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检索条件"丛书名=Lecture Notes in Networks and Systems"

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Evolution of Fintech Companies in Guatemala from Prepandemic to Post Pandemic Period and the Options of Fintech Companies as Financial Provider for Projects 11th

Evolution of Fintech Companies in Guatemala from Prepandemic...

引用

11st World Conference on Information systems and Technologies (WorldCIST)

作者： Martinez-Mendez, Stephen David Navarro, Fauricio Alban Conejo Jadan-Guerrero, Janio Univ Galileo Gest & Direcc Proyectos Ciudad De Guatemala Guatemala Univ Latina Costa Rica San Jose Costa Rica Univ Tecnol Indoamer Ctr Invest Mectron & Sistemas Interact MIST Quito Ecuador

ISBN: (纸本)9783031456473;9783031456480

On the Pre-pandemic time most of the projects were traditional financial banking methods, that means the biggest companies had have receive 85%, leaving only the 15% for the Small and medium-sized enterprises (SMEs), in the pandemic period financial risk increased and trying to figure out how to survive the biggest companies update them technology for e-commers but SMEs did not have enough money to do it, for that reason they found a solution on fintech technologies. As a result, in the post pandemic era, fintech companies began to have a huge relevance not only as a technology supplier but also as financial provider. The main reason of this research is to find out if Fintech companies could be provider for projects to big companies and SMEs, the outcome shows that project managers of different industries see e-money as a secure payment method and with the fintech establishment on the economic scene they begin to feal more comfortable with the idea of using fintech companies as financial provider for projects in them companies. This research was carried out under the descriptive method, The tool selected to collect information was Google Forms, in this tool a multiple-choice survey was created, and email was sent with access to the survey. The results allow us to understand that they can be a permanent and reliable source to finance projects of different types of industries.

关键词： Prepandemic Pandemic Post pandemic Fintech Projects Financial

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Credit Risk Scoring: A Stacking Generalization Approach 1

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11st World Conference on Information systems and Technologies (WorldCIST)

作者： Raimundo, Bernardo Bravo, Jorge M. NOVA IMS Univ Nova Lisboa Lisbon Portugal MagIC Lisbon Portugal Univ Paris Dauphine PSL Lisbon Portugal ISCTE IUL Business Res Unit BRU IUL Lisbon Portugal CEFAGE UE Lisbon Portugal

ISBN: (数字)9783031456428

ISBN: (纸本)9783031456411;9783031456428

Forecasting the creditworthiness of customers in newand existing loan contracts is a central issue of lenders' activity. Credit scoring involves the use of analytical methods to transform historical loan application and loan performance data into credit scores that signal creditworthiness, inform, and determine credit decisions, determine credit limits, and loan rates, and assist in fraud detection, delinquency intervention, or loss mitigation. The standard approach to credit scoring is to pursue a "winner-take-all" perspective by which, for each dataset, a single believed to be the "best" statistical learning or machine learning classifier is selected from a set of candidate approaches using some method or criteria often neglecting model uncertainty. This paper empirically investigates the predictive accuracy of single-based classifiers against the stacking generalization approach in credit risk modelling using real-world peer-to-peer lending data. The findings show that stacking ensembles consistently outperform most traditional individual credit scoring models in predicting the default probability. Moreover, the findings show that adopting a feature selection process and hyperparameter tuning contributes to improving the performance of individual credit risk models and the super-learner scoring algorithm, helping models to be simpler, more comprehensive, and with lower classification error rates. Improving credit scoring models to better identify loan delinquency can substantially contribute to reducing loan impairments and losses leading to an improvement in the financial performance of credit institutions.

关键词： Credit scoring Ensemble learning Probability of default Stacking generalization Risk management

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Towards a Cybersecurity Awareness Plan for Casinos: An Initial Review for Internal Workers 1

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11st World Conference on Information systems and Technologies (WorldCIST)

作者： Diaz, Jaime Guzman, Rodrigo Arango-Lopez, Jeferson Hochstetter, Jorge Ramirez, Gabriel M., V Moreira, Fernando Univ La Frontera Dept Cs Computac & Informat Temuco Chile Consultora Tecnol RGIT Temuco Chile Univ Caldas Dept Sistemas & Informat Manizales Colombia Univ Medellin Fac Ingn Medellin Colombia Univ Portucalense REMIT IJP Porto Portugal Univ Aveiro IEETA Aveiro Portugal

ISBN: (数字)9783031456428

ISBN: (纸本)9783031456411;9783031456428

Public and private institutions have invested in IT to increase their information security. Along with investments, the human factor is dominant. In that sense, countries have also implemented their own Computer Security Incident Response Teams (CSIRTs), whose main objective is to minimize and control the damage in case of a security breach. In the case of the Chilean government, with its CSIRT, they propose newguidelines for IT standards related to cybersecurity in the country's gaming casinos. This incorporation includes creating internal policies, procedures, protocols, and procurement. The objective of this article is to design a model for creating a cybersecurity awareness and education campaign based on the recommendations of the National Institute of Standards and Technology (NIST) and ISO 27001. The methodology consists of the evaluation of these alternatives and the declaration of 5 preliminary stages. On this occasion, we evaluated the first of them, evaluating all the internal workers of the company to form the subsequent initiatives.

