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Search results for: DOCUMENTARY LETTER OF CREDIT, DOCUMENTARY COLLECTION, BANK GUARANTEES, FACTORING, FORFEITING, BANK FEES
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Pilot Testing of Developed Multimodal Biometric Identity Verification System
PublicationThe bank client identity verification system developed in the course of the IDENT project is presented. The total number of five biometric modalities including: dynamic signature proofing, voice recognition, face image verification, face contour extraction and hand blood vessels distribution comparison have been developed and studied. The experimental data were acquired employing multiple biometric sensors installed at engineered...
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Multi-nodal PWR reactor model — Methodology proposition for power distribution coefficients calculation
PublicationIn the paper the multi-nodal Pressurized Water Reactor (PWR) model called Mann’s model is presented. This models is used for modelling purposes of the heat transfer from fuel to coolant in reactor core. The authors expand widely used in literature approach by defining additional coefficients for the heat transfer model. These parameters approximate the power generation distribution in the PWR reactor core according to the to the...
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A Simulation Model for Risk and Pricing Competition in the Retail Lending Market
PublicationWe propose a simulation model of the retail lending market with two types of agents: borrowers searching for low interest rates and lenders competing through risk-based pricing. We show that individual banks observe adverse selection, even if every lender applies the same pricing strategy and a credit scoring model of comparable discrimination power. Additionally, the model justifies the reverse-S shape of the response rate curve....
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Model of the Internet mortgage market optimization
PublicationThe Internet mortgages are currently a fast growing market, allowing selling mortgages cheaper andfaster than in the traditional methods such as in bank departments.Given the specificity of selling mortgages in the Internet, banks try to sell more mortgages by spendingmore money on advertising and paying higher commission to the brokers selling their products. It is important tooptimise the amounts of money in both sectors (the...
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Szkoła wyższa miejscem kreowania i wykorzystywania wiedzy.
PublicationArtykuł zawiera refleksje autora na temat problemów zarządzania wiedzą w technicznej uczelni wyższej. Badania i prowadzenie procesu kształcenia są podstawowymi obszarami działalności uniwersytetu. Oba te obszary związane są z kreowaniem i wykorzystywaniem wiedzy. W wyniku procesu lizbońskiego zostały sformułowane w tym kontekście cele strategiczne. Również rząd polski przyjął dokumenty dotyczące strategii rozwoju szkolnictwa wyższego...
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Harnessing digital technologies for poverty reduction. Evidence for low-income and lower-middle income countries
PublicationThis paper contributes to understanding the relationship between ICT deployment and poverty alleviation in developing countries. It assess the digital technologies contribution to poverty reduction, through different channels of impact, like education, labor market, income and ICTtrade related activities. Using the sample of 40 developing countries between 1990 and 2019, it relies on macro data extracted from the World Bank Development...
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Does being socially good save firms from bankruptcy? A systematic literature review and bibliometric analysis
PublicationThe purpose of the review was to find out, does being responsible saves firms from bank-ruptcy? What is the relationship between corporate social responsibility and default risk? What meth-ods and measures are used in the literature to evaluate this relationship? And what is the theoretical underpinning of the studies? Moreover, to explore what are the gaps for future work, Web of Science and Scopus databases were utilised to obtain...
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Mathematical Modeling of the Impact Range of Sewage Discharge on the Vistula Water Quality in the Region of Włocławek
PublicationThe paper presents results of analysis of the industrial sewage discharge influence at km 688 + 250 of the Vistula River on water quality. During the analysis, two-dimensional models of flow, impurities and temperature transport were used. Hydrological conditions of the analyzed section of the river, characteristic flows and bathymetry of the riverbed in the first instance were defined. Calculations of velocity distribution at...
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Układy napędowe pojazdów elektrycznych
PublicationW artykule omówiono nowe technologie stosowane w układach napędowych pojazdów elektrycznych. Praca zawiera zależności teorii ruchu pojazdu, nowe rozwiązania w konstrukcji silników trakcyjnych. Przedstawiono również zagadnienia układów zasilania bateryjnego i magazynów energii z superkondensatorami. Pokazano metody sterowania zapewniające optymalizacje rozdziału energii pomiędzy akumulatorami a magazynem energii. Zaprezentowano...
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Validating the Rules of Government Automation
PublicationThere is growing evidence on the benefits and risks of government automation, and how should government organizations proceed with automation when the benefits outweigh the risks. This evidence was recently consolidated into the "rules of government automation", part of the project funded by the Inter-American Development Bank. The project uncovered that the combined nature of government work and its transformation into digital...
