Digital Commons Network^™

The Role Of Corporate Sustainability Goals In Shaping Organizational Intentions And Adoption Of Green Technologies In Small- And Medium-Sized Enterprises, Syed Zamberi Ahmad, Abdul Rahim Abu Bakar, Imane Belyamani, Manar Fawzi Bani Mfarrej

All Works

This study investigates green technology adoption (GTA) among small and medium-sized enterprises (SMEs) in the United Arab Emirates (UAE), focusing on the influence of corporate sustainability goals (CSG) and sustainability motivation (SM). Utilizing institutional theory, the theory of planned behavior (TPB), and resource-based view (RBV), the research highlights how SMEs integrate environmental, social, governance (ESG) and economic considerations into their CSG to enhance GTA. Addressing a gap in prior research that has largely emphasized external drivers of adoption while underexploring internal organizational mechanisms, the study conceptualizes CSG as strategic intent and models SM as a second-order construct . Based on …

From Post-Hoc To Pre-Assessment Evaluation: Llms As Collaborative Partners For Simulating Student Performance, Siaw Ling Lo, Ping Fan Ke, Yi Meng Lau

Research Collection School Of Computing and Information Systems

Ensuring the quality of multiple-choice questions (MCQs) remains a complex challenge in higher education, as traditional post-hoc psychometric analyses often identify flaws only after students have been negatively impacted. While Large Language Models (LLMs) offer potential for simulating student performance to validate items before delivery, they are frequently hindered by a “high-accuracy bias” that prevents larger models from realistically mimicking student errors. This paper proposes the Triadic Pedagogical Fit (TPF) framework, which triangulates Model Scale, Task Complexity via Revised Bloom’s Taxonomy, and Instructional Persona to optimize pre-assessment evaluation. Through two studies, we demonstrate that while Mid-scale (12B) models effectively mirror …

Long Range Battery-Free Wireless Power Transfer Testbed For Underground Mines Iot And Lpwan Devices, Anabi Hilary Kelechi, Samuel Frimpong, Sanjay Madria

Mining Engineering Faculty Research & Creative Works

Underground mines are susceptible to occasional roof falls and cave-ins, temporarily destroying the existing wireless communications and telemetry infrastructure. During this temporary outage, intermittent provision of electrical energy wirelessly to the already deployed low-power wireless area networks (LPWAN) and Internet of Things (IoT) devices assumes a fundamental requirement. In this article, we propose and design a long-range far-field radio frequency (RF) wireless power transfer (WPT) testbed to power LPWAN and IoT devices at 35 m in an underground mines facility. Class AB external power amplifier (PA) was introduced to achieve a long-distance RF WPT, in the 880 MHz band. Thus, …

Harnessing Digital Twin (Dt) Technology For Food Security And Climate Resilience In Sub-Saharan Africa (Ssa), Henri E.Z. Tonnang, Francis Chianu, Siyabusa Mkuhlani, Francis Muthoni, John Michael Humphries Choptiany, Franck B.N. Tonle, Bonoukpoe M. Sokame, Mercy Lung’Aho

All Peer-Reviewed Publications

Sub-Saharan Africa (SSA) faces chronic food insecurity despite possessing approximately 60% of the world’s uncultivated arable land. Field trials generate evidence but are costly and insufficiently scaled to address accelerating climate and demographic pressures. Digital twin (DT) technology, defined as the continuous, bidirectional virtual replication of physical systems using real-time data, supports monitoring, modelling, and optimisation of agrifood systems. To our knowledge, however, no published synthesis has examined DT agriculture research through the lens of SSA food systems or smallholder farming realities. A PRISMA-compliant systematic review was conducted across bibliographic databases using a pre-defined Boolean search and adapted PICOS eligibility …

Beyond Legacy Indices: A Critical Review Of The Modified Nemerow, Mean Enrichment Quotient, And Aggregated Multivariate Environmental Risk (Amer) Indices For Heavy Metal Pollution In Sediments, Md Shahnul Islam, Anjuman Ara

Department of Earth and Environmental Studies Faculty Scholarship and Creative Works

Background: Heavy metal pollution in sediments poses persistent ecological risks due to metal toxicity, bioaccumulation, and potential for remobilization. Legacy indices have been widely used for decades but suffer from fundamental flaws, including arbitrary background dependence, lack of grain-size normalization, and poor ecological relevance.

