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    Wyświetlanie 1-2 z 2
    Tytuł:
    Precision Calculations of the Characteristic Impedance of Complex Coaxial Waveguides Used in Wideband Thermal Converters of AC Voltage and Current
    Autorzy:
    Kubiczek, Krzysztof
    Kampik, Marian
    Powiązania:
    https://bibliotekanauki.pl/articles/2124756.pdf
    Data publikacji:
    2022
    Wydawca:
    Polska Akademia Nauk. Czytelnia Czasopism PAN
    Tematy:
    AC voltage standard
    current shunt
    characteristic impedance
    multilayer cylindrical conductor
    FEM simulation
    modified Bessel functions
    numerical stability
    calorimetric thermal voltage converter
    ac-dc transfer difference
    Opis:
    The article presents precision and numerically stable method of calculation of the characteristic impedance of cylindrical multilayer waveguides used in high-precision wideband measuring instruments and standards, especially calculable thermal converters of AC voltage and precision wideband current shunts. Most of currently existing algorithms of characteristic impedance calculation of such waveguides are based upon approximations. Unfortunately, application of such methods is limited to waveguides composed of a specific, usually low number of layers. The accuracy of approximation methods as well as the number of layers is sometimes not sufficient, especially when the coaxial waveguide is a part of precision measurement equipment. The article presents the numerically stable matrix analytical formula using exponentially scaled modified Bessel functions to compute characteristic impedance and its components of the cylindrical coaxial multilayer waveguides. Results obtained with the developed method were compared with results of simulations made using the Finite Element Method (FEM) software simulations. Very good agreement between results of those two methods were achieved.
    Źródło:
    International Journal of Electronics and Telecommunications; 2022, 68, 3; 527--533
    2300-1933
    Pojawia się w:
    International Journal of Electronics and Telecommunications
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
    Tytuł:
    The role of the Lendtech sector in the consumer credit market in the context of household financial exclusion
    Autorzy:
    Waliszewski, Krzysztof
    Cichowicz, Ewa
    Gębski, Łukasz
    Kliber, Filip
    Kubiczek, Jakub
    Niedziółka, Paweł
    Solarz, Małgorzata
    Warchlewska, Anna
    Powiązania:
    https://bibliotekanauki.pl/articles/19322780.pdf
    Data publikacji:
    2023
    Wydawca:
    Instytut Badań Gospodarczych
    Tematy:
    FinTech
    Lendtech
    credit
    financial exclusion
    lending platforms
    Opis:
    Research background: According to the World Bank (2020), about 60% of adults in developing countries do not use formal financial services. Furthermore, according to the Polish Association of Loan Institutions (2022), about 3 million Poles use loans, most of them obtained online. Among the reasons for more than a decade of growth of interest in the non-bank consumer lending market there are the development of modern technology applications in finance and the establishment of the Lendtech sector. Purpose of the article: The main goal of the paper is to verify the role played by the Lendtech (LT) sector in the consumer credit market in the context of household financial exclusion. The following research questions were asked: Do credit-excluded households take advantage of LT services and, if so, to what extent? What are the behaviours and preferences of those who use consumer credit offered by LT? Do socio-demographic characteristics determine consumer use of loans offered by LT and, if so, what are they? Is the use of loans offered by LT due to credit exclusion or other factors? What action should be taken by participants in the digital consumer loan market interested in its inclusive direction? Methods: The paper uses the following methods: critical analysis of the literature, Kruskal-Wallis test, Mann-Whitney test, and nonparametric regression algorithm: k-nearest neighbors, as well as inductive inference methods. The data used is primary in nature and comes from a nationwide survey, September 2022 (CAWI method) of 1,200 Poles, of whom 200 respondents are Lendtech customers. The quota selection applied made it possible to reflect characteristics corresponding to the population of customers of lending institutions registered in BIK databases. Findings & value added: The article is a pioneering study based on an independent scientific survey, devoted to the Polish LT services market considered in terms of its relationship with one of the types of financial exclusion: credit exclusion. The most important conclusion is that people at risk of credit exclusion find a financing substitute in the LT sector, and thus it plays an important role in reducing financial exclusion, while maintaining the principle of creditworthiness verification.
    Źródło:
    Oeconomia Copernicana; 2023, 14, 2; 609-643
    2083-1277
    Pojawia się w:
    Oeconomia Copernicana
    Dostawca treści:
    Biblioteka Nauki
    Artykuł
      Wyświetlanie 1-2 z 2

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