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To better prevent the potential risks in Internet-based Supply Chain Financing (SCF) products, this paper optimizes and evaluates the Internet-based SCF-oriented Credit Risk Evaluation (CRE) method. Firstly, this paper summarizes 12 risk factors of SCF business, establishes a Risk Assessment Index System (RAIS) with good consistency and stability; then, the principles of Backpropagation (BP) Neural Network (NN) is expounded together with Support Vector Machines (SVM) and Genetic Algorithm (GA) model. Consequently, a CRE model is implemented by the NN tools in MATLAB based on the collection of multiple groups of SCF-oriented risk assessment samples. Subsequently, the assessment samples are trained and tested. Finally, the SCF-oriented CRE model is proposed and verified. The results show that the BP-GA model has presented high prediction consistency with the actual classification. According to the comparison of classification results of SVM, BP model, and BP-GA model, the classification accuracy of test samples of the proposed Internet-based SCF-oriented CRE system using BP-GA model reaches 97.19%; the Type I and Type II error rate of the CRE system based on BP-GA model is 7.2% and 14.21%, respectively. Therefore, a suitable SCF-oriented CRE method is put forward for China’s commercial banks along with scientific and feasible suggestions to manage SCF-oriented credit risks more reasonably and effectively.

PurposeThe aim of the paper is to identify management practices that are characteristic for SMEs that achieve market success measured by their business performance in last their years of their operation analyze the relationships between management practices applied in small and medium-sized enterprises and their success measured by their business performance drawing on the data from 2710 SMEs operating on the Polish market.Approach/Methodology/DesignA cluster analysis was used to distinguish homogenous SME groups in view of their management practices. We examined differences between groups in terms of their business performance. The HINoV algorithm allowed six variables to be selected out of 32 management practices chosen initially for testing, with these variables providing the basis for grouping. Modal values and medians were calculated for 17 business performance measures in the three clusters produced. The subsequent analysis of those findings was focused on capturing significant differences.FindingsIn the group of 2710 Polish SMEs, it was possible to verify that there existed an association between management practices in the field of modern HRM, computer systems supporting management and the company’s economic performance, as measured by an increase in net revenue and number of customers over the last three years. In clusters where the above mentioned practices were appreciated, modal and median values of the increase reported in net revenue and number of customers were significantly higher.Practical implicationsThe research has shown that at a time marked by a shortage of highly skilled personnel one should pay particular attention to building an integrated and committed team of workers and to employee empowerment. The research has also shown that SME managers monitor only a fraction of basic business performance measures, which may prove to be a major risk to SMEs.Originality/ValuePrevious studies have been largely conducted in a fragmentary manner, i.e. they were concerned with the relationships between the application of some practices (strategic management, BPR, entrepreneurial orientation, monitoring, etc.) and selected business effectiveness measures. In this paper, the research covered SME management practices from a variety of areas which were then compared with the entrepreneurs’ assessment as to whether the company’s economic condition changed over the last three years. It is also the first attempt in post-socialist economies to identify those SME management practices that are related to better economic results.

The analysis of brain-imaging data requires complex and often non-linear transformations to support findings on brain function or pathologies. And yet, recent work has shown that variability in the choices that one makes when analyzing data can lead to quantitatively and qualitatively different results, endangering the trust in conclusions1–3. Even within a given method or analytical technique, numerical instabilities could compromise findings4–7. We instrumented a structural-connectome estimation pipeline with Monte Carlo Arithmetic8, 9, a technique to introduce random noise in floating-point computations, and evaluated the stability of the derived connectomes, their features10, 11, and the impact on a downstream analysis12, 13. The stability of results was found to be highly dependent upon which features of the connectomes were evaluated, and ranged from perfectly stable (i.e. no observed variability across executions) to highly unstable (i.e. the results contained no trustworthy significant information). While the extreme range and variability in results presented here could severely hamper our understanding of brain organization in brain-imaging studies, it also leads to an increase in the reliability of datasets. This paper highlights the potential of leveraging the induced variance in estimates of brain connectivity to reduce the bias in networks alongside increasing the robustness of their applications in the detection or classification of individual differences. This paper demonstrates that stability evaluations are necessary for understanding error and bias inherent to scientific computing, and that they should be a component of typical analytical workflows.

