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The paper presents a comprehensive model of a banking system that integrates network effects, bankruptcy costs, fire sales, and cross-holdings. For the integrated financial market we prove the existence of a price-payment equilibrium and design an algorithm for the computation of the greatest and the least equilibrium. The number of defaults corresponding to the greatest price-payment equilibrium is analyzed in several comparative case studies. These illustrate the individual and joint impact of interbank liabilities, bankruptcy costs, fire sales and cross-holdings on systemic risk. We study policy implications and regulatory instruments, including central bank guarantees and quantitative easing, the significance of last wills of financial institutions, and capital requirements.
Background:
Many patients with cardiovascular disease also show a high comorbidity of mental disorders, especially such as anxiety and depression. This is, in turn, associated with a decrease in the quality of life. Psychocardiological treatment options are currently limited. Hence, there is a need for novel and accessible psychological help. Recently, we demonstrated that a brief face-to-face metacognitive therapy (MCT) based intervention is promising in treating anxiety and depression. Here, we aim to translate the face-to-face approach into digital application and explore the feasibility of this approach.
Methods:
We translated a validated brief psychocardiological intervention into a novel non-blended web app. The data of 18 patients suffering from various cardiac conditions but without diagnosed mental illness were analyzed after using the web app over a two-week period in a feasibility trial. The aim was whether a nonblended web app based MCT approach is feasible in the group of cardiovascular patients with cardiovascular disease.
Results:
Overall, patients were able to use the web app and rated it as satisfactory and beneficial. In addition, there was first indication that using the app improved the cardiac patients’ subjectively perceived health and reduced their anxiety. Therefore, the approach seems feasible for a future randomized controlled trial.
Conclusion:
Applying a metacognitive-based brief intervention via a nonblended web app seems to show good acceptance and feasibility in a small target group of patients with CVD. Future studies should further develop, improve and validate digital psychotherapy approaches, especially in patient groups with a lack of access to standard psychotherapeutic care.
Die Arbeit untersucht die Anwendung von maschinellem Lernen zur Erkennung von Aktivitäten von Schiffen anhand von AIS-Signalen. Das Automatic Identification System (AIS) wird von Schiffen genutzt, um Informationen über ihren Status in regelmäßigen Intervallen zu übertragen. Auf Basis der Daten wurden mithilfe von Machine Learning-Algorithmen aus der Gruppe der überwachten Klassifikationsalgorithmen Modelle gelernt, die in der Lage sind zu erkennen, welcher Aktivität ein Schiff zu einem Zeitpunkt nachgeht.
Da das erfolgreiche Lernen eines Modells von einer sorgfältigen Datenvorbereitung abhängt, wurden verschiedene Verfahren zur Datenvorbereitung verwendet. Anschließend wurden verschiedene Algorithmen eingesetzt, darunter der Random Forest und k-NN, um Modelle zu lernen.
Die Ergebnisse zeigen, dass die Aktivitäten mit einer Genauigkeit von bis zu 99% erkannt werden konnten, wenn in der Datenvorbereitung geeignete Verfahren gewählt wurden.
In unseren Studien haben sich Personenfaktoren im Vergleich zu Situationsfaktoren durchgängig als relevanter für die Entscheidung eines Menschen für oder gegen Korruption erwiesen. Bei der Entscheidung eines Menschen für oder gegen Korruption wirken die verschiedenen Personenfaktorklassen unterschiedlich stark. Die Personenfaktorklassen Persönlichkeit, Werte und Einstellungen beeinflussen die Entscheidung für oder gegen korruptes Handeln substanziell. Hingegen hat die Personenfaktorklasse implizite Motive entgegen ursprünglicher Erwartungen keinen substanziellen Einfluss. Auch soziodemografische Merkmale wie beispielsweise Alter oder Geschlecht haben keine substanzielle Wirkung auf Entscheidungen für oder gegen korruptes Handeln. Das Alter oder das Geschlecht ist nur indirekt wirksam, wenn es mit anderen Personenfaktoren verknüpft ist. So kann sich beispielsweise die Offenheit mit dem Alter verändern. Kausal für korrupte Handlungen sind die jeweiligen Personenfaktoren und nicht die soziodemografischen Merkmale. Die Personenfaktoren sind empirisch vergleichsweise gut abgesichert. Bei den Situationsfaktoren gibt es noch zahlreiche Unschärfen, die sich letztlich auf Basis des derzeitigen Kenntnisstands nicht zufriedenstellend auflösen lassen. Wie eine konkrete Situation von einem bestimmten Menschen wahrgenommen und verarbeitet wird, hängt von dessen Personenfaktoren und nicht nur von äußeren Situationsfaktoren ab. Die von uns vorgestellte Theorie kann eine Basis für die weitere Forschung zu Korruption sein.
