This Advisory Report provides a set of three evidence-based recommendations to further improve the creditworthiness assessment of Postbank Personal Finance. Bulgaria has a highly competitive consumer finance market subject to strict BNB and EBA rules. Consultants' inconsistent access to CCR, borderline …

Accurate and reliable decision-making in the criminal justice system depends on accurate expert reporting and on the correct interpretation of evidence by the judges, prosecutors, and defense lawyers. The present study aims to gain insight into the judiciary's capability to assess the accuracy and reliability …

BACKGROUND: Following a severe burn injury, individuals embark on a lifelong process of managing and integrating the physical, psychological, and social consequences, including functional limitations, fatigue, altered body image, and psychological trauma. To aid in this process, healthcare professionals …

Background Physiotherapists often lack a comprehensive understanding of self-management and encounter challenges in providing self-management support. The Keep Moving Support Tool (KMST) was developed to support physiotherapists in their role as health promotors and to stimulate physical activity in …

The Dutch national CO2 emission targets for heritage buildings are a 60% reduction by 2040. However, holistic insights on the impact of this reduction on heritage values, energy performance, and CO2 emissions are understudied. In this article, the impact in four heritage buildings by comparing the situation …

BACKGROUND: Advanced interventions to enhance the mental health literacy (MHL) of educational professionals are now available, though their effectiveness varies, likely due to contextual differences. To adapt these interventions for use in other countries, a systematic and tailored approach is required …

Cold spray is an emerging technology that shows great promise for the repair of civil aircraft components. However, certification of such repairs requires a comprehensive evaluation of repair performance, including a detailed assessment of repair strength and the associated failure mechanisms. The present …

The environmental design of care settings is increasingly recognized as an important factor that can support reducing neuropsychiatric symptoms and improving quality of life in people with dementia. This review provides a comprehensive overview of consensual knowledge of specifications of the environmental …

This paper investigates the role of conversational AI in improving the quality of decision-making across different stages of the process. Drawing on an experimental study involving 113 students in Dutch higher education, participants engaged in a simulated business challenge using three approaches: no …

In this thesis, we focus on developing behaviours for socially interactive agents (SIAs). The context in which the agent is used is a self-regulated learning system for children. We focus on personalising learning objectives and interaction content within an intelligent tutoring system (ITS). We envision …