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Weight of evidence transformation in credit scoring models: How does it affect the discriminatory power?

Weight of evidence (WOE) transformation has been used for several decades in the credit industry. However, despite its widespread use, it has, surprisingly, been an overlooked approach in published literature. In this paper, we, therefore, investigate what effect WOE transformation has on the discriminatory power of a credit-scoring model. Our results suggest that using WOE transformation with log

“A glass half-full of opportunities” The perceptions and lived experiences of Arabic-speaking immigrants using digital primary healthcare applications in Scania, Sweden. A qualitative content analysis study.

Abstract Background: There is growing concern in Sweden about health inequity and unequal access to traditional primary healthcare among different socio-economic groups, predominantly immigrants. The use of information and communication technology in the health sector has been suggested as a potential tool to overcome healthcare accessibility and equity. Digital primary healthcare in Sweden was in

Döden på museet : Mänskliga kvarlevor och samtal om döden i museipedagogiska verksamheter

The purpose of this master’s thesis is to examine on how three museums in Skåne uses human remains from their collections in pedagogical work with children. With the help of interviews with staff members and observations in the museum exhibitions, text and image analysis, the human remains are closely observed. Furthermore, the analysis part of the thesis uses the theoretical viewpoint of mat

Comfort Away from Home

While covid-19 has limited our travels, so many people around the world travel for professional purposes whether they work for a large corporations, on oil rigs, in the military, or in remote research bases. How do these individuals find comfort while they are abroad? After interviewing two different people who travel for professional purposes it was found that accommodation doesn’t provide the be

A speech therapy support tool based on spectral density adjustment

The purpose of this work is to expand the toolbox of speech language pathologists and give them the ability to redesign a patient’s voice to a healthier sounding one, thereby giving the patient a target voice to strive towards. A modified voice is generated by applying a finite impulse response (FIR) filter, altering the spectrum of the patient’s voice. In order to facilitate the filter design pro

Article 17(7) of Directive 2019/790 on Copyright and Related Rights in the Digital Single Market

Prior to the adoption of Article 17 of the Directive (EU) 2019/790 on Copyright and Related Rights in the Digital Single Market, the e-Commerce Directive provided hosting liability exemptions for intermediary service providers. In addition, copyright exceptions and limitations were previously optional and their implementation was at liberty of the Member States. Under the new Article 17 Member Sta

Quantum key distribution in long distance fiber

Quantum communication has been widely used as an important component in many applications of quantum information science. It is naturally utilised in the fields of quantum optics and photonics. Quantum communication and quantum cryptography have been studied as a popular subject in research for many years. However, most of the quantum-communication devices are oversized and non-portable. This prob

Skattemässiga avdrag för kostnader som inte självklart är en del av verksamheten – Med fokus på HFD:s hantering av sponsring och klimatkompensation

Denna uppsats behandlar den förhållandevis oklara skatterättsliga regleringen av näringsverksamheters avdrag för sponsrings- och klimatkompensationsutgifter. Oklarheterna kan antas påverka skattskyldigas incitament för att ge sådana bidrag och därmed motverka uppfyllandet av Sveriges klimatmål. Uppsatsen utreder också hur HFD har gått och ska gå till väga vid sin tolkning och tillämpning av reglerThis thesis investigates the rather unclear tax regulation regarding expenses for sponsorship and climate compensation. Namely, the unclear aspects can be assumed to affect taxpayers’ incentives to make such contributions and thereby counteract the fulfillment of Sweden's climate targets. The thesis also investigates how SAC has gone and should go about interpreting and applying the regulation

An Infrared Stellar Thermometer

Infrared (IR) spectroscopy has many advantages over optical, one of which is allowing us to see through intergalactic dust, letting us probe deeper into space and dust-dense regions such as galactic centers. However the investigating the IR spectral range is a relatively new field, owing to recent developments in detector technology, and stellar parameter determination in IR is not well researchedMillions of stars litter the night sky, and our understanding of how they were born is still developing. These burning orbs of gas are so far away that even the light they give off takes years to arrive to us on Earth. So how are we to measure anything about them if sending any equipment to their distant locations is unimaginable? Since the days of Newton, the only way we have been able to say any

