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 …

The use and adoption of Artificial Intelligence (AI) in our society is growing rapidly (Maslej 2025). Alongside this growth, the importance of specific ‘competencies’ that users need to effectively interact with and critically evaluate AI is becoming increasingly important (Long en Magerko 2020). This …

Artificial Intelligence (AI) is transforming workflows across various industries, including life sciences. When deployed securely, generative AI tools can automate structured programming tasks. In clinical research, a significant challenge is converting raw trial data into the formats required for regulatory …

Timber construction is rapidly advancing in structural engineering due to its benefits, such as light weight, ease of prefabrication, and contribution to societal goals. With an increase in building height, however, knowledge garnered by coupling advance modelling and experimental testing will enable …

This thesis explores how column placement in a semi-sunken parking garage can be optimised to enhance traffic flow, maximise parking capacity, and reliably transfer structural loads from four residential floors above. The project is based on the Sea & City development in Vlissingen, the Netherlands—a …

Nederland is een van de koplopers in digitale economieën binnen Europa en stimuleert digitalisering als middel voor economische groei en maatschappelijke innovatie. Ook de gezondheidszorg ondergaat een ingrijpende digitale transformatie. Digitale zorgtoepassingen, zoals telemonitoring, e-consulten en …

This paper investigates Giggle's strategic growth into Southern Europe, with a focus on Italy as a pilot market. Through a review of the literature, stakeholder interviews, and user surveys, it presents a legally compliant, scalable market entry strategy. Key findings indicate Rome's preparation for …

Analyzing historical decision-related data can help support actual operational decision-making processes. Decision mining can be employed for such analysis. This paper proposes the Decision Discovery Framework (DDF) designed to develop, adapt, or select a decision discovery algorithm by outlining specific …

Introduction: Early Warning Score (EWS) protocols are based on intermittent vital sign measurements, and aim to detect clinical deterioration in a timely manner. Despite its predictive value, its effectiveness remains suboptimal. An important limitation appears to be poor compliance with the EWS protocol …

Design and development practitioners such as those in game development often have difficulty comprehending and adhering to the European General Data Protection Regulation (GDPR), especially when designing in a private sensitive way. Inadequate understanding of how to apply the GDPR in the game development …