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Performance of FAN conception of traffic control in IP QoS networks
PublicationIn this paper we present the architectural implementation of Flow Aware Networking (FAN), a new approach for realizing QoS guarantees in the Internet. We also propose FAN traffic control algorithm which performs traffic control on flow level. Using the proposed FAN node model, we conduct simulation research to prove if FAN can be a new approach for realizing QoS guarantees. The basis of this research is finding a way to guarantee...
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Property sustainable value versus highest and best use analyzes
PublicationThis article proposes the possibility of applying fuzzy logic theory to perform the tasks of determining the market value of agricultural lands. These tasks are of a multi‐criteria character, as multiple factors are taken into consideration during the land value valuation process. The market value of agricultural land plots, calculated using fuzzy logic methods, can provide a basis for further use in the processes that are directly...
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Nodal models of Pressurized Water Reactor core for control purposes – A comparison study
PublicationThe paper focuses on the presentation and comparison of basic nodal and expanded multi-nodal models of the Pressurized Water Reactor (PWR) core, which includes neutron kinetics, heat transfer between fuel and coolant, and internal and external reactivity feedback processes. In the expanded multi-nodal model, the authors introduce a novel approach to the implementation of thermal power distribution phenomena into the multi-node...
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The effectiveness of financial and economic regulation of land relations in the context of stimulating entrepreneurial activity in the regions of Ukraine
PublicationSolving the problem of enhancing the efficiency of the financial and economic regulation of land relations contributes to the development of entrepreneurship in Ukraine. The purpose of the paper is to determine new incentives for encouraging entrepreneurial activity by increasing the efficiency of the financial and economic regulation of land relations by local governments. The study is based on applying the method for predicting...
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Innovative investment funds and stability of financial systems: Nonparametric study of exchange-traded funds in Europe
PublicationThe main aim of the paper is investigation of the potential contribution of exchange-trade funds (ETFs) to the instability of the European financial systems. The paper begins with presentation of the key theoretical concepts with regard to ETFs and financial stability. We discuss the key attributes of ETFs as the innovative category of investment funds, their hypothesized impact on the financial stability as well as briefly describe...
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Freeze-Up Ice Jam Formation in the River Bend, a Case Study on the Inner Mongolia Reach of Yellow River
PublicationConcern has been expressed regarding the impacts of climate change on river ice and ice jam formation in cold regions. Ice jams are easily initiated in bends and narrow channels and cause disasters. In this study, observations and remote sensing monitoring are used to study the freeze-up ice jam formation of bends. Sediment transport and freezing process of the river interact, influencing bed changes profile and sedimentary budget....
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Determinants of COVID-19 Impact on the Private Sector: A Multi-Country Analysis Based on Survey Data
PublicationOur paper aims to investigate the impact of COVID‐19 on private sector companies in terms of sales, production, finance and employment. We check whether the country and industry in which companies operate, government financial support and loan access matter to the behaviour and performances of companies during the pandemic. We use a microdata set from a worldwide survey of more than 15,729 companies conducted between April and...
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Security of Cryptocurrencies: A View on the State-of-the-Art Research and Current Developments
Publication[Context] The goal of security is to protect digital assets, devices, and services from being disrupted, exploited or stolen by unauthorized users. It is also about having reliable information available at the right time. [Motivation] Since the inception in 2009 of the first cryptocurrency, few studies have been undertaken to analyze and review the state-of-the-art research and current developments with respect to the security...
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ANALYSIS OF THE IMPACT OF THE PLANNED SEWAGE DISCHARGE FROM THE ‘NORTH’ POWER PLANT ON THE VISTULA WATER QUALITY
PublicationThe paper presents results of analysis of the industrial sewage discharge impact from the ‘North’ Power Plant on the Vistula water quality around 45+330 of the river kilometer. For the analysis, the two-dimensional models of flow, impurities and temperature transport were used. Hydrological conditions of the analyzed section of the river, characteristic flows and bathymetry of the riverbed in the first instance were defined....
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Banking concentration in the Baltic and Western Balkan states — selected issues
PublicationResearch background: In a rapidly changing economic environment companies deepen their cooperation, which entails in all sectors of the economy. The progressive increase in market concentration, especially in the banking sector, is caused by various reasons. Purpose of the article: The purpose of this article is to compare the tendencies within market structures in few countries which origin from similar political systems and...