Objective: This review critically evaluates three emerging sediment pollution indices, the Modified Nemerow, Mean Enrichment Quotient (MEQ), and Aggregated Multivariate Environmental Risk (AMER) index, to assess their methodological advances and potential to replace legacy approaches.

Methods: A structured literature search was conducted in Web of Science, Scopus, and Google Scholar (2010–2026). Using an adapted Birch framework, …

A Projector-Rank Partition Theorem For Exact Degrees Of Freedom In Experimental Design, K. G. Nagananda

Mathematics and Statistics Faculty Publications and Presentations

In many experimental designs—split-plots, blocked or nested layouts, fractional factorials, and studies with missing or unequal replication—standard ANOVA procedures no longer tell us exactly how many independent pieces of information each effect truly contributes. We provide a general degrees of freedom (df) partition theorem that resolves this ambiguity. For N observations, we show that the total information in the data (i.e., N −1 df) can be split exactly across experimental effects and randomization strata by projecting the data onto each stratum and counting the df each effect contributes there. This yields integer df—not approximations—for any mix of fixed and random …

The Future Of Nature-Based Recreation In Warming Tropical Cities, Perrine Hamel, Emma E. Ramsay, Shawnda A. Morrison, Su Li Heng, Winston T. L. Chow, Beatrice H. Ho, Pearl Min Sze Tan, Moshe Mandelmilch, Lancy Sim, Jason Kai Wei Lee

Research Collection College of Integrative Studies

Nature-based recreation promotes health in tropical cities but is increasingly threatened by rising heat. This review presents recent evidence on the issue of humid heat stress and outdoor recreation in tropical cities and outlines key adaptation strategies – addressing hazard, exposure, and vulnerability – to enable ‘heat-smart’ nature-based activities. Despite existing solutions, critical research gaps remain, especially in integrating social, physiological, and technological insights to better address humid heat stress in tropical urban environments.

A Systematic Review Of Audio Deepfake Detection Techniques For Digital Investigation, Mahra Alnaqbi, Richard Adeyemi Ikuesan

All Works

Deepfake technology has been driven by advanced machine learning and revolutionized multimedia creation by synthesizing hyper-realistic content. It includes images, videos, and audio. While its creative applications in entertainment and accessibility are significant, the technology also poses critical risks, especially in fraud, disinformation, and identity theft. Audio deepfakes are a subset of this phenomenon that replicate human voices with enhanced precision, mimicking tone, accent, and subtle vocal nuances. This has raised concerns in security-sensitive domains like voice authentication and forensic investigations. This systematic literature review (SLR) adopts PRISMA guidelines to explore the state-of-the-art in audio deepfake detection. It examines existing …

Image And Metadata-Driven Personality Inference For Career Recommendation: A Social Media-Based Ai Framework For Adolescents, Heba Ismail, Maryam Alhefeiti, Ashraf Khalil

All Works

This study presents a novel AI-based framework that leverages Instagram image and metadata analysis to infer Big Five personality traits and deliver personalized career recommendations for high school students in the UAE. Addressing the limitations of traditional recommender systems that rely on self-reported questionnaires or text, the proposed approach uses multimodal visual features—including profile metrics, HSV color patterns, semantic image labels, and texture analysis—to enable a non-intrusive, scalable personalization method. A pilot study involving data from 30 student accounts served as a proof of concept. Correlation analysis identified profile and HSV features as the most predictive, and four machine learning …

Fig-Gan: Fundus Image Generation Via Deep Learning Based Generative Adversarial Network For Amd Disease Diagnosis, Kailasa Thrishul, Ahed Abugabah, Amina Salhi, Manel Ayadi, Mohamed M. Sithik, D. Jayaprakash, A. Ahilan

All Works

Globally, age-related macular degeneration (AMD) remains a main cause of irreversible vision loss. Recently, deep learning models have primarily focused on classifying fundus images for early detection of AMD progression. However, existing models rarely address the generation of future progression-aware fundus images, particularly when complete real longitudinal follow-up scans are unavailable. This limitation makes it difficult to track retinal changes over time and highlights the need for generative models capable of producing realistic drusen-level structural variations. To address these issues, a novel deep learning-based FIG-GAN model is to generate synthetic future fundus images from baseline inputs. Multi-Attention U-Net (MAU-Net) is …

