Digital Commons Network^™

A Qualitative Analysis Of Open Banking In Poland: The Perspective Of Market Experts, Sylwia Ciechanowska

Studia i Materiały Wydział Zarządzania Uniwersytet Warszawski

Purpose: The purpose of this article is to present an in-depth analysis of the development of open banking in Poland based on interviews conducted with market experts representing financial institutions and regulatory authorities. The article identifies both the benefits and implementation barriers of open banking, with particular emphasis on the quality of APIs (application programming interfaces), system interoperability, and the impact of regulatory frameworks on service innovation and security.

Methodology: This qualitative study was conducted using structured interviews with market experts representing banks, fintech companies, regulatory authorities, and independent industry consultants. The selection of experts was purposive, with …

Exploring The Factors That Influence K-12 Teachers’ Use Of Open Educational Resources, Yu-Chun Kuo, Yu-Tung Kuo, Hungwei Tseng

Research, Publications & Creative Work

The features of open educational resources (OERs) have the potential of enhancing teaching effectiveness and student learning experiences in K-12 education. Encouraging K-12 teachers to use OERs requires an understanding of the factors that have an influence on teachers’ decisions to adopt or use OERs in their teaching. In this regard, this study explored the factors related to how teachers perceived their use of OERs, including the perceived ease of use of OERs, perceived usefulness of OERs, intention to adopt OERs, attitudes, OER self-efficacy, and so on. The relationships of several proposed factors were explored. The participants were teachers from …

Challenging Assumptions: Ai And Teacher Assessment Identity Formation, Nadia Ollington

Australian Journal of Teacher Education

This article explores the ways in which teacher educators can strengthen the developing teacher assessment identity of preservice teachers who are at the precipice of Industry 4.0, where work with Artificial Intelligence (AI) and assessment will require flexible thinking. This reflective case study narrative outlines a teacher educator’s experiences in a novel assessment task using Generative AI for technology enhanced learning in an Australian postgraduate teaching program. In the task, those who held positive beliefs and emotions about AI were more likely to engage in flexible thinking skills than those who were more critical of the AI. To ensure that …

Changes In Mentor Teacher Participation In Postgraduate Secondary Initial Teacher Education: Climatic Conditions Preceding Workforce Reform., Alison L. Hilton, Chad Morrison, Felicity I. Mclure, Kathryn G. Dehle, Sandi Fielder

Australian Journal of Teacher Education

Professional Experience placements provide invaluable opportunities for pre-service teachers to connect their expanding knowledge to teaching practice. When done well, these experiences are underpinned by purposeful and continuous guidance from experienced mentor teachers. Significantly, the participation and engagement of Australian mentor teachers in this process is voluntary in nature, meaning the system relies on teachers ‘opting-in’ to mentoring. This research examines mentor teacher participation within Secondary-level initial teacher education courses and highlights issues relating to overall mentor teacher (and host school) engagement. Analysis of placement data over a five-year period to 2021 illustrates a significant change in participation with a …

Raising Information Literacy Of Biology Pre-Service Teachers: Study On Three Problem Solving Methods, Muhammad Saefi, Hadi Suwono, Rifka Fachrunnisa, Widi Cahya Adi, Herawati Susilo, Ahmad Kamal Sudrajat

Australian Journal of Teacher Education

Integrating information literacy teaching methods with subject-content curricula to develop prospective biology teacher students' abilities is still problematic. This quasi-experimental research, with a nonrandomized pretest-posttest control group design, intends to compare the influences of challenge-based learning (CBL), problem-based learning (PBL), and problem-solving through classroom discussion (PCD) – as the control- in improving information literacy. This study involved 183 students from three classes of freshmen and three sophomores in the biology education program. The results showed that CBL significantly improved students' information literacy compared to PBL and PCD across five indicators: 1) identifying the required information, 2) attaining the required information …

Deep Learning For Precise Mri Segmentation Of Lower-Grade Gliomas, Wusat Ullah, Hamza Naveed, Saalam Ali

