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Wyniki wyszukiwania dla: credit card payment
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Innovations in the payment card market: The case of Poland
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The Mechanisms of Changes in the Infrastructure of the Payment Card Market—A Comparative Analysis of Poland and China
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Security of export transactions in the offer of leading banks on the Polish market
PublikacjaThe 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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Consumer Bankruptcy Prediction Using Balanced and Imbalanced Data
PublikacjaThis 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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Energy Losses Due to Imperfect Payment Infrastructure and Payment Instruments
PublikacjaOne of the strategic objectives of the European Union is a reduction in greenhouse gas emissions and improvement of energy efficiency by at least 32.5% in different areas of the economy by 2030. However, little is known about the impact of payment in retail on energy consumption. The purpose of this paper is to assess the chain of losses of time and energy, and therefore financial losses, that occur due to the imperfection of payment...
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Internet payment methods in Poland
PublikacjaIn this chapter authors intended to describe wide range of aspects of the Internet payment systems. At the beginning there is briefly shown their evolution and features required for the effective payment system. Data on the popularity of different payment systems in Internet transactions links this section with description of the current state of payment systems available in Poland.
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PAYMENT TRANSACTIONS’ ENERGY EFFICIENCY
PublikacjaThe payment system and infrastructure is a sector that is not given enough attention today in the context of energy efficiency. This sector plays a big role in organizing and ensuring money circulation and funds. It has its value consisting on the one hand of the cost of payment equipment, infrastructure, payment instruments. On other hand, its value consists of the cost of energy for their manufacture and maintenance. The European...
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Economics of credit scoring management
PublikacjaCredit 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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Credit default swaps and banks
PublikacjaThis 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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Selected elements of the payment cards system in Poland
PublikacjaThe following article describes the current situation of the selected elements of the payment cards system in Poland. The first part of the paper include the most common definition as well as the abbreviated history of payment cards implementation in Poland. Next, the author presents the key numbers related to the nowadays situation on the market together with benefits of using the payment cards in the whole economic system. At...
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Acceleration of Electromagnetic Simulations on Reconfigurable FPGA Card
PublikacjaIn this contribution, the hardware acceleration of electromagnetic simulations on the reconfigurable field-programmable-gate-array (FPGA) card is presented. In the developed implementation of scientific computations, the matrix-assembly phase of the method of moments (MoM) is accelerated on the Xilinx Alveo U200 card. The computational method involves discretization of the frequency-domain mixed potential integral equation using...
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Activity-based payments: alternative (anonymous) online payment model
PublikacjaElectronic payments are the cornerstone of web-based commerce. A steady decrease in cash usage has been observed, while various digital payment technologies are taking over. They process sensitive personal information raising concerns about its potentially illicit usage. Several payment models that confront this challenge have been proposed. They offer varying levels of anonymity and readiness for adoption. The aim of this study...
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The Prospects of Retail Payment Developments in the Metaverse
PublikacjaIn the age of technological development, rapid technological progress, and the metaverse development in which humans interact with each other and with the environment using virtual real-world metaphors, payment systems may also need to be re-considered. The study aims to find an answer to the question of what should be retail payments in the metaverse and to begin interdisciplinary discussions about...
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How to model ROC curves - a credit scoring perspective
PublikacjaROC 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
PublikacjaThe 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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A role of an Enterprise Identification Card in a building process of water tourist investments
PublikacjaAn essential element of a building process for water tourist investments in Poland is a document called the Enterprise Identification Card. It is required for the investments, which are classified according to the Regulation [1] as the ones that could potentially impact the environment. It is assumed that KIP is there to protect the environment against the excessive human interference and it just provides the guidelines regarding...
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Which Curve Fits Best: Fitting ROC Curve Models to Empirical Credit-Scoring Data
PublikacjaIn 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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Ellipse-fitting algorithm implementation in the impedance measurement system based on DAQ card with FPGA
PublikacjaThe paper presents an implementation of the ellipse-fitting algorithm in the impedance measurement system based on DAQ card equipped with FPGA chip. The method implementation was tested by simulation means as well as experimentally in the designed and presented measurement system. Finally, the limit values of sampling parameters which assures satisfying accuracy were given.
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The prototype of a wireless measurement card
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AUTOMATIC LEARNING OF STRATEGY AND RULES IN CARD GAMES USING IMAGE FROM CAMERA
PublikacjaBelow work tries to answer a question: if it is possible to replace real human with computer system in social games. As a subject for experiments, card games were chosen, because they require a lot of player interaction (playing and taking cards), while their rules are easy to present in form of clear list of statements. Such a system, should allow real players to play without constant worrying about guiding or helping computer...
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Data gathering methods : card sorting
PublikacjaArtykuł przedstawia koncepcję, pochodzenie oraz zastosowania dla jednej z metod oceny użyteczności i budowania menu w aplikacjach informatycznych - sortowania kart. Stanowi część przeglądu dostępnych metod poprawy użyteczności.