A Performance-Optimized V2v Task Offloading Framework For Real-Time Vehicular Communication, Tariq Qayyum, Asadullah Tariq, Ikbal Taleb, Mohamed Adel Serhani, Zouheir Trabelsi

All Works

As vehicular applications become increasingly complex, their computational demands often exceed the capabilities of individual vehicles. Vehicular Edge Computing (VEC) alleviates this limitation by enabling task delegation to nearby edge resources; however, high mobility, dynamic topology, and fluctuating vehicle density make real-time offloading decisions challenging. To address these issues, we propose a performance-optimized Vehicle-to-Vehicle (V2V) task offloading framework for dense and dynamic Vehicular Ad-hoc Networks (VANETs). The framework follows a two-stage design: (i) context-aware edge-node selection based on live topology capture via periodic beaconing, and (ii) cumulative score-based dynamic priority queuing at the selected edge node. The priority score jointly …

Smart Medical System Integrating Clinical Workflows For Robust Skin Cancer Detection Across Heterogeneous Pathologies, Ahed Abugabah, Prashant Kumar Shukla, Suchi Mishra, Abhishek Dwivedi

All Works

Skin cancer is among the most prevalent and life-threatening dermatological diseases worldwide, with melanoma responsible for a substantial proportion of skin cancer–related deaths due to delayed and unreliable diagnosis. Conventional clinical screening based on visual inspection and expert interpretation is inherently subjective and often affected by inter-observer variability, lesion heterogeneity, and imaging artifacts, highlighting the need for accurate and generalizable automated diagnostic systems. This study proposes a novel hybrid deep learning architecture for skin cancer classification that integrates an attention-guided autoencoder with a transformer-inspired global context modeling module, forming a unified and robust representation learning framework. The encoder–decoder structure is …

Temporally Rigorous And Traceable Predictive Maintenance Via Joint Labeler-Model Optimization, Maytha Al-Ali, Ahmad Alharbi

All Works

Predictive maintenance (PdM) is a critical enabler of intelligent asset management in Industry 4.0, yet many existing frameworks remain difficult to operationalize due to methodological fragmentation. Common limitations include sacrificing temporal realism and class granularity for computational expediency, decoupling labeling strategy design from model hyperparameter optimization, and insufficient support for reproducibility and deployment traceability; particularly in rare-failure regimes. To address these challenges, we propose a unified, end-to-end, and fully traceable PdM framework that jointly optimizes labeling and model parameters while enforcing strict temporal fidelity. The proposed pipeline co-optimizes the failure lookahead window () and LightGBM hyperparameters within a single Bayesian …

Understanding The Out-Of-Distribution Generalization Of Chain-Of-Thought Reasoning In Llms, Nuojing Liang, Xiaotong Yuan, Pan Zhou

Research Collection School Of Computing and Information Systems

Chain-of-Thought (CoT) reasoning substantially improves Large Language Models (LLMs), yet its out-of-distribution (OOD) generalization mechanism remains theoretically underexplored. We study CoT as compositional OOD generalization: the target task lacks complete reasoning trajectories or direct input-output pairs, while training provides only in-distribution (ID) atomic step data. We show that CoT generalizes by repeatedly applying a shared single-step predictor to compose reusable ID transitions. Theoretically, the OOD task risk is controlled by the sum of ID subtask risks, scaled by a depth-independent hard-decoding coefficient Bℓ b = O(k) that is independent of the reasoning depth T. A Rademachercomplexity analysis further gives an …

A Deep Learning Ensemble Framework For Multi-Subtype Renal Tumor Classification Using Contrast-Enhanced Ct, Hisham Abdeltawab, Ahmed Alksas, Mohamed Ghazal, Ashraf Khalil, Norah Saleh Alghamdi, Rasha T. Abouelkheir, Ahmed Elmahdy, Mohamed Abou El-Ghar, Sohail Contractor, Ayman El–Baz

All Works

Renal cell carcinoma (RCC) is considered the most aggressive and common form of renal cancer. Therefore, early detection is crucial to ensure appropriate and effective treatment planning. In our study, we propose a novel computer-aided diagnostic (CAD) approach which incorporates a deep learning ensemble to differentiate between five renal tumor subtypes, utilising the modality of contrast-enhanced computed tomography (CE-CT). The addressed renal lesions are malignant tumors (chromophobe RCC (chRCC), papillary RCC (pRCC), and clear cell RCC (ccRCC)) and benign tumors (renal oncocytoma (RO) and angiomyolipoma (AML)). Our study includes 280 patients who underwent renal biopsy, 112 patients were diagnosed with …