Sustainable Machine Intelligence Journal

Brain tumors represent a significant public health issue worldwide, affecting individuals across all age groups and leading to severe neurological and cognitive deficits. Lower-grade gliomas (LGGs), classified by the World Health Organization (WHO) as grade II or III, are characterized by more diffuse infiltration into brain tissue compared to high-grade gliomas but exhibit a slower growth rate. Precise evaluation of tumor resection and detection of residual tumor cells are critical, as incomplete resection is associated with an increased risk of disease recurrence. This study reviews an automated, deep learning-based approach for brain tumor segmentation in Magnetic Resonance Imaging (MRI) using …

Advanced Fruit Quality Assessment Using Deep Learning And Transfer Learning Technique, Walid Abdullah

Sustainable Machine Intelligence Journal

Ensuring the quality of fruits is essential for consumer satisfaction and food industry standards. Accurately identifying and classifying high-quality fruits is essential for maintaining good health and nutrition. The subjective and labor-intensive nature of traditional techniques of evaluating quality highlights the need for automated solutions. This study utilized transfer learning with Four pre-trained convolutional neural network (CNN) models—MobileNetV2, ResNet50, VGG16, and EfficientNetB0 —to detect the quality of five fruits: apple, banana, strawberry, orange, and mango. All models were trained and tested with a public labeled fruit images dataset, and their performance was evaluated in terms of accuracy, precision, recall, and …

A Hybridized Cnn-Lstm-Mlp-Knn Model For Short-Term Solar Irradiance Forecasting, Doaa El-Shahat, Ahmed Tolba

Sustainable Machine Intelligence Journal

The accurate prediction of solar irradiance is essential for maximizing renewable energy production. Despite some researchers struggling to achieve sufficient prediction accuracy and model quality, we are working on developing a forecasting model for solar radiation using advanced artificial intelligence techniques. Solar energy offers a sustainable alternative to fossil fuels and has a wide range of applications, making the development of an effective forecasting model crucial. This paper proposes a hybrid model that combines deep learning and machine learning methods, denoted as CNN-LSTM-MLP-KNN. By combining Convolutional Neural Network (CNN), Long Short-Term Memory (LSTM), Multilayer Perceptron (MLP) and K-Nearest Neighbors (KNN), …

Enhancing Software Effort Estimation In Healthcare Informatics: A Comparative Analysis Of Machine Learning Models With Correlation-Based Feature Selection, Muhammad Abid, Sama Bukhari, Muhammad Saqlain

Sustainable Machine Intelligence Journal

Software effort estimation is one of the most crucial processes in the management of software projects predominantly related to the healthcare industry. It involves the prediction of efforts needed to develop and endorse different software applications. To render clinical projects on time within the budget range, flawless projection with efficient planning is incumbent. This paper discloses the techniques that utilize machine learning models for ameliorating software effort estimation by using biomedical datasets, including Breast Cancer Wisconsin, COVID-19, Sleepy Drivers EEG Brainwave, Heart Disease Prediction and Food Nutrition. All of these datasets are cleaned and prepared by handling missing values, converting …

An Hplc-Ms/Ms Method For The Quantification Of Heat Stress-Related Milk Metabolites In Milk From Holstein-Friesian Cross-Bred Cows In Tanzania, Vincent Habimana, A.S Nguluma, Z.C Nziku, C.C Ekine-Dzivenu, G Morota, R Mrode, S.W Chenyambuga

All Rsif Scholars' Publications

The main objective of this study was to develop and validate a high-performance liquid chromatography-tandem mass spectrometry (HPLC-MS/MS) method for the determination and quantification of three metabolites in raw milk samples: creatinine, citrate, and β-hydroxybutyrate (3-BHB). The effect of the temperature-humidity index (THI) on the concentrations of these metabolites was also investigated. The study used 29 Holstein-Friesian × Tanzanian Shorthorn Zebu cross-bred cows of two genotypes from the Tanzania Livestock Research Institute in Tanga, Tanzania. The cows were in their second or third parity and their second or third month of lactation. Chromatographic separation of the three metabolites was performed …

Climate-Driven Shifts In The Geographic Distribution Of Fodder Trees In West AfricaʼS Grazing Landscapes, Idrissa Sawadogo, Philippe Bayen, Larba Hubert Balima, Charles Lamoussa Sanou, Faustine Akossoua Kouassi, Omonlola Nadine Worou

