Fico® Scores Through The Economic Cycle And Understanding Consumer Sensitivities To Economic Fluctuations, 2019 South Dakota State University
Fico® Scores Through The Economic Cycle And Understanding Consumer Sensitivities To Economic Fluctuations, Gerald Fahner
SDSU Data Science Symposium
FICO® Scores assess default likelihood under “normal” conditions. Additional risk emanates from economic variability and manifests itself in changes to the score distribution as well as changes to the Odds-to-Score relationship. In this session we will examine credit bureau data from the Great Recession in the United States as compared to a stable economic period. We’ll share a framework that provides new and actionable insights into consumers’ sensitivities to such economic fluctuations such as:
Application of counterfactual analysis, machine learning, and scorecards, to rank-order consumers’ sensitivities
Consumer segmentation by economic sensitivities
Sensitivity profiling reveals interesting differences between the most ...
Project Insight: A Granular Approach To Enterprise Cybersecurity, 2019 Southern Methodist University
Project Insight: A Granular Approach To Enterprise Cybersecurity, Sunna Quazi, Adam Baca, Sam Darsche
SMU Data Science Review
In this paper, we disambiguate risky activity corporate users are propagating with their software in real time by creating an enterprise security visualization solution for system administrators. The current problem in this domain is the lag in cyber intelligence that inhibits preventative security measure execution. This is partially due to the overemphasis of network activity, which is a nonfinite dataset and is difficult to comprehensively ingest with analytics. We address these concerns by elaborating on the beta of a software called "Insight" created by Felix Security. The overall solution leverages endpoint data along with preexisting whitelist/blacklist designations to unambiguously ...
Assessing Risk In Iot Devices, 2018 California Polytechnic State University, San Luis Obispo
Assessing Risk In Iot Devices, David Levitsky
Master's Theses and Project Reports
The explosive growth of the Internet of Things ecosystem has thrust these devices into the center of our lives. Unfortunately, the desire to create these devices has been stronger than the one to secure them. Recent attacks have shown us ignoring security in Internet of Things devices can cause severe harm in both a digital and physical sense. This thesis outlines a framework for developers and managers to assess the risk of IoT devices using a weighted scoring system across five different categories. Our case studies suggest that devices with higher security considerations have a better security posture and lower ...
An Overview Of Smartwater Management System: Strategic Potential In Bangladesh, 2018 University of Dhaka
An Overview Of Smartwater Management System: Strategic Potential In Bangladesh, Muhammad Qumrul Hassan, Mir F. Karim, Nazrul I. Khandaker, Jowaher Raza
Publications and Research
Water loss management is becoming an increasingly important as supplies are stressed by population growth or water scarcity. A SmartWater system ensures optimum consumption and prediction of future water use. Bangladesh is one of the most vulnerable countries due to global climate change considering its rapid urbanization, inequitable land use, low income and greater reliance on climate sensitive sectors, particularly agriculture. Agricultural lands used for cropping and livestock rearing are more susceptible to degradation than non-agricultural lands. Most farmers irrigate through flooding, losing up to 75% of water to evaporation and creating a substantial drawdown of much needed water for ...
The Status Of Engineering Geology: Constraints On Infrastructure Development In Bangladesh, 2018 Geotesting Express Inc.
The Status Of Engineering Geology: Constraints On Infrastructure Development In Bangladesh, Mir Fazlul Karim, Muhammad Qumrul Hassan, Nazrul I. Khandaker, Masud Ahmed, Belal Ahmed Sayeed
Publications and Research
In recent years, megacity Dhaka is known to have one of the fastest urban population growths in Bangladesh. The population in Dhaka and other megacities has increased from 7 to 50 million during the last four decades. The rapid rate of urban population growth, along with the extreme paucity of real-estate for new infrastructure development or upgrading existing facilities, is already exacerbating the situation for the city planners and exerting tremendous pressure to come-up with viable solutions. Although practice of engineering geology, geotechnical exploration, and testing exists in Bangladesh; the system has still yet to adopt controlled quality standards with ...
