We examine whether loan portfolio sectoral specialization provides informational advantages to banks, enabling better credit risk assessment. Using euro area credit register data, we compare probabilities of default assigned by specialized and non-specialized banks to the same borrowing firm...

The legal concepts of expiration and termination in contract law, though often used interchangeably in practice, possess distinct theoretical and practical implications that significantly affect contractual relationships. This paper undertakes a critical reassessment of the boundaries between...

The pervasive threat of online disinformation challenges the integrity of the digital public sphere and the resilience of liberal democracies. This study conceptualizes and evaluates an explainable artificial intelligence (XAI) artifact specifically designed for disinformation detection,...

Artificial intelligence (AI) holds tremendous potential to revolutionise healthcare by enhancing and supporting medical decision-making, enabling early diagnosis, and accelerating drug discovery processes. While its effectiveness has been repeatedly demonstrated across various medical...

This report provides an in-depth analysis of explainable artificial intelligence (XAI) in the context of education, with a focus on promoting human oversight, ethical governance, and shared responsibility. It is the outcome of the European Digital Education Hub's squad (online working group) on...

This report provides an in-depth analysis of explainable artificial intelligence (XAI) in the context of education, with a focus on promoting human oversight, ethical governance, and shared responsibility. It is the outcome of the European Digital Education Hub's squad (online working group) on...

The integration of Artificial Intelligence (AI) in cybersecurity for industrial automation is crucial due to the increasing reliance on smart technologies and the sophistication of cyber threats. This chapter focuses on the application of Explainable AI (XAI) in cybersecurity decision-making,...