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Bifractal receiver operating characteristic curves: a formula for generating receiver operating characteristic curves in credit-scoring contexts
PublikacjaThis 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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Społeczne koszty niealimentacji. The Social Costs of Default on Child Maintenance Payment.
Publikacja"Niniejszy artykuł opisuje historię kryminalizacji przestępstwa niealimentacji w polskich kodeksach karnych. We wszystkich polskich kodeksach karnych: kodeksie karnym z 1932 r., kodeksie karnym z 1969 r. oraz w kodeksie karnym z 1997 r. ujęto przestępstwo niealimentacji. Aktualna maksymalna sankcja z tytułu przestępstwa niealimentacji jest niższa niż w kodeksie karnym z 1932 r. Sankcje karne zawsze powinny być ostatecznością...
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Risk Scoring Models for Trade Credit in Small and Medium Enterprises
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<title>Data acquisition module implemented on PCI mezzanine card</title>
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<title>FPGA based PCI mezzanine card with digital interfaces</title>
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Evolutionary Game Analysis of the Partners’ Behavior in the Rural E-Payment Market of China
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Financial performance under influence of credit risk in non-financial firms: evidence from Pakistan
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QUANTITATIVE EASING POLICY AND ITS IMPACT ON THE GLOBAL ECONOMY
PublikacjaBased on the analysis of the impact of quantitative easing policies on the global economy, there was concluded that the world’s largest central banks and widespread debt stimulation have created the model of economic growth. This model was based on the productivity growth. The lack of productivity growth in the developed world, the active integration of developing countries (first of all China and India) in the global economy have...
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A Simulation Model for Risk and Pricing Competition in the Retail Lending Market
PublikacjaWe 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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Polish tax reform "Polski Ład" – consequences of introducing changes on the example of selected flat-rate tax forms for micro and small companies
PublikacjaThis article describes aspects related to the introduction of the latest tax reform in Poland. The changes initiated in January 2022, under the name Polski Ład, concern a wide range of tax changes in Poland. Reform, in a broad sense, is a multidimensional government development program, which is primarily aimed at getting out of the crisis caused by the COVID-19 pandemic and a smooth transition to financing strategic goals in investment...
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Evaluation of the fast impedance spectroscopy method in the laboratory measurement system
PublikacjaIn this paper the method for fast impedancespectroscopy of technical objects with very high impedance(|Zx| ≥ 1 GΩ) is evaluated by means of simulation and practicalexperiment. The method is based on excitation of an object, witha square pulse and measurements of voltage and currentresponses with DAQ card. The object impedance spectrum isobtained with use of continuous Fourier transform. Someimprovements of the method concerned...
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The system for remote monitoring of a vertical axis wind farm
PublikacjaThe article presents a system for remote monitoring of working parameters of a wind turbine with a vertical axis. The monitoring system was built using a Raspberry PI 3 microcomputer with the Raspbian operating system and a MicroDAQ E2000 measuring card. The developed system enables monitoring the power output of the generator, torque on the turbine shaft, turbine speed and wind speed. The values of the monitored parameters are...
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Investigation on accelerated impedance spectrum measurement method with multisine signal stimulation
PublikacjaThe paper presents an investigation on the accelerated impedance spectrum measurement method, oriented at parameter identification of technical objects modelled by a linear equivalent circuit, e.g. anticorrosion coatings.The method is based on multisine signal stimulation of an object and response analysis by triangle window filterbanks.It has several advantages, as compared with conventional point-by-point spectrum measurement....
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CURRENT SITUATION ON THE POLAND REAL ESTATE MARKET
PublikacjaIn 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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Evaluation of a sat-type fairness mechanism implemented in a dual-ring network
PublikacjaThe fairness problem was presented. Popular fairness concepts and measures were shown. The RPR fairness mechanism and the SAT mechanism were described. A modification of the SAT algorithm, adapted to the possibilities of Ethernet cards used for implementation of a dual-ring RPR-based network, was proposed. Performance of the proposed modification was measured. Jain's and Chen's fairness indexes were calculated. Effectiveness comparison...
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Credibility of Business Operations via Internet: Customer Perspective
PublikacjaTourism plays an important role in economy of Mediterranean countries. Year after year, more and more people spend or like to spend their vacations (and money) in the Mediterranean region. Hiring private apartments or houses by individual persons for themselves and their families becomes more and more popular way of vacation arrangement and, in the result, constitutes an important factor of the countries' incomes. Versatile and...
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The project of pull system for storehouse and production line in a company provides electronics
PublikacjaThe chapter below presents how to reduced delivery of the material to production by using a "Kanban schedule board" and related tools from 48 hours and 59 minutes to 41 minutes in a company provides electronics. The solution was found through analysis of the current way of supplying stands and using Just In Time idea, the reduction of ''muda''. To solve the problem was used Kanban card", which has the shape of two triangles joined...
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System setup and software for cyclic, staircase and square wave voltammetry measurements
PublikacjaHardware dedicated for electrochemical measurement sometimes does not allow performing certain voltammetry experiments. Staircase and square wave voltammetry, techniques which have many advantages comparing with standard voltammetric techniques, are rarely implemented in software controlling electrochemical measuring equipment. These methods, however, can be relatively easy realized with some addition...