Online virtual museum tours combine museum authority and an academic approach with the diversity and interactivity of online resources; such tours have become an essential resource for online scientific research and education. Many important museums around the world are developing this type of online service. Comprehensive evaluation of such tours is, however, urgently needed to ensure effectiveness. This paper establishes a heuristic evaluation scale based on the literature. Taking the online virtual tour of the Exhibition of Architecture of the Forbidden City as a case study, confirmatory factor analysis was then carried out to improve the scale. Interviews were conducted to discuss and analyze the research results. The developed evaluation scale has four dimensions: authenticity, interaction, navigation, and learning. The results from the case study showed, first, that the exhibition had visual authenticity, but the behavioral authenticity was insufficient; second, the exhibition was generally interactive, but this aspect could be improved by enriching the links; third, the lack of effective navigation design for the exhibit was the main factor affecting experience quality. Fourth, the exhibition was informative and supported learning, but needs further improvement to the quantity and quality of information provided. Finally, the interviews revealed that the online exhibition did not entirely support people of different ages and abilities, so it needs further improvement to be wholly inclusive.

Instance segmentation is more challenging and difficult than object detection and semantic segmentation. It paves the way for the realization of a complete scene understanding, and has been widely used in robotics, automatic driving, medical care, and other aspects. However, there are some problems in instance segmentation methods, such as the low detection efficiency for low-resolution objects and the slow detection speed of images with complex backgrounds. To solve these problems, this paper proposes an instance segmentation method with multi-scale attention, which is called a Hybrid Kernel Mask R-CNN. Firstly, the hybrid convolution kernel is constructed by combining different kernels and groups, which can complement each other to extract rich information. Secondly, a multi-scale attention mechanism is designed by assign weights to different convolution kernels, which can retain more important information. After the introduction of our strategy, the network is more inclined to focus on the low-resolution objects in the image. The proposed method achieves the best accuracy over the anchor-based method. To verify the universality of the model, we test Hybrid Kernel Mask R-CNN on Balloon, xBD and COCO datasets. The test results exceed the state of art methods. And the visualization results show our method can extract low-resolution objects effectively.

Social media represent an important source of news for many users. They are, however, affected by misinformation and they might be playing a role in the growth of political polarization. In this paper, we create an agent based model to investigate how policing content and backlash on social media (i.e. conflict) can lead to an increase in polarization for both users and news sources. Our model is an advancement over previously proposed models because it allows us to study the polarization of both users and news sources, the evolution of the audience connections between users and sources, and it makes more realistic assumptions about the starting conditions of the system. We find that the tendency of users and sources to avoid policing, backlash and conflict in general can increase polarization online. Specifically polarization comes from the ease of sharing political posts, intolerance for opposing points of view causing backlash and policing, and volatility in changing one’s opinion when faced with new information. On the other hand, it seems that the integrity of a news source in trying to resist the backlash and policing has little effect.

The Monitoring and Analysis Centre for the fight against money laundering is a valid financial information body which is responsible for collecting, analysing and providing financial information and conducting international exchanges of financial information for relevant undertakings. By constructing the analysis of the monitoring of the local and foreign currency and of the data transmission subsystem in the plan for the transitional period against In the light of the above, the Commission will continue to monitor the implementation of the acquis in the light of the progress made in implementing the acquis future new systems. The purpose of this paper is to study the research and implementation of the security control of the anti-money laundering monitoring and analysis system. This article studies the application of decision tree analysis technology in the anti-money laundering monitoring system of insurance companies to achieve the purpose of improving the anti-money laundering monitoring technology and capabilities of insurance companies. The emergence of data mining technology provides a new system solution for anti-money laundering monitoring. For insurance anti-money laundering, how to find potential money laundering cases in suspicious and large surrender transactions is key. The experimental data show that the decision tree method is the best predictor of the customer category between the insurance application and the surrender days. The decision tree analysis technology has greatly improved the security monitoring capabilities of the insurance in the anti-money laundering monitoring system. Experimental data shows that the security control capabilities of the anti-money laundering monitoring and analysis system make the accuracy of the entire model reach 95%, the accuracy of large and suspicious transactions reaches 88.6%, and the correct classification of customers is about 99.6%.