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New Technologies Adoption and Diffusion Patterns in Developing Countries. An Empirical Study for the Period 2000-2011
PublicationIn recent years, enormous changes are noted worldwide when broad adoption of Information and Communication Technologies (ICT). These unique technologies – often perceived as economic development incentives – have a great ability to spread at high pace and low cost in world countries, bringing to people opportunities to contribute to economic development and growth. New Technologies play a special role in developing countries, where...
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Transparency of publicly available information about fiscal and monetary policy in Poland
PublicationResearch background: The quality of information provided by fiscal and monetary authorities are important in a democratic state. Ensuring fiscal policy transparency reduces fiscal risk and corruption and promotes public acceptance of fiscal reforms. Ensuring transparency in monetary policy allows market participants to anticipate central bank responses and take their effects into account when making investment and consumption decisions. Aim...
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Soft Real-Time Communication with WebSocket and WebRTC Protocols Performance Analysis for Web-based Control Loops
PublicationThe web browser has become an access window for content and services. The browser is available on almost any device connected to the network, regardless of its intended use: desktop, mobile device, computing server, e-book reader etc. Browsers are used by people to read news, contact the world, to check a bank account, register a visit at the doctor, watching video content, electronic purchases, using web versions of the office...
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On-line Search in Two-Dimensional Environment
PublicationWe consider the following on-line pursuit-evasion problem. A team of mobile agents called searchers starts at an arbitrary node of an unknown network. Their goal is to execute a search strategy that guarantees capturing a fast and invisible intruder regardless of its movements using as few searchers as possible. As a way of modeling two-dimensional shapes, we restrict our attention to networks that are embedded into partial grids:...
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A Control Theoretical Approach to Spectral Factorization is Unstable
PublicationLocal stability analysis of a recently proposed recursive feedback-based approach to spectral factorization is performed. The method is found not to give stability guarantees. Interestingly enough, its global behavior often allows one to obtain reasonable approximations of spectral factorizations if a suitable stopping criterion is employed.
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Rewitalizacja jako zintegrowany proces budowania potencjałów wewnątrz miejskich obszarów rozwojowych na przykładzie hamburskiej strategii Skoku przez Łabę
PublicationPolityka Hamburga w ramach strategii Skok przez Łabę jest przykładem aktualnego kierunku odnowy miasta wychodzącej poza klasyczną rewitalizację. Poprawa jakości, udoskonalenie struktur miejskich, wymaga w obszarach problemowych niekonwencjonalnego podejścia zarówno w fazie wyznaczania docelowych standardów, jak i na etapie wdrażania rozwiązań. Dzielnice w widłach rzeki Łaby, lewobrzeżne strefy poportowe Hamburga, objęte zostały...
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Postawy osób starszych wobec tradycyjnych i innowacyjnych kanałów dystrybucji usług finansowych
PublicationRosnący udział osób starszych w strukturze populacji stawia nowe wyzwania przed przedsiębiorstwami oferującymi produkty do nich skierowane. Przykładem takich produktów są usługi finansowe. Przedmiotem niniejszego tekstu są usługi ubezpieczeniowe i bankowe oferowane osobom starszym z wykorzystaniem tradycyjnych i nowoczesnych kanałów dystrybucji. Na podstawie przeglądu literatury sformułowano dwie hipotezy badawcze: H1: Cechy społeczno-demograficzne...
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Jednofazowy falownik napięcia z aktywnym obwodem odsprzęgającym
PublicationZnanym zagadnieniem w jednofazowych falownikach napięcia jest pobieranie ze źródła napięcia stałego składowej przemiennej o częstotliwości dwukrotnie większej od częstotliwości generowanej przez falownik. Jednym z rozwiązań problemu jest stosowanie dużej baterii kondensatorów elektrolitycznych, lecz lepszym sposobem z punktu widzenia niezawodności i gęstości mocy przekształtnika jest stosowanie aktywnych układów odsprzęgania mocy....
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CURRENT SITUATION ON THE POLAND REAL ESTATE MARKET
PublicationIn recent years the polish real estate market has been characterised by a significant increase in supply and demand. This was facilitated by a number of macroeconomic factors. In recent years, housing has been commissioned as 30 years ago. Therefore, the depth analysis issue of the causes and consequences for the Polish economy of these trends is now relevant. Among the reasons are significant economic growth, low interest rates...
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Active feedback noise control in the presence of impulsive disturbances
PublicationThe problem of active feedback control of a narrowband acoustic noise in the presence of impulsive disturbances is considered. It is shown that, when integrated with appropriately designed outlier detector, the proposed earlier feedback control algorithm called SONIC is capable of isolating and rejecting noise pulses. According to our tests this guarantees stable and reliable operation of the closed-loop noise cancelling...