In the last years generative models have gained large public attention due to their high level of quality in generated images. In short, generative models learn a distribution from a finite number of samples and are able then to generate infinite other samples. This can be applied to image data. In the past generative models have not been able to generate realistic images, but nowadays the results are almost indistinguishable from real images.
This work provides a comparative study of three generative models: Variational Autoencoder (VAE), Generative Adversarial Network (GAN) and Diffusion Models (DM). The goal is not to provide a definitive ranking indicating which one of them is the best, but to qualitatively and where possible quantitively decide which model is good with respect to a given criterion. Such criteria include realism, generalization and diversity, sampling, training difficulty, parameter efficiency, interpolating and inpainting capabilities, semantic editing as well as implementation difficulty. After a brief introduction of how each model works on the inside, they are compared against each other. The provided images help to see the differences among the models with respect to each criterion.
To give a short outlook on the results of the comparison of the three models, DMs generate most realistic images. They seem to generalize best and have a high variation among the generated images. However, they are based on an iterative process, which makes them the slowest of the three models in terms of sample generation time. On the other hand, GANs and VAEs generate their samples using one single forward-pass. The images generated by GANs are comparable to the DM and the images from VAEs are blurry, which makes them less desirable in comparison to GANs or DMs. However, both the VAE and the GAN, stand out from the DMs with respect to the interpolations and semantic editing, as they have a latent space, which makes space-walks possible and the changes are not as chaotic as in the case of DMs. Furthermore, concept-vectors can be found, which transform a given image along a given feature while leaving other features and structures mostly unchanged, which is difficult to archive with DMs.
There are many aspects of code quality, some of which are difficult to capture or to measure. Despite the importance of software quality, there is a lack of commonly accepted measures or indicators for code quality that can be linked to quality attributes. We investigate software developers’ perceptions of source code quality and the practices they recommend to achieve these qualities. We analyze data from semi-structured interviews with 34 professional software developers, programming teachers and students from Europe and the U.S. For the interviews, participants were asked to bring code examples to exemplify what they consider good and bad code, respectively. Readability and structure were used most commonly as defining properties for quality code. Together with documentation, they were also suggested as the most common target properties for quality improvement. When discussing actual code, developers focused on structure, comprehensibility and readability as quality properties. When analyzing relationships between properties, the most commonly talked about target property was comprehensibility. Documentation, structure and readability were named most frequently as source properties to achieve good comprehensibility. Some of the most important source code properties contributing to code quality as perceived by developers lack clear definitions and are difficult to capture. More research is therefore necessary to measure the structure, comprehensibility and readability of code in ways that matter for developers and to relate these measures of code structure, comprehensibility and readability to common software quality attributes.
The digital transformation with its new technologies and customer expectation has a significant effect on the customer channels in the insurance industry. The objective of this study is the identification of enabling and hindering factors for the adoption of online claim notification services that are an important part of the customer experience in insurance. For this purpose, we conducted a quantitative cross-sectional survey based on the exemplary scenario of car insurance in Germany and analyzed the data via structural equation modeling (SEM). The findings show that, besides classical technology acceptance factors such as perceived usefulness and ease of use, digital mindset and status quo behavior play a role: acceptance of digital innovations, lacking endurance as well as lacking frustration tolerance with the status quo lead to a higher intention for use. Moreover, the results are strongly moderated by the severity of the damage event—an insurance-specific factor that is sparsely considered so far. The latter discovery implies that customers prefer a communication channel choice based on the individual circumstances of the claim.
During the Corona-Pandemic, information (e.g. from the analysis of balance sheets and payment behavior) traditionally used for corporate credit risk analysis became less valuable because it represents only past circumstances. Therefore, the use of currently published data from social media platforms, which have shown to contain valuable information regarding the financial stability of companies, should be evaluated. In this data e. g. additional information from disappointed employees or customers can be present. In order to analyze in how far this data can improve the information base for corporate credit risk assessment, Twitter data regarding the ten greatest insolvencies of German companies in 2020 and solvent counterparts is analyzed in this paper. The results from t-tests show, that sentiment before the insolvencies is significantly worse than in the comparison group which is in alignment with previously conducted research endeavors. Furthermore, companies can be classified as prospectively solvent or insolvent with up to 70% accuracy by applying the k-nearest-neighbor algorithm to monthly aggregated sentiment scores. No significant differences in the number of Tweets for both groups can be proven, which is in contrast to findings from studies which were conducted before the Corona-Pandemic. The results can be utilized by practitioners and scientists in order to improve decision support systems in the domain of corporate credit risk analysis. From a scientific point of view, the results show, that the information asymmetry between lenders and borrowers in credit relationships, which are principals and agents according to the principal-agent-theory, can be reduced based on user generated content from social media platforms. In future studies, it should be evaluated in how far the data can be integrated in established processes for credit decision making. Furthermore, additional social media platforms as well as samples of companies should be analyzed. Lastly, the authenticity of user generated contend should be taken into account in order to ensure, that credit decisions rely on truthful information only.