Information-Decision-Collaboration Assessment: An Integrated Requirements Approach for Emergency Management Decision Support Systems

Modern emergency management is a demanding profession characterized by accelerated decision- making, dynamic information needs, and complex collaboration to execute mission objectives. Decision support systems in this setting must be suitably optimized in turn, with clear requirements to inform such design. To date, comprehensive approaches to capture these requirements remain underdeveloped, per

From "the Will to Improve" to "the Will to Transform": Some Promises & Challenges of Sida's Multidimensional Poverty Analysis (MDPA) Framework in Bolivia

Objectives: This study sets out to answer the following research questions: 1. How do Sida and CEDLA problematize poverty and what does this reveal about their underlying development paradigms? 2. What are some of the key promises and challenges of Sida and CEDLA’s differing understandings of capitalism for their use of the MDPA framework in Bolivia? The key areas of focus are the organizations

Vilka faktorer påverkar bostadspriser?

This paper examines which factors that influence the price of the housing market. By using data from Sweden and Denmark between year 1993 - 2020 with credit growth, dwellings completed, an interest-spread and population growth as explanatory variables in the model. The study aims to explain the growth in the housing market with two separate multiple linear regression models. The results show that

Recent Progress on the Black Hole Information Paradox

The black hole information paradox is of central importance in the study of quantum gravity. The paradox states that quantum fields surrounding a black hole behave in ways that run into conflict with the unitarity of quantum mechanical time evolution. In the course of the past two years, new theoretical discoveries have made progress towards the paradox’s resolution, suggesting that unitarity can

SPAC för visat intresse - Hur uppmärksamhet påverkar avkastning i SPAC-bolag

Bakgrund och syfte - SPAC-bolag är jämfört med andra investeringsformer förhållandevis komplicerade. Syftet med uppsatsen är därför att undersöka huruvida avkastning för SPAC-aktier från börsnotering till genomfört förvärv korrelerar med dess popularitet, då investerare kan antas grunda investeringsbeslut i bolagstypen på annat än egna analyser. Teoretisk ansats - Investor Attention Theory liggerBackground and purpose - Compared to other forms of investments, SPAC companies are quite complex. The purpose of the thesis is therefore to analyze whether the return on SPAC-investments during the period from IPO until completed acquisition correlates with the amount of attention the company receives, as investors can be assumed to base investment decisions in SPACs on other factors than their o

Method development for improving monoclonal antibody production

Biopharmaceuticals are a fast-growing niche in the pharmaceutical industry compared to small molecules. Even though a lot of progress has been made in recent years, the process to take a drug candidate to clinical trials can be lengthy and the selection process of high producing stable clones can be an arduous process. In this master thesis the design of new expression vectors for the production

Have Radial Velocity Surveys Missed Any Planets?

The project was aimed at numerically assessing exoplanetary systems to distinguish their capabilities of hosting additional planets. The shortcomings of the radial velocity method sometimes causes hindrance in the detection of terrestrial planets. Although modern spectrometers have evolved and improved drastically, the process of distinguishing signals from smaller planets is still difficult and c

Tidig palliativ vård och livskvalitet hos patienter med cancer

Bakgrund: Varje år bedöms 70000 - 75000 personer i Sverige behöva palliativ vård. En stor av del dessa är patienter med cancersjukdomar. Palliativ vård innebär att ge patienten god livskvalitet in i det sista. Syfte: Att undersöka om en tidig start av palliativ vård kan påverka livskvaliteten hos cancerpatienter. Metod: Metoden var en icke systematisk litteraturstudie där åtta artiklar granskades

Automatic Left Ventricle Segmentation of Long-Axis Cardiac MRI-Images

Over 30 % of all deaths worldwide are related to cardiovascular diseases and they are the leading cause of death. Therefore, research into treatment, diagnosis and prognostication of these diseases are of critical importance. One way to examine the cardiovascular system is through the use of Magnetic Resonance Imaging (MRI). The aim of this thesis is to create a model using the Deep Learning arc