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Buy Now, Pay Later (BNPL) services are transforming consumer finance by offering lightly regulated short-term credit. This policy brief explores how BNPL data can be leveraged to improve credit risk assessments and enhance financial inclusion. Drawing on proprietary data from a Nordic bank, our research highlights how BNPL lending and the associated repayment histories can increase loan approval p
In this work, we present a simple yet effective framework to address the domain translation problem between different sensor modalities with unique data formats. By relying only on the semantics of the scene, our modular generative framework can, for the first time, synthesize a panoramic color image from a given full 3D LiDAR point cloud.The framework starts with semantic segmentation of the poin
Robots are more capable of achieving manipulation tasks for everyday activities than before. However, the safety of manipulation skills that robots employ is still an open problem. Considering all possible failures during skill learning increases the complexity of the process and restrains learning an optimal policy. Nonetheless, safety-focused modularity in the acquisition of skills has not been
Paratransit services support individuals with limited mobility by providing access to healthcare, errands, and social activities. While designed to be enabling, these services impose temporal demands that require the user’s active engagement, such as booking in time and coordinating with other support services. This study explores how older users experience and manage the temporal dimensions of SwParatransit services support individuals with limited mobility by providing access to healthcare, errands, and social activities. While designed to be enabling, these services impose temporal demands that require the user’s active engagement, such as booking in time and coordinating with other support services. This study explores how older users experience and manage the temporal dimensions of Sw
Changes in plant diversity and abundance due to land-use modifications can induce plant-pollinator trophic cascades, potentially leading to long-term shifts in pollination services. Our ability to mediate such loss of pollination services through informed landscape management is limited by insufficient understanding of long-term adaptations of wild pollinators to land-use, especially when accounti
This study investigates the neural encoding of speech features in hearing aid users using electroencephalography (EEG) during a simulated cocktail party scenario. The objective was to investigate neural tracking of various acoustic and linguistic features and how hearing aid noise reduction influenced this tracking. The features analyzed included the acoustic envelope, phonetic features, word onse
Pig iron is a key material in cast iron production where impurities and trace elements (ITEs) can significantly influence graphite morphology and the overall cast iron quality. The purpose of this study is to investigate the occurrence and variation of ITEs in pig iron to assess the quality from a compositional perspective, with emphasis on elements contributing to carbide formation. Pig iron samp
A decentralized strategy for object transportation is presented, assuming that the object is grasped by a team of N cooperative manipulators. The proposed strategy consists of two steps. First, each robot estimates the wrenches applied to the object by all the others robots, even without all-to-all communication. Second, an admittance control scheme is used to limit internal wrenches, preventing e
In this paper, we present a new approach for facial anonymization in images and videos, abbreviated as FIVA. Our proposed method is able to maintain the same face anonymization consistently over frames with our suggested identity-tracking and guarantees a strong difference from the original face. FIVA allows for 0 true positives for a false acceptance rate of 0.001. Our work considers the importan
The relationship between psychological stress and sleep quality is essential for mental health. While self-reported questionnaires are commonly used in epidemiological studies, wearable devices have been increasingly utilized to obtain objective sleep data. This study examined whether daily subjective psychological stress is associated with objectively measured sleep stages in naturalistic (real-w
Childlessness is an increasingly visible phenomenon. Once predominantly associated with high-income settings, it now spans diverse cultural, economic, and political contexts, including the Global South. Among recent demographic shifts, childlessness has emerged as one of the most ideologically charged and widely debated topics in public discourse, particularly through media narratives. Although me
People with intellectual disabilities have an increased risk of diabetes mellitus (DM). They tend to develop it at earlier ages than the general population, resulting in even higher risks in younger people. However, few studies have separated Type 1 and Type 2 DM. The aim of this study was to assess prevalence of different types of DM in different age groups in relation to the general population.
Restidsvariation för busstrafiken skapar osäkerhet för både passagerare och operatörer. För resenärer minskar möjligheten att förutse restid och ankomsttid vilket försvårar beslut kopplad till val av avgångstid eller möjligheten till effektiva byten. Operatörerna drabbas av minskad tidtabellstillförlitlighet och ökade kostnader på grund av större marginaler i tidtabellen. Tidigare forskning visar Travel time variability in bus traffic creates uncertainty for both passengers and operators. For passengers, unpredictable travel times complicate trip planning and transfers, while operators face reduced timetable reliability and increased costs from larger schedule buffers. Previous research shows that passengers value reductions in travel time variation more highly than reductions in average t
Blue carbon, defined as carbon fixed by marine plants, has gained attention as a climate change mitigation strategy. Coastal ecosystems play an important role in blue carbon storage due to their high carbon burial rates. Although the dynamics of the partial pressure of CO2 in seawater (pCO2) are closely related to blue carbon processes, studies investigating pCO2 variability in coastal areas remai
This article explores how the humanities were imagined by UNESCO to contribute to their quest for improved international relations and worldwide peace. It analyses the negotiations on what role the humanities could play in diplomatic work by looking at the process that led to the founding of the International Council for Philosophy and Humanistic Studies (ICPHS/CIPSH) in 1949. Despite being ingraiThis article explores how the humanities were imagined by UNESCO to contribute to their quest for improved international relations and worldwide peace. It analyses the negotiations on what role the humanities could play in diplomatic work by looking at the process that led to the founding of the International Council for Philosophy and Humanistic Studies (ICPHS/CIPSH) in 1949. Despite being ingrai
AIMS: A history of preeclampsia is associated with at least a twofold increased risk of coronary artery disease (CAD), with unclear underlying mechanisms. This study aimed to investigate coronary plaque characteristics in women with a history of preeclampsia compared to women from the general population.METHODS: In this cross-sectional study, women with a history of preeclampsia from the Cardiovas
Protein–protein interactions (PPIs) are central to cellular processes and host-pathogen dynamics across all domains of life, yet comprehensive interactome mapping remains challenging at the proteome scale. Experimental approaches provide only partial coverage, while existing computational methods often lack generalizability across species or are too resource-intensive for large-scale screening. He
