The default risk, one of the main risk factors for bonds, should be measured and reflected in the bond yield. Particularly, in the case of financial companies that treat bonds as a major product, failure to properly identify and filter customers' workout status adversely affects returns. This study proposes a two-stage classification algorithm for…

This study examines the opportunities and challenges of employing ChatGPT in higher education, identifies essential user competencies, and evaluates its impact in the absence of formal policy guidelines. A qualitative case study design involved interviews with 10 faculty members and 10 students at a federal university in the United Arab Emirates.…