A Robust Approach For Olive Leaf Disease Detection In Uncontrolled Environments, Rima Grati, Khouloud Boukadi, Emna Ben Abdallah, Ahmed Seffah

All Works

Detecting diseases in olive leaves is crucial for maintaining tree health and ensuring stable olive production. Early signs of infection often appear on the leaves, making them a key indicator for timely disease detection and intervention. Traditionally, farmers rely on visual inspection or laboratory tests to diagnose plant diseases. However, recent advancements in deep learning (DL) have significantly improved the accuracy and efficiency of olive leaf disease diagnosis. Numerous studies in the literature have explored this task using CNN-based architectures and, more recently, Vision Transformers. While these models have shown promising performance on benchmark datasets, they are often trained and …

Ai-Driven Collision Risk Prediction And Debris Optimization In Low Earth Orbit, Emad Alkhazraji, Mohamed E. Yahia, R. E. Tolba, N. S. Alharthi

All Works

Debris congestion and collision in low Earth orbit have become a major point of concern due to the rapid expansion of activities in that region. In this work, an AI-driven framework is developed and deployed to predict, analyze, and optimize collision risk across the altitude inclination space. Local debris object population, mass density distribution, and conjunction derived risk are computed. Then, an AI surrogate model, viz., gradient-boosted decision trees, was trained to predict collision conjunction relative probabilities and risk. Thereafter, data analysis and explain ability techniques are utilized to uncover underlying risk drivers and reveal how altitude, inclination, mass loading, …

The Hidden Heatwave: Thermal Hazards In The New York City Subway System, Abdou Rachid Bah, Maimuna Muntaha, Lenny L. Metlitsky, Cesar Pascal Vasquez, Tyler Ayala, Isaac Morel Lopez, Shaquan A. Larose, Kingston Ditsch, Kip Nielsen, Shaunak Sharma, Reginald U. Avila-Ortega Blake, Hamidreza I. Norouzi

Publications and Research

Underground transit systems (Subway) are susceptible to frequent heat waves, which pose serious health and safety risks to commuters and transit workers. Yet, the patterns and extent of temperature changes within the subway system remain insufficiently understood. To address this gap, we conducted a study of thermal variability across 112 subway stations in New York City. Temperature and relative humidity were measured at both platform and street levels. Results show that during the summer, 70% of subway stations had platform heat index higher than street level heat index. We also developed a machine learning forecasting model to predict platform-level temperatures. …

Efficient Removal Of Methyl Orange Dye Via A Mnfe₂O₄/Go Nanocomposite With A Ctab Dual-Layer Surfactant Coating, Taher Karami, Soleiman Bahar, Reza Mostafazadeh

Research outputs 2022 to 2026

This study investigated the adsorption of methyl orange (MO) from aqueous solutions using a novel MnFe₂O₄/GO nanocomposite coated with cetyltrimethylammonium bromide (CTAB). The dual-layer surfactant modification facilitates both electrostatic and lipophilic interactions. This enhancement significantly improves dye removal efficiency. The adsorption process was monitored using spectrophotometry at 464 nm, with various characterization techniques confirming the structural and magnetic properties of the nanocomposite. The optimized parameters for maximum adsorption include a 2-minute ultrasonic dispersion, pH 6.8, and a surfactant-to-adsorbent ratio of 1, achieving a maximum adsorption capacity of 285.7 mg/g. The kinetic data followed a pseudo-second-order model, whereas the adsorption isotherm …

Structural And Electrochemical Characterization Of Na2co3/ Γ- Al2o3 Electrodes For Supercapacitor, Wiwin Dwiana, Jeniva Dinta Nanda Fahreza, Anissa Chairani Alfin Nadhira, Fatimatuz Zahra, Erma Surya Yuliana, Muhammad Safwan Abd Aziz, Nandang Mufti

Journal of Mechanical Engineering Science and Technology (JMEST)

