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…

We have maintained the customer grade system that is being implemented to customers with excellent performance through customer segmentation for years. Currently, financial institutions that operate the customer grade system provide similar services based on the score calculation criteria, but the score calculation criteria vary from the financial…

This volume, comprising eight chapters from experts in a variety of fields, examines the use of three-dimensional (3D) and virtual reality (VR) technologies in research and teaching, and the library's vital role in supporting this work. 3D modeling, 3D capture techniques, and VR enable faculty and students to engage with highly detailed 3D…

Precision medicine refers to the delivering of customized treatment to patients based on their individual characteristics, and aims to reduce adverse events, improve diagnostic methods, and enhance the efficacy of therapies. Among efforts to achieve the goals of precision medicine, researchers have used observational data for developing predictive…

In this article, we analyze international students' perceptions of their needs when going abroad. The trend toward internationalization and the increase in mobility drives the agenda for globalization in many higher education institutions, and in some cases without any clear strategy for identifying the possible needs of international students.…

This study measured the emotional responses of students to common service learning activities. Two hypotheses focused on (1) expected changes in the mean emotion scores and (2) expected differences in individual responses. Results showed significant increases in Surprise, Anxiety and Distress and individual differences in Contempt, Disgust and…

Online laboratories are useful and valuable resources in high education, especially in engineering studies. This work presents a methodology to create effective laboratories for learning that interact with a Learning Management System (LMS) to achieve advanced integration. It is based on pedagogical aspects and considers not only the laboratory…

Computational models that automatically detect learners' affective states are powerful tools for investigating the interplay of affect and learning. Over the past decade, affect detectors--which recognize learners' affective states at run-time using behavior logs and sensor data--have advanced substantially across a range of K-12 and postsecondary…

In information systems development, end-users have shifted in their role: from consumers of information to informants for requirements to developers of systems. This shift in the role of users has also changed how information systems are developed. Instead of systems developers creating specifications for software or end-users creating small…

Physicians, nurses, and other clinical staff rely on alarms from various bedside monitors and sensors to alert when there is a change in the patient's clinical status, typically when urgent intervention is necessary. These alarms are usually embedded directly within the sensor or monitor and lacks the context of the patient's medical history and…

Improvements in Information Technology (IT) infrastructure and standardization of interoperability standards among heterogeneous Information System (IS) applications have brought a paradigm shift in the way an IS application could be used and delivered. Not only an IS application can be built using standardized component but also parts of it can…

While many talk about the cloud, few actually understand it. Three organizations' definitions come to the forefront when defining the cloud: Gartner, Forrester, and the National Institutes of Standards and Technology (NIST). Although both Gartner and Forrester provide definitions of cloud computing, the NIST definition is concise and uses…

While trying to access microform content, patrons at the Christopher Center for Library and Information Resources at Valparaiso University were often hampered by unfamiliar equipment, temperamental software, and a puzzling file management system. In an effort to address these problems, the Access Services Department launched a pilot program for…

The Service Oriented Computing (SOC) paradigm, defines services as software artifacts whose implementations are separated from their specifications. Application developers rely on services to simplify the design, reduce the development time and cost. Within the SOC paradigm, different Service Oriented Architectures (SOAs) have been developed.…

This dissertation proposes and tests a theory explaining how people make decisions to achieve a goal in a specific task environment. The theory is represented as a computational model and implemented as a computer program. The task studied was primary care physicians treating patients with type 2 diabetes. Some physicians succeed in achieving…