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 …

This paper presents a conceptual model for creating digital educational games that aim to reduce mathematics anxiety (MA) and promote positive emotional engagement in mathematics education. No empirical data were collected or analyzed; the proposed model is based on a synthesis of theory and empirical …

Introduction A quality management system (QMS) in healthcare organisations encompasses not only policies, processes and necessary procedures but also the quality, safety and risk management of medical technology. Tactical and operational decision-making levels should be closely interconnected. Previous …

Introduction A quality management system (QMS) in healthcare organisations encompasses not only policies, processes and necessary procedures but also the quality, safety and risk management of medical technology. Tactical and operational decision-making levels should be closely interconnected. Previous …

Collaborative robot arms (cobots) are gaining a strong foothold in contemporary manufacturing workplaces. While more information about the cobot’s impact becomes available, crucial design, work perception, performance, and strategic implications are systematically overlooked. Following a modern sociotechnical systems …

This deliverable is one of the results of the project Research on Energy Data Utilization for Carbon Emission Decline by Heat pumps and Efficiency, while Assuring Thermal Comfort Achievement in Residential Buildings (REDUCEDHEATCARB). This deliverable lists and links to the open source and open hardware …

The Sloe area is an unembanked industrial port area in Zeeland. As sea levels rise, this area will experience increased flood risks. This is partly due to climate change, which is causing sea level rise to accelerate, and partly due to the area's vulnerability because it is located outside the dike ring, …

Chapter 1: General introduction. A specific group of people with disabilities includes individuals with profound intellectual and multiple disabilities (PIMD). However, individuals with PIMD form a heterogeneous group regarding the origins of their underlying conditions leading to profound disabilities …

This thesis explores how organizations can build stronger trust and transparency in AI-driven marketing. It examines customer concerns around data use, personalization, and algorithmic decision-making, and identifies practices that make AI more understandable, fair, and responsible. Through interviews …

Dit afstudeeronderzoek richt zich op het optimaliseren van de Make & Pack- en Wash & Pack-processen binnen de Assembly-divisie van Gate Gourmet op Schiphol. Aanleiding waren signalen van onderbenutte capaciteit en inefficiënte werkprocessen. Het doel was het realiseren van minimaal 10% productiviteitsverbetering. Het …