Understanding how textual information impacts financial market volatility has been one of the growing topics in financial econometric research. In this paper, we aim to examine the relationship between the volatility measure that is extracted from GARCH modelling and textual news information both publicly available and from subscription, and the performances of the two datasets are compared. We utilize a latent Dirichlet allocation method to capture the dynamic features of the textual data overtime by summarizing their statistical outputs, such as topic distributions in documents and word distributions in topics. In addition, we transform various measures representing the popularity and diversity of topics to form predictors for a rolling regression model to assess the usefulness of textual information. The proposed method captures the statistical properties of textual information over different time periods and its performance is evaluated in an out-of-sample analysis. Our results show that the topic measures are more useful for predicting our volatility proxy, the unexplained variance from the GARCH model than the simple moving average. The finding indicates that our method is helpful in extracting significant textual information to improve the prediction of stock market volatility.

In this work, we proposed a hybrid pointer network (HPN), an end-to-end deep reinforcement learning architecture is provided to tackle the travelling salesman problem (TSP). HPN builds upon graph pointer networks, an extension of pointer networks with an additional graph embedding layer. HPN combines the graph embedding layer with the transformer’s encoder to produce multiple embeddings for the feature context. We conducted extensive experimental work to compare HPN and Graph pointer network (GPN). For the sack of fairness, we used the same setting as proposed in GPN paper. The experimental results show that our network significantly outperforms the original graph pointer network for small and large-scale problems. For example, it reduced the cost for travelling salesman problems with 50 cities/nodes (TSP50) from 5.959 to 5.706 without utilizing 2opt. Moreover, we solved benchmark instances of variable sizes using HPN and GPN. The cost of the solutions and the testing times are compared using Linear mixed effect models. We found that our model yields statistically significant better solutions in terms of the total trip cost. We make our data, models, and code publicly available https://github.com/AhmedStohy/Hybrid-Pointer-Networks.

There is a growing interest in the application of artificial intelligence (AI) to orthopaedic surgery. This review aims to identify and characterise research in this field, in order to understand the extent, range and nature of this work, and act as springboard to stimulate future studies. A scoping review, a form of structured evidence synthesis, was conducted to summarise the use of AI in orthopaedics. A literature search (1946–2019) identified 222 studies eligible for inclusion. These studies were predominantly small and retrospective. There has been significant growth in the number of papers published in the last three years, mainly from the USA (37%). The majority of research used AI for image interpretation (45%) or as a clinical decision tool (25%). Spine (43%), knee (23%) and hip (14%) were the regions of the body most commonly studied. The application of artificial intelligence to orthopaedics is growing. However, the scope of its use so far remains limited, both in terms of its possible clinical applications, and the sub-specialty areas of the body which have been studied. A standardized method of reporting AI studies would allow direct assessment and comparison. Prospective studies are required to validate AI tools for clinical use.

Light fidelity (LiFi) uses different forms of orthogonal frequency division multiplexing (OFDM), including DC biased optical OFDM (DCO-OFDM). In DCO-OFDM, the use of a large DC bias causes optical power inefficiency, while a small bias leads to higher clipping noise. Hence, finding an appropriate DC bias level for DCO-OFDM is important. This paper applies machine learning (ML) algorithms to find optimum DC-bias value for DCO-OFDM based LiFi systems. For this, a dataset is generated for DCO-OFDM using MATLAB tool. Next, ML algorithms are applied using Python programming language. ML is used to find the important attributes of DCO-OFDM that influence the optimum DC bias. It is shown here that the optimum DC bias is a function of several factors including, the minimum, the standard deviation, and the maximum value of the bipolar OFDM signal, and the constellation size. Next, linear and polynomial regression algorithms are successfully applied to predict the optimum DC bias value. Results show that polynomial regression of order 2 can predict the optimum DC bias value with a coefficient of determination of 96.77% which confirms the effectiveness of the prediction.