The Challenges Of Geotechnical Exploration In Bangladesh For Sustainable Urban Development And Risk Reductions In Engineering Geology, Mir Fazul Karim, Nazrul I. Khandaker, Muhammad Qumrul Hasson, A.T.M. Shakhawat Hossain
Publications and Research
Bangladesh is a unique example of rapid urbanization where the urban population increased from 5 to 58 million in last four decades. Due to complex geology and active tectonic setting, the urban ground is impacted by fluvio-deltaic processes and regional seismicity. The densely populated cities of the country are facing risks from many natural hazards like floods, tidal surge, riverbank and coastal erosion, scour, landslides, soil collapse and foundation failures. Geologists anticipate severe seismic threats from yet-undefined tectonic structures and seek to determine their consequential geo-structural responses and conformance to the national building code. With rapid growth, demands on infrastructure ...
Community Resilience Management : Reflections And Strategies From Corporate Sustainability, 2018 Rochester Institute of Technology
Community Resilience Management : Reflections And Strategies From Corporate Sustainability, Jennifer Schneider, John Hummel, Joseph M. Rosenbeck 4756469, Sarah Dobie
Journal of Environmental Sustainability
Creating community resilience is a daunting task, both in scope and application, therefore it is useful to examine related efforts to inform our strategy. Sustainability, specifically corporate sustainability, has developed through similar challenges and provides insight into the possible trajectory of community resilience management. We find that both concepts reflect similar origins, developmental paths and merging goals at a scale that can be systematically managed. Therefore, we describe four strategies from corporate sustainability management that can be applied to community resilience 1) consider the community context while implementing an increasingly broad view of responsibility; 2) integrate and engage across constructs ...
Enhancing Trust In The Cryptocurrency Marketplace: A Reputation Scoring Approach, 2018 Southern Methodist University
Enhancing Trust In The Cryptocurrency Marketplace: A Reputation Scoring Approach, Dan Freeman, Tim Mcwilliams, Sudip Bhattacharyya, Craig Hall, Pablo Peillard
SMU Data Science Review
Trust is paramount for the effective operation of any monetary system. While the distributed architecture of blockchain technology on which cryptocurrencies operate has many benefits, the anonymity of users on the blockchain has provided criminal users an opportunity to hide both their identities and illicit activities. In this paper, we present a scoring mechanism for cryptocurrency users where the scores represent users’ trustworthiness as safe or risky transactors in the cryptocurrency community. In order to distinguish law-abiding users from potential threats in the Bitcoin marketplace, we analyze historical thefts to profile transactions, classify them into risky and non-risky categories using ...
Extra-Terrestrial Habitat Systems: Safety, Reliability, And Resilience, 2018 Purdue University
Extra-Terrestrial Habitat Systems: Safety, Reliability, And Resilience, Jory C. Lyons Jr., Amin Maghareh, Audai Theinat, Shirley Dyke, Antonio Bobet
The Summer Undergraduate Research Fellowship (SURF) Symposium
Developing a resilient extra-terrestrial habitat with regards to long-term reliability and safety from hazards including radiation, meteorites, and quakes is necessary to ensure human survival during interplanetary exploration. The objective of this study is to examine conventional aerospace safety and reliability analysis techniques to investigate whether they are sufficient to achieve resilience in extra-terrestrial habitats. These results will be obtained to complete a strengths, weaknesses, opportunities, and threats (SWOT) analysis of compiled techniques to design a sustainable habitat system. Failure modes, effects, and criticality analysis (FMECA) and probabilistic risk assessment (PRA) with their past applications will be assessed to provide ...
Robust Allocation Of Funds For Nonstructural Flood Risk Mitigation In Coastal Louisiana, 2018 Universidad de Los Andes - Colombia
Robust Allocation Of Funds For Nonstructural Flood Risk Mitigation In Coastal Louisiana, Simón Gómez Sierra, David R. Johnson, Matthew P. Shisler, Zachariah T. Richardson
The Summer Undergraduate Research Fellowship (SURF) Symposium
Coastal Louisiana is a critical economic, ecological and cultural asset, acting as a major hub for waterborne commerce, fisheries, and the petrochemical industry, and also as one of the world’s unique wetlands. Unfortunately, this rich environment is in great danger from the threat of hurricanes and storm surge flooding. Direct economic losses are estimated to average $2.7 billion per year under current conditions, and this could increase to $12 billion a year, or more, within 50 years if nothing is done. To prevent this catastrophe, Louisiana has developed a Comprehensive Master Plan for a Sustainable Coast, which plans ...