关键词： cybersecurity awareness policy development electronic commerce education

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Balancing Plug-In for Stream-Based Classification 1

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11st World Conference on Information systems and Technologies (WorldCIST)

作者： de Arriba-Perez, Francisco Garcia-Mendez, Silvia Leal, Fatima Malheiro, Benedita Burguillo-Rial, Juan Carlos Univ Vigo atlanTTic Informat Technol Grp Vigo Spain Univ Portucalense REMIT Porto Portugal INESC TEC Porto Portugal Polytech Inst Porto ISEP Porto Portugal

ISBN: (数字)9783031456428

ISBN: (纸本)9783031456411;9783031456428

The latest technological advances drive the emergence of countless real-time data streams fed by users, sensors, and devices. These data sources can be mined with the help of predictive and classification techniques to support decision-making in fields like e-commerce, industry or health. In particular, stream-based classification is widely used to categorise incoming samples on the fly. However, the distribution of samples per class is often imbalanced, affecting the performance and fairness of machine learning models. To overcome this drawback, this paper proposes Bplug, a balancing plug-in for stream-based classification, to minimise the bias introduced by data imbalance. First, the plugin determines the class imbalance degree and then synthesises data statistically through non-parametric kernel density estimation. The experiments, performed with real data from Wikivoyage and Metro of Porto, show that Bplug maintains inter-feature correlation and improves classification accuracy. Moreover, it works both online and offline.

关键词： Data bias fairness imbalanced data sets machine learning algorithm stream classification

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Preliminary Research to Propose a Master Data Management Framework Aimed at Triggering Data Governance Maturity 1

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11st World Conference on Information systems and Technologies (WorldCIST)

作者： Guerreiro, Leonardo Bernardo, Maria do Rosario Martins, Jose Goncalves, Ramiro Branco, Frederico Univ Tras Os Montes & Alto Douro Vila Real Portugal Univ Aberta Lisbon Portugal Inst Politecn Braganca Braganca Portugal AquaValor Ctr Valorizacao & Transferencia Tecnol Chaves Portugal INESC TEC Porto Portugal

ISBN: (数字)9783031456459

ISBN: (纸本)9783031456442;9783031456459

Data management solutions became highly expensive and ineffective mainly due to the lack of transparent processes and procedures to measure and provide clear guidance on the steps needed to implement them. The organizations and specialists agree that the only manner solve the data management issues requires the implementation of data governance. Many of those attempts had failed previously because they were based only on IT, with rigid processes and activities frequently split by systems or the areas supported by systems and their data. It shows that Data governance has been acquiring significant relevance. However, a consensus or even a holist approach was not achieved so far. This paper that is part of an ongoing thesis research that aims to identify the main gaps and opportunities by summarizing and study the literature consistently and as result at the end of the research it will propose a standard framework for data governance measuring its impact on the Data Governance maturity level before and after its implementation and thus as contribute to the community by trying to mitigate the problems found.

关键词： Data Governance Framework DAMA DMBOK2

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Augmented Reality in E-Commerce: A Review of Current Applications, Opportunities, and Challenges 8th

Augmented Reality in E-Commerce: A Review of Current Applica...

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8th Smart Trends in Computing and Communications (SmartCom)

作者： Shah, Rima Ganpat Univ FSSH Mehsana Gujarat India Dr Babasaheb Ambedkar Open Univ Sch Comp Sci Ahmadabad Gujarat India

ISBN: (纸本)9789819713127;9789819713134

Augmented reality (AR) technology has emerged as a promising tool for enhancing the shopping experience in e-commerce (Alalwan et al. in Int J Retail Distrib Manag 45:458-472, 2017). This research paper provides a comprehensive review of the current state of research on augmented reality in e-commerce. The paper begins with an overview of the history and development of augmented reality technology and its current applications in e-commerce (Cho and Kim in Int J Hum Comput Interact 35:1513-1523, 2019). The paper then reviews the opportunities and challenges of using augmented reality in e-commerce, including the impact on consumer behavior, marketing strategies, and the supply chain. The research methodology used to investigate the research question is also presented, including the sample size, data collection instruments, data analysis techniques, and ethical considerations (Alalwan et al. in Int J Retail Distrib Manag 45:458-472, 2017). The results of the research are presented and interpreted in the discussion section, followed by recommendations for future research and practice.