The development of electrode materials with suitable structural and surface properties is crucial for improving electrochemical energy storage systems. Gamma alumina (𝛾-Al₂O₃) has attracted considerable interest in electrochemical research due to its unique structural and surface properties. However, its charge-storage capacity is still limited, highlighting the need for structural and compositional modifications to improve its electrochemical performance. In this study, Na₂CO₃ was introduced into 𝛾-Al₂O₃ as a sodium precursor to induce phase modification and enhance the electrochemical activity. The systematic incorporation of Na₂CO₃ also provides an opportunity …

Peakon Solutions And Analytical Properties For The Camassa–Holm-Type Equations With Quadratic Nonlinearities, Yonghong Chen, Zhijun Qiao, Mingxuan Zhu

School of Mathematical & Statistical Sciences Faculty Publications

In this paper, we derive the multi-peakon dynamical system of a class of Camassa-Holm-type equations with quadratic nonlinearities. We also consider the analytical properties for the Cauchy problem. Firstly, we establish local well-posedness of solutions in Besov spaces and then provide the blow-up criteria. Subsequently, we impose appropriate sufficient conditions on the initial data to guarantee that the corresponding solution either exists globally or blows up in a finite time. Finally, we prove the ill-posedness in the Besov space B2,∞^3/2 by utilizing the non-traveling wave solutions.

From "Ice Cave" To "Iced Cave": A Semantic And Process-Based Refinement For Rock-Hosted Caves Containing Perennial Ice, Jan Barabach

International Journal of Speleology

The term "ice cave" is deeply entrenched in speleological literature, but it fails to distinguish between two distinct phenomena: voids carved entirely within glacier ice and bedrock cavities hosting secondary perennial ice. This paper highlights the century-long conceptual ambiguity surrounding this nomenclature and proposes a process-oriented taxonomic reform. Based on grammatical, climatic, and cross-linguistic rationales, this paper advocates adopting the participial modifier "iced cave" as a precise alternative to the noun-noun construct "ice cave" for rock-hosted environments. This shift accurately frames subterranean ice as a dynamic secondary infill rather than a structural matrix, aligning English terminology with established practices in …

Defense-To-Attack: Bypassing Weak Defenses Enables Stronger Jailbreaks In Vision-Language Models, Yunhan Zhao, Xiang Zheng, Yige Li, Xingjun Ma

Research Collection School Of Computing and Information Systems

Despite their superb capabilities, Vision-Language Models (VLMs) have been shown to be vulnerable to jailbreak attacks. While recent jailbreaks have achieved notable progress, their effectiveness and efficiency can still be improved. In this work, we reveal an interesting phenomenon: incorporating weak defense cues into the attack pipeline can significantly enhance both the effectiveness and efficiency of jailbreaks on VLMs. Building on this insight, we propose Defense2Attack, a novel jailbreak method that bypasses the safety guardrails of VLMs by leveraging defensive patterns to guide jailbreak prompt construction. Specifically, Defense2Attack consists of three key components: (1) a visual optimizer that embeds universal …

Analyzing Developer Discussions On Eu And Us Privacy Legislation Compliance In Github Repositories, Georgia M. Kapitsaki, Maria Papoutsoglou, Christoph Treude, Ioanna Theophilou

Research Collection School Of Computing and Information Systems

Context: Privacy legislation has impacted the way software systems are developed, prompting practitioners to update their implementations. Specifically, the EU General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA) have forced the community to focus on users’ data privacy. Objectives: Relying on the vast amount of data on developer issues available in GitHub repositories, our aim is to gather empirical evidence on the issues developers of Open Source Software discuss to comply with privacy legislation. Method: We examined such discussions by mining and analyzing 32,820 issues from GitHub repositories. We partially analyzed the dataset automatically to identify …

Spatialimaginer: Towards Adaptive Visual Imagination For Spatial Reasoning, Yian Li, Yang Jiao, Bin Zhu, Tianwen Qian, Shaoxiang Chen, Jingjing Chen, Yu-Gang Jiang

Research Collection School Of Computing and Information Systems

Spatial intelligence, which refers to the ability to reason about geometric and physical structure from visual observations, remains a core challenge for multimodal large language models. Despite promising performance, recent multimodal large language models (MLLMs) often exhibit fragile reasoning traces in spatial intelligence tasks that involve consistent spatial state recognition. We argue that these failures stem from a mismatch between the spatial recognition mechanism and the text-only reasoning behavior of these MLLMs. Effective spatial reasoning requires low-level geometric structure to be faithfully preserved and updated throughout the reasoning process, whereas textual representations tend to abstract away precisely these critical details. …