Not-So-Risky Business? Assessing The Risk Of Integrating Large Rpvs Into The Current Air Traffic System, 2018 Embry-Riddle Aeronautical University - Worldwide
Not-So-Risky Business? Assessing The Risk Of Integrating Large Rpvs Into The Current Air Traffic System, Hans-Joachim K. Ruff-Stahl, Steven Esser, Dirk Farsch, Thomas Graner, Robert Klein, Christian Schneidt, Stefan Schoenborn
In spite of considerable efforts to commercialize large remotely piloted vehicles (RPV), an integration of these RPVs into the existing Air Transportation System (ATS) and Airspace Structure is pending. The purpose of this paper was to assess the risks of an exemplary integration of a Heron 1 type RPV into the existing European air space structure within the current regulatory framework and without the availability of sense and avoid technology. Six incident occurrence scenarios were investigated, based on a modified Fault Tree Analysis and Eurocontrol’s risk matrix. It was found that without the implementation of technological or procedural changes ...
Ndvi And Lst Extraction Of Modis Data Under A Gis Open Source Application - Rickettsia Study Case In Angola, 2018 Dep. Geosciences, Environment and Land Planning Faculty of Sciences, Rua Campo Alegre, 4169-007, Porto, University of Porto, Porto, Portugal; Earth Sciences Institute (ICT), Faculty of Sciences, Rua Campo Alegre, 4169-007, Porto, University of Porto, Porto, Portugal
Ndvi And Lst Extraction Of Modis Data Under A Gis Open Source Application - Rickettsia Study Case In Angola, Ana Cláudia Teodoro, Lia Duarte, Patrícia Barradas, T. L. Mateus, Zoraima Neto
Free and Open Source Software for Geospatial (FOSS4G) Conference Proceedings
Fevers of unknown origin can have different aetiologies. The overlapping symptomatology of rickettsial infection and other endemic diseases that cause fever leads to a misdiagnosis or under-diagnosis of spotted fever group of Rickettsia (SFGR).
To better understand the epidemiology of this vector-borne disease in Angola, a comprehensive seroprevalence study was conducted investigating the exposure to SFGR in a sample of 92 febrile, Malaria and Yellow Fever negative human plasma specimen, collected to the study of the national surveillance of febrile syndromes between 2016 and 2017, in Angola.
The seroprevalence of IgG antibodies against SFG Rickettsia in humans was calculated by ...
Impact Of Pavement Surface Condition On Roadway Departure Crash Risk In Iowa, 2018 Iowa State University
Impact Of Pavement Surface Condition On Roadway Departure Crash Risk In Iowa, Ahmad Alhasan, Inya Nlenanya, Omar G. Smadi, Cameron A. Mackenzie
Industrial and Manufacturing Systems Engineering Publications
Safety performance is a crucial component of highway network performance evaluation. Besides their devastating impact on roadway users, traffic crashes lead to substantial economic losses on both personal and societal levels. Due to the complexity of crash events and the unique conditions in each country and state, empirical local calibration for the correlation between attributes of interest and the safety performance is always recommended. Limited studies have established a procedure to analyze the impact of pavement condition on traffic safety in a risk analysis scheme. This study presents a thorough analysis of some roadway departure crashes which occurred in Iowa ...
Next Generation Protocol: Innovating A Resilient Future, 2018 California Polytechnic State University, San Luis Obispo
Next Generation Protocol: Innovating A Resilient Future, Andrew Steven Rudnick, Jamie Cannady, Joe Decesaro, Juan A. Ortiz Salazar
Conventional practices do not account for product life beyond end-of-sale – these practices are not sustainable. We have developed an end-of-life protocol that includes a metric that we call the Recovery Rating. The objectives of this Next Generation Protocol, beyond supporting the United Nations’ Sustainable Development Goals, are to encourage the production of goods designed for recovery and to promote the collaboration between consumers, the public, and the private sector to recover goods at their end-of-life. The Recovery Rating that we propose evaluates and quantifies recovery potential of products. The Recovery Rating, which is normed against embodied energy from the Cambridge ...