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Performance evaluation of the parallel object tracking algorithm employing the particle filter
PublikacjaAn algorithm based on particle filters is employed to track moving objects in video streams from fixed and non-fixed cameras. Particle weighting is based on color histograms computed in the iHLS color space. Particle computations are parallelized with CUDA framework. The algorithm was tested on various GPU devices: a desktop GPU card, a mobile chipset and two embedded GPU platforms. The processing speed depending on the number...
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Education at the Faculty of Mechanical Engineering of the Gdańsk University of Technology
PublikacjaFaculty 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
PublikacjaFaculty 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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Influence of Toll Collection Method on Motorways on Traffic Safety and Efficiency
PublikacjaThe 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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3D Sound Intensity Measurement Around Organ Pipes Using Acoustic Vector Sensors
PublikacjaThe aim of the presented paper was to obtain and visualize sound intensity distribution of radiated acoustic energy around the organ pipes. The experimental setup consisted of the multichannel acoustic vector sensor and the specialized Cartesian robot. Measurements were performed in free field with spatial resolution of 0.1 [m]. Two organ pipes, i.e. wooden and metal were measured during the ex-periment. The organ pipes were activated...
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FPGA Acceleration of Matrix-Assembly Phase of RWG-Based MoM
PublikacjaIn this letter, the field-programmable-gate-array accelerated implementation of matrix-assembly phase of the method of moments (MoM) is presented. The solution is based on a discretization of the frequency-domain mixed potential integral equation using the Rao-Wilton-Glisson basis functions and their extension to wire-to-surface junctions. To take advantage of the given hardware resources (i.e., Xilinx Alveo U200 accelerator card),...
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Symulacja skrócenia procesu kompletacji z wykorzystaniem karty przebiegu czynności na przykładzie wybranego marketu DIY
PublikacjaW artykule przeanalizowano zagadnienia dotyczące gospodarki magazynowej, wykorzystania infrastruktur magazynowej i manipulacyjnej oraz zagospodarowania przestrzeni magazynowej w zakresie realizowanych procesów w magazynie wybranego marketu budowlanego DIY (ang. Do-It-Yourself). Z wykorzystaniem takich narzędzi, jak mapa procesu oraz karta przebiegu czynności przeprowadzono analizę procesu kompletacji towarów dla wybranego zamówienia...
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FORECASTING EXCHANGE RATES IN THE PROCESS OF THE ASSESSMENT OF CONSUMER RISK BANKRUPTCY IN CENTRAL EUROPE
PublikacjaThis paper focuses on the issue of forecasting the fluctuation of exchange rates as part of the early warning system against the risk of consumer bankruptcy. The author identified the main macroeconomic factors affecting the level of bankruptcies for households in Poland. The fluctuation of exchange rates, which directly affects the deterioration of the economic situation of borrowers who have opened credit accounts in a foreign...
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PROMOWANIE USUGI PRZELEWU NATYCHMIASTOWEGO BLUECASH W BANKACH SPÓŁDZIELCZYCH
PublikacjaCelem pracy jest prezentacja Systemu Płatności BlueCash, którego operatorem jest firma Blue Media S.A.. Wskazuje on również na charakterystykę usługi szybkiego przelewu. Celem szczegółowym jest wskazanie na formy promocji stosowane przez banki w celu poinformowania klientów o dostępności płatności natychmiastowych. Tytułem zebrania danych na temat form promocji, autor przeprowadził badanie ankietowe pośród banków uczestników systemu płatności.
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ROLA I ZNACZENIE SYSTEMÓW PRZELEWÓW NATYCHMIASTOWYCH A OBRÓT BEZGOTÓWKOWY W POLSCE
PublikacjaCelem pracy jest opis systemów szybkich przelewów w Polsce z uwagi na rosnące znaczenie obrotu bezgotówkowego. Artykuł wskazuje na genezę powstania systemów oraz ich rosnące znaczenie na rynku usług płatniczych. Celem szczegółowym jest zobrazowanie wzrostu liczby i wartości transakcji zrealizowanych przez systemy płatności natychmiastowych w Polsce oraz odniesienie wolumenu do statystyk systemu Elixir. Autor obrazuje korzyści płynące...
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Glosa aprobująca do wyroku Izby Karnej Sądu Najwyższego z 29 maja 2018 r. o sygn. akt II KK 99/18. A comment of approval on the verdict of 29 May 2018 issued by the Criminal Law Chamber of the Polish Supreme Court (II KK 99/18).
Publikacja"Glosowany wyrok Sądu Najwyższego dotyczy problematyki orzekania o czynach przeciwko mieniu, w stosunku do których od 9 listopada 2013 r. kryterium uznania danego czynu za przestępstwo albo za wykroczenie stanowi określony w kodeksie wykroczeń wskaźnik minimalnego wynagrodzenia za pracę. We wskazanym zakresie należy mieć na uwadze minimalne wynagrodzenie z daty orzekania w przedmiocie odpowiedzialności za taki czyn, a nie z...