Mortgage default prediction is always on the table for financial institutions. Banks are interested in provision planning, while regulators monitor systemic risk, which this sector may possess. This research is focused on predicting defaults on a one-year horizon using data from the Ukrainian...

This article identifies the two approaches to defining a book review. The first defines a book review as a text published in the 'Book Reviews' section of a journal. The second approach involves specifying criteria that a text must satisfy to qualify as a book review and assessing whether a...

Die Nutzung von Scannerdaten in der Verbraucherpreisstatistik hat viele Vorteile, bringt allerdings auch einige Herausforderungen mit sich. Eine der Herausforderungen ist die Klassifizierung der Artikel nach dem vom Verbraucherpreisindex verwendeten Klassifikationssystem COICOP. Aufgrund der...

This article identifies the two approaches to defining a book review. The first defines a book review as a text published in the 'Book Reviews' section of a journal. The second approach involves specifying criteria that a text must satisfy to qualify as a book review and assessing whether a...

Die Nutzung von Scannerdaten in der Verbraucherpreisstatistik hat viele Vorteile, bringt allerdings auch einige Herausforderungen mit sich. Eine der Herausforderungen ist die Klassifizierung der Artikel nach dem vom Verbraucherpreisindex verwendeten Klassifikationssystem COICOP. Aufgrund der...

Classifying household water-consumption behaviors is crucial for providing targeted suggestions for water-saving behaviors and enabling effective resource management and conservation. Although it is common knowledge that energy consumption is closely coupled with household water consumption, the...

In the past 30 years, as sponsors of defined benefit (DB) pension plans were facing more severe underfunding challenges, pension de-risking strategies have become prevalent for firms with DB plans to reduce pension-related risks. However, it remains unclear how pension de-risking activities...

Value driver trees (VDTs) are abstract, indicator‐based representations of a business model. Although they are conceptual models by nature, no systematic and unified approaches to their modeling exist to date. In fact, a heterogeneous understanding of their conception and methodological...

The rising prominence of blockchain technology has spurred researchers to delve deeper into its applications through the lens of organizational and management theories. Our thematic analysis of blockchain literature reveals examination across five key areas: economic, strategic, operational,...

This document is a comprehensive technical and scientific guidance on the application of Regulation (EC) No 1272/2008 on the classification, labelling and packaging of substances and mixtures10, hereafter referred to as CLP. CLP amended the Dangerous Substance Directive 67/548/EEC (DSD), the...

The increasing population and emerging business opportunities have led to a rise in consumer spending. Consequently, global credit card companies, including banks and financial institutions, face the challenge of managing the associated credit risks. It is crucial for these institutions to...

Time-series forecasting is essential for system analysis. Many traditional studies have paid attention to individual stock-oriented solutions and disregarded general approaches on financial time series or skipped the dynamics of the system and its triggering components. It is difficult to fully...

Breast cancer is a disease characterised by abnormal cell growth in the breast, with various types and unique characteristics depending on the malignant cells involved. It predominantly affects women, and researchers in the field of clinical sciences are increasingly interested in leveraging...

People with Parkinson's Disease (PD) might struggle with sadness, restlessness, or difficulty speaking, chewing, or swallowing. A diagnosis can be challenging because there is no specific PD test. It is diagnosed by doctors using a neurological exam and a medical history. This study proposes...

This paper investigates the use of large language models (LLMs) for moderating online discussions, with a focus on identifying user intent in various types of content. It centers on natural language processing (NLP) techniques to detect toxic language, derailment in discussions, and problematic...

This paper introduces a new tool, OccCANINE, to automatically transform occupational descriptions into the HISCO classification system. The manual work involved in processing and classifying occupational descriptions is error-prone, tedious, and time-consuming. We finetune a preexisting language...

Feature selection (FS) is a data preprocessing step in machine learning (ML) that selects a subset of relevant and informative features from a large feature pool. FS helps ML models improve their predictive accuracy at lower computational costs. Moreover, FS can handle the model overfitting...

The increasing demand for potable water resources worldwide due to population growth, drought, and unpredictable weather patterns resulting from climate change has led to a significant water crisis. To address this issue, it is essential to analyze domestic water consumption patterns and...

Spam emails are unwanted and unsolicited messages. The major problems in email spam detection methods are low detection rates and a high likelihood of false alarms. This study proposes a hybrid correlation-based deep learning model for email spam classification using a fuzzy inference system....