This paper evaluates the impact of an online game-based financial education tool on students' financial literacy levels. By conducting a Randomized Controlled Trial (RCT) involving 2,220 students across four countries in a multi-country experimental setting, we demonstrate that the intervention significantly …

Sanction screening is a crucial banking compliance process that protects financial institutions from inadvertently engaging with internationally sanctioned individuals or organizations. Given the severe consequences, including financial crime risks and potential loss of banking licenses, effective execution …

This paper investigate to use of information technology, i.e. machine learning algorithms for water assessment in Timor-Leste. It is essential to access clean water to ensure the safety for humans and others livings in this world. The Water Quality Index (WQI) is the standard tool for assessing water …

''This paper aims to analyze the behavior of experimentally tested unreinforced masonry walls subjected to in-plane loading. Monotonic load analyses are conducted using FEM and AEM modeling approaches. The models presented here are based on the assumption of both unit and mortar joints modeled as solid …

In secondary school philosophy classes students learn to reason critically about social and scientific issues. This study examined the effects of a whole-class, teacher-led philosophy classroom dialogue intervention on students’ value-loaded critical thinking. Value-loaded critical thinking is logically …

This study presents a methodology designed to optimize various parameters of each access point within a Multiple-Input Single-Output (MISO) Visible Light Communication (VLC) system. The primary objective is to enhance both power and spectral efficiencies. A MISO-VLC model is presented based on experimental …

In cases of sexual assault, the interpretation of biological traces on clothing, and particularly undergarments, may be complex. This is especially so when the complainant and defendant interact socially, for instance as (ex-)partners or by co-habitation. Here we present the results from a study where …

As Vehicle-to-Everything (V2X) communication technologies gain prominence, ensuring human safety from radiofrequency (RF) electromagnetic fields (EMF) becomes paramount. This study critically examines human RF exposure in the context of ITS-5.9 GHz V2X connectivity, employing a combination of numerical …

This study sought to comprehensively examine the complex relationship between de-icing substances and asphalt pavement, with an emphasis on understanding how freeze-thaw cycles and various deicers affect infrastructure performance and longevity. The primary focus was centered around strengthening understanding …

This research investigates the potential of natural jute fibre nets to enhance the flexural strength of geopolymer concrete tiles. Two types of jute fibre grids with surface densities of 120g/mm² and 220g/mm² were tested in four configurations. The objective was to determine the configuration that most …