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Consumer Bankruptcy Prediction Using Balanced and Imbalanced Data
PublicationThis paper examines the usefulness of logit regression in forecasting the consumer bankruptcy of households using an imbalanced dataset. The research on consumer bankruptcy prediction is of paramount importance as it aims to build statistical models that can identify consumers in a difficult financial situation that may lead to consumer bankruptcy. In the face of the current global pandemic crisis, the future of household finances...
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Kolekcja muzyczna Kazimierza Czekotowskiego (1901-1972) w zbiorach Biblioteki Głównej Akademii Muzycznej im. Stanisława Moniuszki w Gdańsku
PublicationThe Main Library of Stanisław Moniuszko Academy of Music in Gdansk gathers and stores many collections submitted by different people, especially by the pedagogues of the Academy. One of them is a collection of notes used in artistic work and maybe in vocal teaching by the outstanding Polish singer Kazimierz Czekotowski. The article describes the contents of the collection, particularly the items concerning composers and publishers....
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Wybrane aspekty wprowadzenia euro w Polsce
PublicationArtkuł stanowi przegląd możliwych rozważań nad skutkami przystąoienia Polski do Unii Gospodarczej i Walutowej. Na początku moje dywagacje dotyczą dokumentów określających cele uczestnictwa w Unii Europejskiej, takich jak Raport Wernera, Raport Delorsa oraz Traktat z Maastricht. Jednakże utworzenie wspólnego obszaru monetarnego wiąże się z utratą suwerenności w prowadzeniu polityki monetarnej. W dalszej cześci mojego artykułu przedstawię...
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User Authentication by Eye Movement Features Employing SVM and XGBoost Classifiers
PublicationDevices capable of tracking the user’s gaze have become significantly more affordable over the past few years, thus broadening their application, including in-home and office computers and various customer service equipment. Although such devices have comparatively low operating frequencies and limited resolution, they are sufficient to supplement or replace classic input interfaces, such as the keyboard and mouse. The biometric...
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Automated Reduced Model Order Selection
PublicationThis letter proposes to automate generation of reduced-order models used for accelerated -parameter computation by applying a posteriori model error estimators. So far,a posteriori error estimators were used in Reduced Basis Method (RBM) and Proper Orthogonal Decomposition (POD) to select frequency points at which basis vectors are generated. This letter shows how a posteriori error estimators can be applied to automatically select...
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Synthesis of coupled lossy resonator filters.
PublicationA technique for fast synthesis of coupling matrix low-pass prototypes of generalized. Chebyshev bandpass filters with lossy resonators is presented in this letter. The coupling matrix is found by solving a nonlinear least squares problem based on zeros and poles of filter's transfer functions.
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Combining MUSHRA Test and Fuzzy Logic in the Evaluation of Benefits of Using Hearing Prostheses
PublicationAssessing the effectiveness of hearing aid fittings based on the benefits they provide is crucial but intricate. While objective metrics of hearing aids like gain, frequency response, and distortion are measurable, they do not directly indicate user benefits. Hearing aid performance assessment encompasses various aspects, such as compensating for hearing loss and user satisfaction. The authors suggest enhancing the widely used...
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Development and Research of the Text Messages Semantic Clustering Methodology
PublicationThe methodology of semantic clustering analysis of customer’s text-opinions collection is developed. The author's version of the mathematical models of formalization and practical realization of short textual messages semantic clustering procedure is proposed, based on the customer’s text-opinions collection Latent Semantic Analysis knowledge extracting method. An algorithm for semantic clustering of the text-opinions is developed,...
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A Stabilized Complex LOBPCG Eigensolver for the Analysis of Moderately Lossy EM Structures
PublicationThis letter proposes a stabilized locally optimal block preconditioned conjugate gradient method for computing selected eigenvalues for complex symmetric generalized non-Hermitian eigenproblems. Effectiveness of the presented approach is demonstrated for a moderately lossy dual-mode dielectric resonator, modeled using finite-element method with higher order elements
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On-line Search in Two-Dimensional Environment
PublicationWe consider the following on-line pursuit-evasion problem. A team of mobile agents called searchers starts at an arbitrary node of an unknown network. Their goal is to execute a search strategy that guarantees capturing a fast and invisible intruder regardless of its movements using as few searchers as possible. We require that the strategy is connected and monotone, that is, at each point of the execution the part of the graph...
