The crystal habit controls the microstructure heterogeneity of the crystalline rocks that significantly affects their mechanical behaviors. However, thus far, this effect has not been quantitatively characterized. Here we establish a grain-based model to investigate the effect of crystal habit...

In the context of developing FinTech innovation, a commercial bank's use of FinTech innovation can improve its risk management capability, thereby reducing its risk-taking. This paper explores the impact and mechanism of a bank's FinTech innovation on its risk-taking using panel data of 65...