In this paper, a new mathematical model is formulated that describes the interaction between uninfected cells, infected cells, viruses, intracellular viral RNA, Cytotoxic T-lymphocytes (CTLs), and antibodies. Hence, the model contains certain biological relations that are thought to be key factors driving this interaction which allow us to obtain precise logical conclusions. Therefore, it improves our perception, that would otherwise not be possible, to comprehend the pathogenesis, to interpret clinical data, to control treatment, and to suggest new relations. This model can be used to study viral dynamics in patients for a wide range of infectious diseases like HIV, HPV, HBV, HCV, and Covid-19. Though, analysis of a new multiscale HCV model incorporating the immune system response is considered in detail, the analysis and results can be applied for all other viruses. The model utilizes a transformed multiscale model in the form of ordinary differential equations (ODE) and incorporates into it the interaction of the immune system. The role of CTLs and the role of antibody responses are investigated. The positivity of the solutions is proven, the basic reproduction number is obtained, and the equilibrium points are specified. The stability at the equilibrium points is analyzed based on the Lyapunov invariance principle. By using appropriate Lyapunov functions, the uninfected equilibrium point is proven to be globally asymptotically stable when the reproduction number is less than one and unstable otherwise. Global stability of the infected equilibrium points is considered, and it has been found that each equilibrium point has a specific domain of stability. Stability regions could be overlapped and a bistable equilibria could be found, which means the coexistence of two stable equilibrium points. Hence, the solution converges to one of them depending on the initial conditions.

Cyber insurance is a risk management option to cover financial losses caused by cyberattacks. Researchers have focused their attention on cyber insurance during the last decade. One of the primary issues related to cyber insurance is estimating the premium. The effect of network topology has been heavily explored in the previous three years in cyber risk modeling. However, none of the approaches has assessed the influence of clustering structures. Numerous earlier investigations have indicated that internal links within a cluster reduce transmission speed or efficacy. As a result, the clustering coefficient metric becomes crucial in understanding the effectiveness of viral transmission. We provide a modified Markov-based dynamic model in this paper that incorporates the influence of the clustering structure on calculating cyber insurance premiums. The objective is to create less expensive and less homogenous premiums by combining criteria other than degrees. This research proposes a novel method for calculating premiums that gives a competitive market price. We integrated the epidemic inhibition function into the Markov-based model by considering three functions: quadratic, linear, and exponential. Theoretical and numerical evaluations of regular networks suggested that premiums were more realistic than premiums without clustering. Validation on a real network showed a significant improvement in premiums compared to premiums without the clustering structure component despite some variations. Furthermore, the three functions demonstrated very high correlations between the premium, the total inhibition function of neighbors, and the speed of the inhibition function. Thus, the proposed method can provide application flexibility by adapting to specific company requirements and network configurations.

Quantum signature is the use of the principles of quantum computing to establish a trusted communication between two parties. In this paper, a quantum signature scheme using amplitude amplification techniques will be proposed. To secure the signature, the proposed scheme uses a partial diffusion operator and a diffusion operator to hide/unhide certain quantum states during communication. The proposed scheme consists of three phases, preparation phase, signature phase and verification phase. To confuse the eavesdropper, the quantum states representing the signature might be hidden, not hidden or encoded in Bell states. It will be shown that the proposed scheme is more secure against eavesdropping when compared with relevant quantum signature schemes.

In this paper, we presentautopsych, a novel online tool that allows school assessment experts, test developers, and researchers to perform routine psychometric analyses and equating of student test data and to examine the effect of student demographic and group conditions on student test performance. The app extends current open-source software by providing (1) extensive embedded result narration and summaries for written reports, (2) improved handling of partial credit data via customizable item-person Wright maps, (3) customizable item- and person-flagging systems, (4) item-response theory model constraints and controls, (5) many-facets Rasch analysis to examine item bias, (6) Rasch fixed item equating for mapping student ability across test forms, (7) tabbed spreadsheet outputs and immediate options for secondary data analysis, (8) customizable graphical color schemes, (9) extended ANOVA analysis for examining group differences, and (10) inter-rater reliability analyses for the verifying the consistency of rater scoring systems. We present the app’s architecture and functionalities and test its performance with simulated and real-world small-, medium-, and large-scale assessment data. Implications and planned future developments are also discussed.