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Search results for: documentary letter of credit, documentary collection, bank guarantees, factoring, forfeiting, bank fees
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Security of export transactions in the offer of leading banks on the Polish market
PublicationThe following article presents the so-called conditioned payment methods, i.e. instruments for securing export transactions, such as letter of credit, documentary collection, bank guarantees, factoring and forfaiting. The characteristics of each particular method are presented as well as the transactions using them are described. In the following paper, the author included also the leading Polish banks, which offer the above- mentioned...
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Bank komercyjny a jego prawne otoczenie.
PublicationBank komercyjny jest systemem. Jest on podatny na oddziaływanie swojego otoczenia. Ponieważ bank jest instytucją zaufania publicznego, szczególnie istotne jest dla niego otoczenie prawne. W artykule określono relacje: prawe otoczenie - bank komercyjny.
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Fees for Advertisements in Public Space Incurred by a Given Bank Brand in Poland
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Usability study of various biometric techniques in bank branches
PublicationThe purpose of the presented research was to evaluate the performance of the prepared biometric algorithms and obtain information on the opinions and preferences of their users in bank branches. The study aimed to determine users' attitudes towards particular modalities and preferences on how to use biometrics after the bank customers had practical experience with the operation of the prototype solutions. The research results...
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Face detection algorithms evaluation for the bank client verification
PublicationResults of investigation of face detection algorithms in the video sequences are presented in the paper. The recordings were made with a miniature industrial USB camera in real conditions met in three bank operating rooms. The aim of the experiments was to check the practical usability of the face detection method in the biometric bank client verification system. The main assumption was to provide as much as possible user interaction...
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Fees For Advertisements In The Right-Of-Ways Of Public Roads Incurred By A Given Bank Brand In Poland
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Evaluation of Face Detection Algorithms for the Bank Client Identity Verification
PublicationResults of investigation of face detection algorithms efficiency in the banking client visual verification system are presented. The video recordings were made in real conditions met in three bank operating outlets employing a miniature industrial USB camera. The aim of the experiments was to check the practical usability of the face detection method in the biometric bank client verification system. The main assumption was to provide...
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Audio-visual surveillance system for application in bank operating room
PublicationAn audio-visual surveillance system able to detect, classify and to localize acoustic events in a bank operating room is presented. Algorithms for detection and classification of abnormal acoustic events, such as screams or gunshots are introduced. Two types of detectors are employed to detect impulsive sounds and vocal activity. A Support Vector Machine (SVM) classifier is used to discern between the different classes of acoustic...
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An Approach to the Detection of Bank Robbery Acts Employing Thermal Image Analysis
PublicationA novel approach to the detection of selected security-related events in bank monitoring systems is presented. Thermal camera images are used for the detection of people in difficult lighting conditions. Next, the algorithm analyses movement of objects detected in thermal or standard monitoring cameras using a method evolved from the motion history images algorithm. At the same time, thermal images are analyzed in order to detect...
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The project IDENT: Multimodal biometric system for bank client identity verification
PublicationBiometric identity verification methods are implemented inside a real banking environment comprising: dynamic handwritten signature verification, face recognition, bank cli-ent voice recognition and hand vein distribution verification. A secure communication system based on an intra-bank client-server architecture was designed for this purpose. Hitherto achieved progress within the project is reported in this paper with a focus...
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A filter bank solution for active power filter control algorithms
PublicationThb paper describes the proposed active power fiIter (APF) with a new control circuit based on an algorithm using ufilter bank and a harmonic predictor. The conirol circuit was realized using the digiiaI signor processor ADSP-21065L and FPGA circuiL In the proposed circuit transient performunee of APF is improved The active power fdter circuil has been built and teste6 and some illustrative, experimental results are uIso presented...
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Processing of acoustical data in a multimodal bank operating room surveillance system
PublicationAn automatic surveillance system capable of detecting, classifying and localizing acoustic events in a bank operating room is presented. Algorithms for detection and classification of abnormal acoustic events, such as screams or gunshots are introduced. Two types of detectors are employed to detect impulsive sounds and vocal activity. A Support Vector Machine (SVM) classifier is used to discern between the different classes of...
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Non-standard Analysis Filter Bank Design Applied to Hybrid Filter Bank Architecture
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Super capacitor energy bank MEDCOM UCER-01 in Gdynia trolleybus system
PublicationSince 2001, trolleybus system in Gdynia has been involved in many activities related to the reduction of power consumption, both in terms of implementation and research and development. The installation of the supercapacity energy bank on substation Wielkopolska in 2014 year was one of them. It is the first such big stationary supercapacitor storage system installed in trolleybus supply system in the Middle - Eastern Europe. The...
