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Wyniki wyszukiwania dla: credit cards
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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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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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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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Risk Scoring Models for Trade Credit in Small and Medium Enterprises
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The prototype of a wireless measurement card
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The Speedup Analysis in GEM Detector Based Acquisition System Algorithms with CPU and PCIe Cards
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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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Innovations in the payment card market: The case of Poland
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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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Segmentation of Passenger Electric Cars Market in Poland
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Adding Intelligence to Cars Using the Neural Knowledge DNA
PublikacjaIn this paper we propose a Neural Knowledge DNA based framework that is capable of learning from the car’s daily operation. The Neural Knowledge DNA is a novel knowledge representation and reasoning approach designed to support discovering, storing, reusing, improving, and sharing knowledge among machines and computing devices. We examine our framework for drivers' classification based on their driving behaviour. The experimental...
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Smart Services supporting Drivers in Effective Cars Parking
PublikacjaThe paper shows how to design and implement intelligent, service oriented systems for management of free places in distributed car parks. The idea of SOA technology is widely used. It is assumed that a state of every car park is automatically determined by a special electronic infrastructure including IoT solutions. The information received from such an infrastructure is sent to the main management system, which processes it and,...
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Application of Traction Supply System for Charging Electric Cars
PublikacjaThe development of electromobility involves the development of electric cars charging infrastructure. The increase of the number of chargers poses new demands for the AC power grid, especially in regard to its capacity of delivering high peak power. As an alternative for the public AC power grid, urban electrified transportation systems (trams, trolleybuses, and metro) can be used for supplying electric cars chargers. The article...
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Financial performance under influence of credit risk in non-financial firms: evidence from Pakistan
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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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Evaluation of the Impact of Different Types of Uncoupling on the Processing Capacity of Hump Yards
PublikacjaThe paper considers the issue of evaluating the impact of different types of uncoupling to increase the processing capacity of hump yards to ensure high technical-economic indicators in the conditions of limited capital funds. Moreover it describes the mathematical formulation of the sorting slide. For the mathematical formulation, the sorting slide is taken as a surface that is uniquely projected onto a horizontal plane. Based...
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The contribution of tire/road noise to the overal noise of cars and motocycles
PublikacjaOmówiono wływ hałasu opon i hałasu jednostki napędowej na całkowity hałas generowany przez pojazd. Zaprezentowano opracowany w Katedrze pojazdów i Maszyn Roboczych PG program VENOM do symulacji halasu pojazdów w ruchu drogowym. Przy pomocy tego programu określono wpływ zmiennych warunków ruchu drogowego na hałas generowany przez pojazd. Uwzględnioino przyspieszanie na poszczególnych biegach, hamowanie z różnymi prędkościami oraz...
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Analysis of the Impact of Charging Electric Cars on the Power System Load
PublikacjaThe paper presents ways of integrating electric cars with the power system. In connection with this, daily load curves in the average working day have been developed in the G2V (Grid-to-Vehicle) and V2G (Vehicle-to-Grid) variants. The G2V solution consists in unidirectional energy flow from the power system to a vehicle’s battery. The V2G solution consists in bi-directional energy exchange between the power system and electric...
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Kredyt kupiecki a zatory płatnicze
PublikacjaUdzielanie kredytu kupieckiego jest wpisane w działalność każdego przedsiębiorstwa. Odroczone płatności sprzyjają wzrostowi sprzedaży, ale również mogą powodować perturbacje w ich funkcjonowaniu. Sprzyjają one funkcjonowanie przedsiębiorstwa w warunkach ryzyka kredytowego, które przekształca się często w ryzyko płynności. W efekcie tworzą się zatorów płatnicze. Celem artykułu jest przedstawienie zatorów płatniczych jako skutków...
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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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<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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RDE Testing of Passenger Cars: The Effect of the Cold Start on the Emissions Results
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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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The Mechanisms of Changes in the Infrastructure of the Payment Card Market—A Comparative Analysis of Poland and China
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Lung Protection by Cathepsin C Inhibition: A New Hope for COVID-19 and ARDS?
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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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A unified approach to the analysis of electric energy and fuel consumption of cars in city traffic
PublikacjaForecasting fuel and electricity consumption is an important factor determining the direction of changes in road engineering solutions, traffic management, selection of routes for public transport and development more efficient car drive systems. With a reliable and easy-to-use computational tool, it is possible to reduce the consumption of primary energy sources and reduce the emission of toxic compounds in cities. An analysis...
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Exhaust Emission from Passenger Cars During Engine Cold Start and Warm-Up
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The effect of a low ambient temperature on the cold-start emissions and fuel consumption of passenger cars
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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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Ordered multicast protocol based on credited virtual acknowledgment
PublikacjaPrzedstawiono protokół rozgłaszania dla sieci pakietowych oparty na statystycznym przewidywaniu ruchu aplikacji. Pokazano, że wydajność protokołu zbliżona jest do optymalnej w klasie wykorzystującej potwierdzenia wirtualne.
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Is It Right To Predict Cutting Forces On The Basis Of Wood Density?
PublikacjaSeveral properties of wood can be correlated to wood density. It is widely accepted that the cutting power requirements are following this general assumption. Therefore, according to classic literature sources available for determination of the cutting power for both band- and circular- sawing machines, the cutting power requirements (and/or cutting forces) are computed as a function of the wood specific gravity SG. It was shown...
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Investigations of Ammonia Emissions from Euro 5 Passenger Cars Over a Legislative Driving Cycle
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Excess Emissions and Fuel Consumption of Modern Spark Ignition Passenger Cars at Low Ambient Temperatures
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Who cares for the environment? Pro-environmental and political opinions in relation to basic psychological needs. A person-centered approach
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Valuation of Residential Premises for the Purposes of Securing the Receivables of the Creditor in Poland
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How Health-Related Behaviors Predict Body-Esteem in Men
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Occurrence of fungi and cytotoxicity of the species: Aspergillus ochraceus, Aspergillus niger and Aspergillus flavus isolated from the air of hospital wards
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Using Redis supported by NVRAM in HPC applications
PublikacjaNowadays, the efficiency of storage systems is a bottleneck in many modern HPC clusters. High performance in the traditional approach – processing using files – is often difficult to obtain because of a model’s complexity and its read/write patterns. An alternative approach is to apply a key-value database, which usually has low latency and scales well. On the other hand, many key-value stores suffer from a limitation of memory...
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Investigations into Particulate Emissions from Euro 5 Passenger Cars with DISI Engines Tested at Multiple Ambient Temperatures
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Psychosocial stress and cortisol stress reactivity predict breast milk composition
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Cultural Beliefs About Manhood Predict Anti-LGBTQ+ Attitudes and Policies
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Application of Artificial Neural Networks to Predict Insulation Properties of Lightweight Concrete
PublikacjaPredicting the properties of concrete before its design and application process allows for refining and optimizing its composition. However, the properties of lightweight concrete are much harder to predict than those of normal weight concrete, especially if the forecast concerns the insulating properties of concrete with artificial lightweight aggregate (LWA). It is possible to use porous aggregates and precisely modify the composition...
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Descriptors to Predict Dye‐Sensitized Semiconductor Based Photocatalyst for Hydrogen Evolution Reaction
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Changes of augmentation index early after ischaemic stroke predict functional outcome
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Resting sympathetic outflow does not predict the morning blood pressure surge in hypertension
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Can chronotype and social jet lag predict burnout among physical therapists?
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