heterogeneity. For motor insurance during a policy year, we typically observe a large proportion of drivers with zero accidents, a lower proportion with exactly one accident, and a far lower proportion with two or more accidents. We here introduce a cost-sensitive multi-class adaptive boosting (AdaBoost) algorithm we call SAMME.C2 to handle such class imbalances. We calibrate the algorithm using empirical data collected from a telematics program in Canada and demonstrate an improved assessment of driving behavior using telematics compared with traditional risk variables. Using suitable performance metrics, we show that our algorithm outperforms other learning models designed to handle class imbalances.</abstract>
<note type="statement of responsibility">Banghee So, Jean-Philippe Boucher, Emiliano A. Valdez</note>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080616106">
<topic>Cálculo de probabilidades</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080553715">
<topic>Conducción</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080563639">
<topic>Pago por uso</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080556730">
<topic>Telemática</topic>
</subject>
<classification authority="">322</classification>
<relatedItem type="host">
<titleInfo>
<title>Astin bulletin</title>
</titleInfo>
<originInfo>
<publisher>Belgium : ASTIN and AFIR Sections of the International Actuarial Association</publisher>
</originInfo>
<identifier type="issn">0515-0361</identifier>
<identifier type="local">MAP20077000420</identifier>
<part>
<text>13/09/2021 Volumen 51 Número 3 - septiembre 2021 , P. 719-751</text>
</part>
</relatedItem>
<recordInfo>
<recordContentSource authority="marcorg">MAP</recordContentSource>
<recordCreationDate encoding="marc">211019</recordCreationDate>
<recordChangeDate encoding="iso8601">20211019090733.0</recordChangeDate>
<recordIdentifier source="MAP">MAP20210029998</recordIdentifier>
<languageOfCataloging>
<languageTerm type="code" authority="iso639-2b">spa</languageTerm>
</languageOfCataloging>
</recordInfo>
</mods>
</modsCollection>