Effects Of Demineralization Protocols On Hydrogen And Oxygen Isotope Ratios In Fossil Bone Collagen, Linda M. Reynard

Boise State University Publications and Presentations

The effect of three commonly used preparation protocols on bone collagen δ2H and δ18O values was investigated, using six generally well-preserved faunal bones (cattle, bison, horse) ranging in age from the Holocene to Late Pleistocene. The treatments tested were ethylene diamine tetraacetic acid demineralization without gelatinization and hydrochloric acid demineralization with and without gelatinization. There are significant shifts in δ18O values among preparation methods. No systematic shifts in bone collagen δ2H values were noted among the three treatments, and most offsets were low (< 2–3 ‰) and smaller than typical measurement uncertainties. A few sample/treatment combinations yielded slightly higher inter-treatment δ2H differences (∼ 5–7 ‰). Lower mass fraction of hydrogen in …

A Review Of Gallium And Germanium Recovery From Industrial Solid Residues, Ernest V. Oteng, Marthias Silwamba, Lana Alagha, Alex Luyima

Mining Engineering Faculty Research & Creative Works

The global demand for critical elements such as gallium (Ga) and germanium (Ge), and the shift toward circular mining has accelerated the development of new extraction and recovery processing these metals from industrial solid residues. This transition is driven by a substantial surge in demand for advanced technologies and the depletion of primary ore. Consequently, industrial solid residues, particularly zinc processing residues, smelter slags, flue dusts, and coal fly ash, are emerging as viable alternative sources. These residues incorporate Ga and Ge through isomorphic substitution in phases such as ferrites, silicates, and glassy aluminosilicates, and are enriched by industrial processes, …

Keyframe Selection From Motion Capture Data With Dual-Agent Reinforcement Learning, Kun Hu, Wang, Clinton Mo, Mingyang Ma, Shaohui Mei, Zebin Chen, Zhiyong Wang

Research outputs 2022 to 2026

Animation production workflows centered around motion capture techniques require animators to edit motions based on a set of keyframes. However, most existing keyframe selection methods are optimization-based, which suffer from the issues of flexibility and efficiency. In this paper, a novel deep reinforcement learning method with dual agents are proposed for unsupervised keyframe selection. First, an S-Agent and an R-Agent evaluate the actions of selection and refinement, respectively. A deep spatio-temporal network, namely graph keyframe evaluation network (GKEN), is proposed for the agents. Then, an animation specified reward is devised based on reconstruction, which fulfills three important properties of the …

Codee Expects That Every Mathematician Will Do Their Odes: From The Battle Of Trafalgar To Calculus (Or Nelson To Newton), Steven Miller

CODEE Journal

Using the historical Battle of Trafalgar as a case study, we introduce students to mathematical modeling to describe and explore real-world systems. Starting with the question—how do force sizes and combat effectiveness determine which side wins?—we show how to use a blend of mathematics and computational tools to investigate the answer. Beginning by defining a simple differential equation model for combat dynamics, we analyze its behavior using differential equations and accessible algebraic techniques. We show how computational methods and simulations can support systematic, visual exploration and suggest conjectures that mathematical analysis can then establish. This material could serve as the …

Climate Transition Stress Testing For Corporate Credit Risk: A Replicable Data-Mining Pipeline Using Esg Risk Scores, Huynh Long Hung Nguyen, Alan @ Ali Madjelisi Megargel, Rajesh Krishna Balan, Paul Robert Griffin

Research Collection School Of Computing and Information Systems

We present a replicable data-mining pipeline for illustrative, scenario-conditioned corporate distress analysis under feature decoupling. The pipeline links Compustat financial statements with Sustainalytics ESG Risk Rating records for 2,144 U.S. non-financial public firms, constructs a standardized Transition Risk Index (TRI), estimates a contemporaneous accounting-distress classifier, and applies transparent transition-cost sensitivities. Distress is defined as annual operating income insufficient to cover annual interest expense; interest coverage itself is excluded from the predictors. The resulting model is not a forward default forecast or a regulatory probability-of-default model. On a held-out cross-sectional test set, the logistic specification obtains AUC 0.909, PR-AUC 0.822, and …