• A Modified Hidden Markov Model for Predicting Cardholder Purchasing Patterns Across Multichannel Transactions with Explainability 

  Okoth, Jeremiah Otieno (COPAS- JKUAT, 2026-03-18)

  One of the biggest challenges in the card payments industry is figuring out the purchasing intent of cardholders and key transaction drivers. Prior studies have mostly focused on e-commerce, credit card transactions, and ...
• Hidden Markov Model for Cardholder Purchasing Pattern Prediction 

  Okoth, Jeremiah Otieno, (COPAS- JKUAT, 2026-03-18)

  Abstract—This study utilizes the Hidden Markov Model to predict cardholder purchasing patterns by monitoring card transaction trends and profiling cardholders based on dominant transactional motivations across four ...
• A Modified Hidden Markov Model for Predicting Cardholder Purchasing Patterns Across Multichannel Transactions with Explainability 

  Okoth, Jeremiah Otieno (COPAS- JKUAT, 2026-03-18)

  One of the biggest challenges in the card payments industry is figuring out the purchasing intent of cardholders and key transaction drivers. Prior studies have mostly focused on e-commerce, credit card transactions, and ...
• Contractor-Related Factors on Performance of Bridge Construction Projects in Kenya: Case Study of Kenya National Highways Authority 

  Anyika, Joan Otike (COETEC - JKUAT, 2026-03-11)

  Bridge construction projects face more challenges in their implementation compared to road and building projects. This is due to their complexity and iterative nature of implementation. There is global evidence showing ...
• Genetic Relationships among Antibiotic-Resistant Escherichia Coli from Households in Kibera, Nairobi County, Kenya 

  Kikwai, Gilbert Kipkorir (COHES - JKUAT, 2026-03-11)

  Drug-resistant bacteria kill hundreds of thousands of people every year. In 2019, an estimated 1.3 million deaths globally were attributable to bacterial antimicrobial resistance (AMR). The resistance genes in bacteria ...

View more