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Hold-Up Problems in International Gas Trade: A Case Study
PublicationThe infrastructure required for international natural gas trade is considerable, which often leads to hold-up problems and supply disruptions. This study discusses disruptions of gas supply from Algeria, Indonesia, Russia, and Turkmenistan since the early 1980s. The novelty of this study is its focus on the issues related to transit countries, which are rarely considered in the literature. The results of the study classify supply...
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Education at the Faculty of Mechanical Engineering of the Gdańsk University of Technology
PublicationFaculty of Mechanical Engineering is one of the largest departments of the Gdańsk University of Technology (GUT), currently educating about 3 000 student. Lectures are conducted in five Chairs, which include 18 Divisions. In 2000 GUT introduced the European Credit Transfer and Accumulation System (ECTS). Each student should get during one academic year 60 ECTS points. Obtaining a diploma of BEng requires the acquisition of no less...
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Education at the Faculty of Mechanical Engineering of the Gdańsk University of Technology
PublicationFaculty of Mechanical Engineering is one of the largest departments of the Gdańsk University of Technology (GUT), currently educating about 3 000 student. Lectures are conducted in five Chairs, which include 18 Divisions. In 2000 GUT introduced the European Credit Transfer and Accumulation System (ECTS). Each student should get during one academic year 60 ECTS points. Obtaining a diploma of BEng requires the acquisition of no less...
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Audio Content and Crowdsourcing: A Subjective Quality Evaluation of Radio Programs Streamed Online
PublicationRadio broadcasting has been present in our lives for over 100 years. The transmission of speech and music signals accompanies us from an early age. Broadcasts provide the latest information from home and abroad. They also shape musical tastes and allow many artists to share their creativity. Modern distribution involves transmission over a number of terrestrial systems. The most popular are analog FM (Frequency Modulation) and...
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Transient modeling in common DC link of power converters
PublicationПредмет исследования. Представлена математическая модель силовых преобразователей электропривода, питающихся от общего звена постоянного тока, на примере тяговых электроприводов карьерного самосвала БЕЛАЗ-90 мощностью 280 кВт. Модель выполнена в пакете MATLAB/Simulink. Новизна предложенной модели заключается в применении новой топологии силовой схемы для исследования работы двух инверторов, под- ключенных к одному звену постоянного...
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Rewitalizacja Warszawskiej Rotundy PKO BP - przeszłość i współczesność
PublicationCharakterystycznym miejscem centrum śródmieścia Warszawy, powszechnie znanym zarówno w kraju jak za granicami naszego kraju był dotychczas, i miejmy nadzieję nadal będzie, okrągły budynek z charakterystycznym pilaście ukształtowanym obrysem wieńczącego go skośnego dachu - obiekt Warszawskiej Rotundy. Rotunda usytuowana przy skrzyżowaniu ulicy Marszałkowskiej i Alei Jerozolimskich - w pobliżu Ronda Dmowskiego w Warszawie jest obiektem,...
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Is Digitalization Improving Governance Quality? Correlating Analog and Digital Benchmarks
PublicationThe digitalization of public governance and the resulting concept of electronic governance is a characteristic feature of contemporary information society. Both can be defined as the process and outcome of digital transformation: transformation of the “analog” version of governance into “digital” governance. Measuring both versions of governance against typical performance measures of efficiency, effectiveness, equity, openness...
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Practical I-Voting on Stellar Blockchain
PublicationIn this paper, we propose a privacy-preserving i-voting system based on the public Stellar Blockchain network. We argue that the proposed system satisfies all requirements stated for a robust i-voting system including transparency, verifiability, and voter anonymity. The practical architecture of the system abstracts a voter from blockchain technology used underneath. To keep user privacy, we propose a privacy-first protocol that...
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Objective selection of minimum acceptable mesh refinement for EMC simulations
PublicationOptimization of computational electromagnetics (CEM) simulation models can be costly in both time and computing resources. Mesh refinement is a key parameter in determining the number of unknowns to be processed. In turn, this controls the time and memory required for a simulation. Hence, it is important to use only a mesh that is good enough for the objectives of the simulation, whether for direct handling of high-fidelity EM...
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Comments on “Closed Form Variable Fractional Time Delay Using FFT”
PublicationIn this letter drawbacks of the aforementioned paper are pointed out. The proposed approach is improved with minor modifications of the discrete frequency response. This allows for design of fractional delay filters which are close to optimal and can be efficiently implemented in the frequency domain using the sliding DFT based structure. Alternatively, the derived equivalent closed form formulae for offset windows can be used...