How a company today contributes to the environmental and social well-being of society is becoming a more important part of their business activities. Many large companies have an environmental, social and governance (ESG) policy which guides them on making their business activities contribute to environmental and social sustainability of the planet. But what about businesses […]

Scotiabank employs teams of cybersecurity specialists across its global operations and partners with a variety of external organizations to prevent and investigate any electronic attempts to gain access to the Bank’s data. At the same time, employees are continuously educated and expected to look for warning signs and efforts to infiltrate that data as well. […]

Libro Credit Union wants to improve the Owners’ (customers) financial experience engaging them actively through the institution’s initiatives. Therefore, Libro is dedicating efforts to objectively measure which initiatives have a greater impact on the owner’s engagement; so they can have better insights into their audiences and can ensure best-served owners with tailored initiatives. Our main […]

Individuals with limited or poor credit history are often unable to access credit from traditional sources such as banks. While some alternative lenders will provide credit to such individuals, these lenders typically lack reliable sources of information which can be used to accurately assess the risk that the loans they make will not be repaid, […]

The world we live in is ripe with symmetry. From the bilateral symmetry we see in humans to the symmetries which are used to describe fundamental particles in physics. Most modern machine learning methods however do not have an inherent modeling of symmetry in them. By developing algorithms which do have an explicit modeling of […]

This project is addressing the problem of portfolio optimization by using reinforcement learning, an area of machine learning that has recently attracted many researchers. Its advantages compared to the conventional models of portfolio optimization are coming from its ability in incorporating many features of the assets into the asset allocation problem without relying on the […]

Applying advances in ambient intelligence technologies, this research aims to design and develop a smart workplace to optimize not only physical comfort in employees but also participant happiness. Through ubiquitous monitoring of ambient factors and affective states a number of important research questions associated with designing and developing a smart workplace will be tackled. By […]

Community stewardship is an emerging paradigm in income generation activities for marginalized populations. Drawing on residents with lived experience, stewardship creates employment through utilizing local-residents as custodians in parks, plazas and other public spaces. In order to fully develop these opportunities a common curriculum needs to be developed. This training program will allow Downtown Eastside […]

Deep neural networks are effective at image classification and other types of predictive tasks, achieving higher accuracy than conventional machine learning methods. However, unlike these other methods, the predictions are less interpretable. While accuracy may be enough for applications where errors are not costly, for real world applications, we want to also know when the […]

Même si les compagnies d’assurances investissent des sommes considérables en publicité, il leur est souvent difficile, voire impossible, de répondre précisément et avec confiance à la question « Combien de nouvelles soumissions d’assurances par des clients potentiels sont générées grâce à ces investissements publicitaires ? » Pourtant, des données sur les efforts publicitaires et les […]

Small businesses account for 89.6% of the total private labour force in Canada and, despite the vital role they play in the Canadian economy, fewer than half of small businesses will survive 10 years. One of the most commonly cited causes of small business failure is the inability to raise capital to finance its operations. […]

Lending to various companies and individuals is a core business of banks. This lending activity comes with credit risk, namely the risk that some borrowers default and fail to make required payments. Estimating credit risk accurately is important for banks’ risk management. In this project, we analyze and model the dependence between loss frequency and […]