Showing 441 - 450 of 496
Persistent link: https://www.econbiz.de/10015357622
Using data from a main consumer credit bureau, we explore how fintech firms successfully compete in the unsecured personal loans (UPL) market. We find that fintech borrowers have comparable levels of banking relationships and credit bureau scores as bank borrowers, but fintech borrowers seem to...
Persistent link: https://www.econbiz.de/10013288923
This paper evaluates the impact of machine learning (ML) and alternative data (AD) on ethnic/racial bias in residential mortgage underwriting. Based on the newly enhanced Home Mortgage Disclosure Act data, we simulate data bias and AD bias and construct multiple test scenarios by interacting the...
Persistent link: https://www.econbiz.de/10013297456
Calculating risk measures can be extremely time consuming for large portfolios. Monte Carlo and historical value at risk and expected shortfall calculations can require repricing 1,000s of positions 1,000s of times. This makes risk calculations extremely challenging when the pricing functions...
Persistent link: https://www.econbiz.de/10013297512
A strategy was developed to combine TiO 2 NPs with porous polymeric fibres with a high surface area. Poly(L-lactic acid) (PLLA)@TiO 2 fibres were first electrospun, collected as fibrous membranes, and then treated with acetone. Due to the solvent-induced-recrystallization of PLLA, the solid...
Persistent link: https://www.econbiz.de/10013299701
Low-quality SNR data usually cause abnormal phases in the fitting of non-linear least squares (LLS) algorithms. This is not conducive to the effective use of multi-satellite phases. In this paper, we proposed a retrieval method of SM based on multi-satellite combinations considering detection...
Persistent link: https://www.econbiz.de/10013300429
To address the water pollution induced by pharmaceuticals, especially antibiotics, and pathogens, natural product emodin, a traditional Chinese medicine with the characteristic large π-conjugation anthraquinone structure, was used to rationally develop a novel Emodin/HAp photocatalyst by...
Persistent link: https://www.econbiz.de/10013303534
Rechargeable aqueous zinc-ion batteries (AZIBs) are promising devices for large-scale energy storages due to their high safety and low cost. Up to now, many cathode materials have been reported for AZIBs. Nevertheless, existing cathode materials still suffer from their limited specific capacity...
Persistent link: https://www.econbiz.de/10013303807
The operational data of the wind turbine can be used to determine its health status. However, in daily life, the collected wind turbine operation data are few and often accompanied by interference, which makes it difficult to perform effective fault diagnosis and fault status monitoring....
Persistent link: https://www.econbiz.de/10013304760
Lithium-ion batteries (LIBs) as a predominant power source are widely used in large-scale energy storage fields. For the next generation energy storage LIBs, it is primary to seek the high capacity and long life span electrode materials. Nickel-based metal-organic frameworks with a series...
Persistent link: https://www.econbiz.de/10013305109