关键词： Augmented reality AR Virtual reality E-commerce

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Active Restoration of Lost Audio Signals Using Machine Learning and Latent Information 1

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Intelligent systems Conference (IntelliSys)

作者： Cheddad, Zohra Adila Cheddad, Abbas Univ Freres Mentouri I Dept Math Constantine 25017 Algeria Blekinge Inst Technol Dept Comp Sci S-37179 Karlskrona Sweden

ISBN: (数字)9783031477218

ISBN: (纸本)9783031477201;9783031477218

Digital audio signal reconstruction of a lost or corrupt segment using deep learning algorithms has been explored intensively in recent years. Nevertheless, prior traditional methods with linear interpolation, phase coding and tone insertion techniques are still in vogue. However, we found no research work on reconstructing audio signals with the fusion of dithering, steganography, and machine learning regressors. Therefore, this paper proposes the combination of steganography, halftoning (dithering), and state-of-the-art shallow and deep learning methods. The results (including comparing the SPAIN, Autoregressive, deep learning-based, graph-based, and other methods) are evaluated with three different metrics. The observations from the results show that the proposed solution is effective and can enhance the reconstruction of audio signals performed by the side information (e.g., Latent representation) steganography provides. Moreover, this paper proposes a novel framework for reconstruction from heavily compressed embedded audio data using halftoning (i.e., dithering) and machine learning, which we termed the HCR (halftone-based compression and reconstruction). This work may trigger interest in optimising this approach and/or transferring it to different domains (i.e., image reconstruction). Compared to existing methods, we show improvement in the inpainting performance in terms of signal-to-noise ratio (SNR), the objective difference grade (ODG) and Hansen's audio quality metric. In particular, our proposed framework outperformed the learning-based methods (D2WGAN and SG) and the traditional statistical algorithms (e.g., SPAIN, TDC, WCP).

关键词： Audio reconstruction Halftoning Steganography Machine learning

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The Role of Digital Marketing in the Process of Musical Events' Participation 1

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11st World Conference on Information systems and Technologies (WorldCIST)

作者： Vieira, Elvira Fonseca, Manuel Borges, Ana Pinto Vieira, Bruno Miguel IPVC Polytech Inst Viana do Castelo Porto Portugal UNIAG Appl Management Res Unit Porto Portugal ISAG European Business Sch Porto Portugal FCVC CICET Res Ctr Business Sci & Tourism Porto Portugal Ctr Res Org Markets & Ind Management COMEGI Porto Portugal

ISBN: (数字)9783031456510

ISBN: (纸本)9783031456503;9783031456510

This paper intends to study the importance of digital marketing to attract participants to musical events. We use the case of NOS Primavera Sound, and we analysed the 2022 edition, which contemplated 1126 valid responses. To reach our objective we ran a logit model and verified that the sociodemographic characteristics present a different impact on digital marketing tools (when compared to other means of communication). The results of this study established that participants can be influenced to participate in the music festival through various digitalmarketing tools while being sensitive to the two characteristics themselves.

关键词： Social networks Music Festival Digital Marketing Communication NOS Primavera Sounds

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An Overview on Diagnosis of Endometriosis Disease Based on Machine Learning Methods 9th

An Overview on Diagnosis of Endometriosis Disease Based on M...

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9th International Congress on Information and Communication Technology (ICICT)

作者： Scutelnicu, Liviu-Andrei Maftei, Radu Luca, Mihaela Alexandru Ioan Cuza Univ Fac Comp Sci Gen Berthelot St 16 Iasi 700483 Romania Romanian Acad Inst Comp Sci Iasi Branch T Codrescu St 2 Iasi 700481 Romania Univ Med & Pharm Grigore T Popa Fac Med Dept Mother & Child Med Univ St 16 Iasi 700115 Romania Clin Hosp Obstet & Gynecol Cuza Voda Cuza Voda St 34 Iasi 700038 Romania Origyn Fertil Ctr Palace St 3C Iasi 700032 Romania

ISBN: (纸本)9789819732883;9789819732890

Endometriosis is a complex gynecological condition characterized by the presence of endometrial-like tissue outside the uterus. Diagnosis and management of endometriosis are challenging due to diverse clinical manifestations and lack of definitive diagnostic methods. Medical imaging, particularly ultrasound and magnetic resonance imaging (MRI), has shown potential in visualizing and assessing endometriosis lesions. In this research paper, we review recent advances in machine learning algorithms applied to endometriosis diagnosis, focusing on the importance of training datasets in improving diagnostic accuracy. We analyze the contributions of various studies and discuss the challenges and future directions in this field.

关键词： Endometriosis Machine learning Training datasets Accuracy

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Design of a Web Platform for Smoke and Flood Monitoring in a Data Center Based on the Internet of Things (IoT) 1

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13th Computer Science Online Conference

作者： Fernandez, Leonardo Vidal Armas, Jhon Chavez Segura, Guillermo Zarate Univ Tecnolog Peru Fac Ingn Lima Peru

ISBN: (数字)9783031703003

ISBN: (纸本)9783031702990;9783031703003

This project aimed to develop a fire and flood risk monitoring system in a data center by applying Internet of Things (IoT) technology. A powerful wireless network was implemented, comprising a microcontroller, two sensors and a user interface (ubidots). The sensors periodically transmit data to the microcontroller, which sends this information to a cloud server to be accessible through a user interface. When any of the values of the variables reaches a predefined threshold, an alert is sent to the graphical interface through the microcontroller and the user is alerted.

关键词： Ubidots data center sensors IoT monitoring microprocessor

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