Credit risk assessment often faces significant challenges due to class imbalance and the opaque nature of machine learning models, which can result in biased predictions and hinder trust among stakeholders.To address these issues, this study proposes a framework combining the TabTransformer model with weighted loss techniques to balance class distr
This research examines the impact of electronic word-of-mouth, Live Streaming, and copyright Fashion Products, with Price acting as a moderator, Boardshorts on purchase decisions in Shopee e-commerce.The study employed SmartPLS SEM with 208 respondents.The findings reveal that Electronic Word of Mouth significantly positively influences purchase de
This paper introduces an efficient numerical procedure based on cubic B-Spline (CuBS) with a new approximation for the second-order space derivative for computational treatment of the convection-diffusion equation (CDE).The time derivative is approximated using typical finite differences.The key benefit of the scheme is that the numerical solution
While the functions of the recently discovered cytoglobin, ubiquitously expressed in vertebrate tissues, remain uncertain, Antarctic fish provide unparalleled models to study novel protein traits that may arise from cold adaptation.We report here the spectral, ligand-binding and enzymatic properties (peroxynitrite isomerization, nitrite-reductase a