Identification System For Heart Valve Manufacturing, 2018 Cal-Poly SLO
Identification System For Heart Valve Manufacturing, Nicholas Robert Jensen, Edgar Davis Nix, Judith Evelyn Gonzalez, Albert Austin Liddicoat
Abstract withheld due to NDA constraints
Team Joseph's Bike Trailer, 2018 California Polytechnic State University, San Luis Obispo
Team Joseph's Bike Trailer, Keely Thompson, Curtis Wathne, Ryan Meinhardt
This final design report shows the results of this senior project’s design process of creating a custom bike trailer for Team Joseph. As done in the Scope of Work, Preliminary Design report, and Critical Design report, current products, relevant technologies, and American Society for Testing and Materials (ASTM) standards are fully researched and benchmarked to aid in the design selection process. Customer requirements are looked at and developed into engineering specifications. A detailed design was created for CDR to show to Team Joseph, and manufacturing and testing plans were laid out. This final design report adds the final design ...
“Un Poder Transformador”. Creatividad Y Habilidades De Pensamiento Que Nutren La Experimentación De Nuevas Ideas Sustentables”, 2018 Florida International University
“Un Poder Transformador”. Creatividad Y Habilidades De Pensamiento Que Nutren La Experimentación De Nuevas Ideas Sustentables”, Vanesa Abadie A. Abadie
ICOT 18 - International Conference on Thinking - Cultivating Mindsets for Global Citizens
Si partimos de preguntas tales como: ¿Qué vale la pena enseñar?, ¿Cómo las habilidades de pensamiento promueven prácticas que conducen a la sostenibilidad ambiental y la revitalización?, ¿Cómo promovemos el desarrollo de habilidades de pensamiento que conduzcan al uso del conocimiento, la tecnología y la innovación para promover la sostenibilidad y la revitalización?
Como docentes debemos introducir desafíos en contextos adecuados para así generar en los alumnos nuevas ideas. Tanto la creatividad como el pensamiento crítico son procesos que se nutren con la experimentación de ideas. Ellas pueden surgir a través de una acción, un relato, una imagen, un tópico ...
High Consequence Scenarios For North Korean Atmospheric Nuclear Tests With Policy Recommendations For The U.S. Government, 2018 James Madison University
High Consequence Scenarios For North Korean Atmospheric Nuclear Tests With Policy Recommendations For The U.S. Government, Thomas S. Popik, Jordan T. Kearns, George H. Baker Iii, Henry F. Cooper, William R. Harris
George H Baker
The government of North Korea has declared high-altitude EMP-capability to be a “strategic goal” and has also threatened an atmospheric test of a hydrogen bomb. Atmospheric nuclear tests have the potential to cripple satellites and the undersea cable networks critical to communication, and navigation necessary for trans-Pacific trade among the U.S., China, and other nations. When a nuclear warhead is detonated at high altitude, a series of electromagnetic pulses radiate downward within the line of sight of the blast. These pulses can disable equipment with miniature electronics and long conductors. Electric grid controls and transmission systems are especially vulnerable ...
Design Of A Distributed Real-Time E-Health Cyber Ecosystem With Collective Actions: Diagnosis, Dynamic Queueing, And Decision Making, 2018 University of Nebraska - Lincoln
Design Of A Distributed Real-Time E-Health Cyber Ecosystem With Collective Actions: Diagnosis, Dynamic Queueing, And Decision Making, Yanlin Zhou
Theses, Dissertations, and Student Research from Electrical & Computer Engineering
In this thesis, we develop a framework for E-health Cyber Ecosystems, and look into different involved actors. The three interested parties in the ecosystem including patients, doctors, and healthcare providers are discussed in 3 different phases. In Phase 1, machine-learning based modeling and simulation analysis is performed to remotely predict a patient's risk level of having heart diseases in real time. In Phase 2, an online dynamic queueing model is devised to pair doctors with patients having high risk levels (diagnosed in Phase 1) to confirm the risk, and provide help. In Phase 3, a decision making paradigm is ...
Developing A Risk Assessment Protocol To Quantify Distribution And Uptake Of Persistent Organic Pollutants In Glacial Outflows, Kimberley Rain Miner
Electronic Theses and Dissertations
Pollutants released by industrialized nations between 1960 and 2004 have been transported northward through atmospheric processes and deposited into glaciated alpine ecosystems. Many of these chemicals retain their original structure and are absorbed into the biota thousands of miles away from where they were originally utilized. With a warming climate increasing the melt of alpine glaciers, these glaciers may be introducing growing amounts of toxins into the watershed. While studies have demonstrated the existence of resident pollutants within glaciated ecosystems, no one has developed a risk assessment to identify sources and quantity of risk posed by these compounds when released ...