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Reducing of energy consumption in public transport - results of experimental exploitation of super capacitor energy bank in Gdynia trolleybus system
PublicationPaper presents the result of test exploitation supercapacitor energy bank in Gdynia trolleybus system. In the first part of the article the basics of the regenerative breaking are presented and the construction and control strategy of the supercapacitor bank are described. The area of research and method of measurement are explained. In the second part of paper the results of tests and measurements are described. Emphasis was placed...
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Economics of credit scoring management
PublicationCredit scoring models constitute an inevitable element of modern risk and profitability management in retail financial lending institutions. Quality,or separation power of a credit scoring model is usually assessed with the Gini coefficient. Generally, the higher Gini coefficient the better, as in this way a bank can increase number of good customers and/or reject more bad applicants. In...
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Validating data acquired with experimental multimodal biometric system installed in bank branches
PublicationAn experimental system was engineered and implemented in 100 copies inside a real banking environment comprising: dynamic handwritten signature verification, face recognition, bank client voice recognition and hand vein distribution verification. The main purpose of the presented research was to analyze questionnaire responses reflecting user opinions on: comfort, ergonomics, intuitiveness and other aspects of the biometric enrollment...
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Shaping the City Responding to Climate Change – Concept of Development of the Right Bank of the Vistula River in Toruń, Poland,
PublicationThe problems of cities of the 21st century are caused by anthropogenic oppression of the environment, through the growth of economic activity and continuous urbanisation, and taking away ecologically important open areas and biologically active areas. Increasingly frequent and sudden rains, strong winds, turbulence and rising world water levels are some of the consequences of climate change that have a direct impact on the functioning...
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Size and mass minimization of capacitor bank in a power converter DC line of DC drive with closed loop control system with PWM and current limitation
PublicationPaper deals with evaluation equations for power filter of AC-DC power converter which allows to provide size and mass minimization of capacitor bank in DC drive closed loop systems with PWM and current limitation. Reliability of provided equations is proved by simulation in MATLAB/Simulink
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Radiated emissions measurements of a portable power bank in a GTEM cell
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The Goertzel filter-bank usage in the non-stationary impedance measurement.
PublicationArtykuł prezentuje metodę pomiaru parametrów impedancyjnych w warunkach niestacjonarnych bazującą na próbkowaniu sygnałów pomiarowych i przetwarzaniu cyfrowym. Zaproponowano i przeanalizowano zastosowanie banku filtrów Goertzela. Porównano zaproponowane podejście z tradycyjnie stosowaną metodą STDFT. Przedstawiono wynik symulacji i pomiarów.
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Efekty wsparcia programu Gambit Pomorski przez bank światowy.
PublicationRuch drogowy i nieodpowiednio przystosowanie do niego ulice są realnym zagrożeniem dla najmłodszych. Problem bezpiecznej drogi dom-szkoła-dom najczęściej dotyczy dzieci w wieku od 5 do 15 lat. Miejsca wypadków z młodszymi dziećmi w wieku przedszkolnym najczęściej lokalizowane są w pobliżu miejsca zamieszkania. Analiza otoczenia szkół wybranych do eksperymentów w ramach programu GAMBIT wskazuje, że występują liczne mankamenty w...
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Offshore benthic habitat mapping based on object-based image analysis and geomorphometric approach. A case study from the Slupsk Bank, Southern Baltic Sea
PublicationBenthic habitat mapping is a rapidly growing field of underwater remote sensing studies. This study provides the first insight for high-resolution hydroacoustic surveys in the Slupsk Bank Natura 2000 site, one of the most valuable sites in the Polish Exclusive Zone of the Southern Baltic. This study developed a quick and transparent, automatic classification workflow based on multibeam echosounder and side-scan sonar surveys to...
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Analysis of continuous-to-discrete transformation effect on a synthesis filter bank project
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Reasons Fostering or Discouraging the Implementation of Central Bank-Backed Digital Currency: A Review
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Credit default swaps and banks
PublicationThis chapter aims to explore the evolving role of credit default swaps (CDS) in managing and transferring default risk from the perspective of banks from a holistic perspective. This chapter examines credit default swaps (CDSs) as derivative financial instruments that transfer credit risk on debt securities. While CDSs offer benefits such as risk management and risk trading, they also introduce potential systemic risks, as evidenced...
