“…In advertising (Charles et al, 2013;Kallus and Udell, 2016;Schnabel et al, 2016;Farias and Li, 2019;Bastani, 2020), using the recorded clientele information, the retailer can send more targeted product promotions-either in mail or online-to different existing and potential customers. In news recommendation (Li et al, 2010(Li et al, , 2011Zeng et al, 2016;Karimi et al, 2018;Schnabel et al, 2019;Lee et al, 2020;Schnabel et al, 2020), the content provider may stream different news articles and/or media content to users with different digital footprints and perceived interests. In online education (Mandel et al, 2014;Lan and Baraniuk, 2016;Hoiles and Schaar, 2016;Bassen et al, 2020), an institution may want to offer different education plans to different students based on their varied learning styles (visual learner v.s.…”