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Toward Wide-Band High-Resolution Analog-to-Digital Converters Using Hybrid Filter Bank Architecture
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Reply to Maarit Johnson's Letter to the Editor
PublicationWe wrote in response to the Letter to the Editor from Maarit Johnson regarding our article “Exploring the factor structure and the validity of the abbreviated Basic and Earning self-esteem Scales” (Dåderman & Basinska, 2013). We discussed two main issues: (a) the theory underlying the development of the longer (i.e., original) versions of the Basic and Earning SES, as well as the role of earning SE; and (b) the selection of items...
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Green Sample Collection
PublicationThe term of “green sample collection” is directly associated with both passive and dynamic analytical tools which allow for simultaneous management of the stage of collection and isolation and/or enrichment of a broad spectrum of chemical compounds from environmental samples. The use of passive sampling techniques at the stage of sample collection makes it possible to obtain in a simple yet inexpensive manner an analytical information...
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How to model ROC curves - a credit scoring perspective
PublicationROC curves, which derive from signal detection theory, are widely used to assess binary classifiers in various domains. The AUROC (area under the ROC curve) ratio or its transformations (the Gini coefficient) belong to the most widely used synthetic measures of the separation power of classification models, such as medical diagnostic tests or credit scoring. Frequently a need arises to model an ROC curve. In the biostatistical...
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The shape of an ROC curve in the evaluation of credit scoring models
PublicationThe AUC, i.e. the area under the receiver operating characteristic (ROC) curve, or its scaled version, the Gini coefficient, are the standard measures of the discriminatory power of credit scoring. Using binormal ROC curve models, we show how the shape of the curves affects the economic benefits of using scoring models with the same AUC. Based on the results, we propose that the shape parameter of the fitted ROC curve is reported...
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Which Curve Fits Best: Fitting ROC Curve Models to Empirical Credit-Scoring Data
PublicationIn the practice of credit-risk management, the models for receiver operating characteristic (ROC) curves are helpful in describing the shape of an ROC curve, estimating the discriminatory power of a scorecard, and generating ROC curves without underlying data. The primary purpose of this study is to review the ROC curve models proposed in the literature, primarily in biostatistics, and to fit them to actual credit-scoring ROC data...
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From the Concept to Results: A Case Study on the Collection Development for the ODC–Opening Day Collection at Qatar National Library
Publication"A library collection should fit the mission for which it is created. The number of books it holds does not determine its worth." (E. J. Loveland, 2000) If so, how do we create a national library, and how do we build its collection from scratch without making many mistakes? Since 2012, when the plans for the new national library were announced, Qatar National Library (QNL) envisioned as carrying out its mission to "spread knowledge,...
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Self-stabilizing algorithms for graph coloring with improved performance guarantees
PublicationW pracy rozważa się rozproszony model obliczeń, w którym struktura systemu jest reprezentowana przez graf bezpośrednich połączeń komunikacyjnych. W tym modelu podajemy nowy samostabilizujący algorytm kolorowania grafów oparty na konstrukcji drzewa spinającego. Zgodnie z naszą wiedzą jest to pierwszy algorytm z gwarantowaną wielomianową liczbą ruchów, który dokładnie koloruje grafy dwudzielne.
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System of breath collection and analysis for diseases detection
PublicationCollection and study of composition of the exhaled air is now intensively investigated to develop non-invasive medical diagnostics based on presence of metabolic compounds in the exhaled air. The process of collecting and processing of the exhaled air must fulfill relevant conditions to achieve satisfactory results. The paper presents the system of collecting samples of exhaled breath and the proposed methods of its analysis, using...
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Cyanobacterial and Algal Strains in the Culture Collection of Baltic Algae (CCBA)
PublicationThe dataset titled Microalgal strains from “Culture Collection of Baltic Algae (CCBA)” is a representation of cyanobacterial and microalgal cultures isolated from the Baltic Sea. It is a unique catalogue of strains of the dominant and rare species found in the Baltic phytoplankton and microphytobenthos assemblages. The main purpose of the collection is to extend the knowledge on the Baltic microbial communities by providing...
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Assessment of the Impact of Loss-of-Retention Fees on Green Infrastructure Investments
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Influence of Toll Collection Method on Motorways on Traffic Safety and Efficiency
PublicationThe paper presents the results of the effectiveness analysis for various forms of toll collection on motorway gates and their impact on safety and efficiency of traffic. The results from field tests that were performed on the A1 motorway in Rusocin were used for the analysis. The research included the analysis of the video image of driver behaviour on the way to the toll booths and at toll booths. The PTV VISSIM tool was used to...
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Bifractal receiver operating characteristic curves: a formula for generating receiver operating characteristic curves in credit-scoring contexts
PublicationThis paper formulates a mathematical model for generating receiver operating characteristic (ROC) curves without underlying data. Credit scoring practitioners know that the Gini coefficient usually drops if it is only calculated on cases above the cutoff. This fact is not a mathematical necessity, however, as it is theoretically possible to get an ROC curve that keeps the same Gini coefficient no matter how big a share of lowest...
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Collection Efficiency in Narrow Electrostatic Precipitators with a Longitudinal or Transverse Wire Electrode
PublicationRecently narrow electrostatic precipitators (ESPs) have become a subject of interest because of their possible application in diesel engine exhaust systems. In this work, results of particle collection efficiency measurements in narrow electrostatic precipitators for negative and positive dc voltage polarity are presented. The ESP usedin this work was a parallelepiped equipped with wire discharge electrode and two collecting plate-electrodes....
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Sealing tax collection in Poland and the EU in the years 2008–2018
PublicationThe purpose of this study is to present issues related to sealing tax collection system in Poland and European Union countries as well as OECD members in 2008–2018. The article is divided into four parts, which include: introduction, origin of the problem, implemented solutions and conclusions. It presents the results of the conducted analysis including studies of the literature and empirical data (mainly from OECD, GUS—Polish...
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Client evaluation decision models in the credit scoring tasks
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Energetic model of hydraulic system of refuse collection vehicle based on simulation and experimental data
PublicationThis paper presents an energetic model of hydraulic system of a refuse collection vehicle. First, benefits resulting from implementation of an energetic model in the industry and operation of a Refuse Collection Vehicle are briefly explained. Then, components of the energy consumption in hydraulic circuits of compactor and lifting device are described and combined into a comprehensive model that can be evaluated using basic measurement...
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Electrohydrodynamic Secondary Flow and Particle Collection Efficiency in a One-sided Spike-plate Type Electrostatic Precipitator
PublicationIn this work, results of electrohydrodynamic secondary flow and particle collection efficiency measurements in an electrostatic precipitator under positive and negative voltage polarity are presented. The electrostatic precipitator had two plate collecting electrodes and a single spike discharge electrode. The spike tips were only on one side of the discharge electrode, therefore called a one-sided spike electrode. The electrohydrodynamic...
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Electrohydrodynamic flow patterns and collection efficiency in narrow wire-cylinder type electrostatic precipitator
PublicationRecently, narrow electrostatic precipitators (ESPs) have become a subject of interest because of their possible application for the cleaning of the exhaust gases emitted by diesel engines. Diesel engines emit fine particles, which are harmful to human and animal health. There are several methods for decrease particulate emission from a diesel engines, but up to now, these methods are not enough effective or very expensive. Therefore,...
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Risk Scoring Models for Trade Credit in Small and Medium Enterprises
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Burnout as a State: Random-Intercept Cross-Lagged Relationship Between Exhaustion and Disengagement in a 10-Day Study [Response to Letter]
PublicationWe are writing in response to the Letter to the Editor by Block, Bair, and Carillo regarding our study, which took a multilevel approach to examine cross-lagged and co-existing relationships between exhaustion and disengagement, measured daily for ten consecutive working days using the Oldenburg Burnout Inventory (OLBI). We assessed the job burnout symptoms using only eight items, all of them worded negatively. Following Block,...
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Assessment of baby disposable diapers application for urine collection and determination of phthalate metabolites
PublicationThe baby disposable diapers were investigated as a sampling material for urine collection and validated for the evaluation of the exposure of children to xenobiotics. Phthalate metabolites detected in urine samples were chosen as proof-of-concept analytes. For the determination of phthalate metabolites in children’s urine samples, high performance liquid chromatography coupled with tandem mass spectrometry (HPLC-MS/MS) was used. Two...
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Electrohydrodynamic Secondary Flow and Particle Collection Efficiency in Spike-Plate Multi-Electrode Electrostatic Precipitator
PublicationIn this work the results of electrohydrodynamic (EHD) secondary flowmeasurements in a spike-plate type electrostatic precipitator (ESP) are presented. In the investigated ESP two-sided and one-sided spike electrodes were used as a discharge electrodes. The results of 2D PIVmeasurements showed that flow pattern obtained for a different spike tips positions in respect to the primary flow direction significantly changing the flow...
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Electrohydrodynamic secondary flow and particle collection efficiency in spike-plate multi-electrode electrostatic precipitator
PublicationIn this work the results of electrohydrodynamic (EHD) secondary flow measurements in a spike-plate type electrostatic precipitator (ESP) are presented. In the investigated ESP two-sided and one-sided spike electrodes were used as a discharge electrodes. The results of 2D PIV measurements showed that flow pattern obtained for a different spike tips positions in respect to the primary flow direction significantly changing the flow...