All Rsif Scholars' Publications

West African pastures host several valuable fodder tree species which are essential for livestock rearing. Among these, Cordyla pinnata and Boscia senegalensis play a particularly significant role in the region’s landscape, providing both food products and high-quality fodder for livestock. However, these species face an increase anthropogenic threat, which compromises their long-term availability. Despite their importance, little is known about their spatial distribution under changing climatic conditions in West Africa. This study, we assessed the impact of climate change on the geographic distribution of Cordyla pinnata and Boscia senegalensis in Burkina Faso. Presence data comprising 306 records of C. pinnata …

Petrophysical And Petrographic Characterisation Of The Reservoirs In Niger Delta For Carbon Capture And Storage, Itai Mutadza, Sunday Ikiensikimama, Ogbonna F. Joel

All Rsif Scholars' Publications

The unprecedented levels of carbon dioxide in the atmosphere are linked to the rising average temperatures that the world is experiencing. Carbon sequestration in geological formations is one of the key strategies to combat climate change. However, it is essential to characterise these geological formations to assess the potential success of environmentally friendly carbon sequestration. Controlling carbon sequestration and its migration within porous sandstones is largely dependent on the textural and geometrical characteristics of the pore networks, including tortuosity, connectivity, pore size distribution, and pore shape. Microstructural analysis of the reservoirs helps reduce risks and uncertainties associated with carbon …

Estimation Of Genetic Parameters For Physiological And Milk Production Traits Of Holstein Friesian Crossbreds Reared In Tanzania, Vincent Habimana, Chinyere Charlotte Ekine-Dzivenu, Athumani Shabani Nguluma, Zabron Cuthibert Nziku, Gota Morota, Sebastian Wilson Chenyambuga, Raphael Mrode

All Rsif Scholars' Publications

The main objective of this study was to estimate the genetic parameters for physiological traits, milk yield, and milk composition in Holstein Friesian crossbred cattle raised at the Tanzania Livestock Research Institute’s (TALIRI) Tanga dairy farm. A total of 29 lactating Holstein Friesian × Zebu crossbred cows with 50% (HF50) and 75% (HF75) Holstein Friesian gene levels in their second and third months of lactation were included. Breed composition was determined based on the animal recording system at TALIRI, Tanga. A series of univariate and bivariate repeatability (r) test-day models was used to estimate genetic parameters, genetic (rg) and phenotypic …

Development Of High-Performance Basalt Fiber-Reinforced Polymer Composite Using A Nanocellulose-Based Surface Modification Strateg, Abdulrahman Adeiza Musa, Junha Park, Gonui Hong, Soon Ho Yoon, Azikiwe Peter Onwualu, Minkook Kim

All Rsif Scholars' Publications

Basalt fibers (BFs) have emerged as a promising alternative reinforcement material for developing fiberreinforced polymer (FRP) composites, due to their lower environmental impact compared with traditional fibers such as carbon and glass. However, the weak interfacial bonding between BFs and the polymer matrix limits the mechanical performance of basalt fiber-reinforced polymers (BFRPs). In this work, nanocelluloses (NCs), including cellulose nanofiber (CNF) and cellulose nanocrystal (CNC), were investigated as bio-based interfacial modifiers to enhance fiber–matrix adhesion and improve the mechanical performance of BFRP. While direct incorporation of NC into epoxy resin is challenging due to its poor dispersibility in hydrophobic media, …

Effect Of Malt Barley Cluster Farming On Food Security In Amhara Region, Ethiopia, Betelhem Tsedalu Adane, Irene Susan Egyir, Edward Ebo Onumah, Ama Asantewah Ahene-Codjoe, Taeyoon Kim

All Rsif Scholars' Publications

Cluster farming is the practice of merging neighbouring farms into a unified production unit to grow specific crops collaboratively. This is a promising method to enhance food security by improving agricultural productivity through coordinated resource use and enabling access to inputs, technologies, and markets. Despite this benefit, no empirical studies have examined how malt barley cluster farming affects smallholder farmers’ food security. This study adopts descriptive and econometric analysis, including the endogenous switching regression model (ESRM) and control function approach to account for selection bias and endogeneity in estimating the causal effect of malt barley cluster farming. Cross-sectional data were …

Preliminary Investigation On Nigerian Lithium Ores For Efficient Lithium Oxide Extraction, Olajuyi Seun Isaiah, Afolayan David Oluwasegun, Ogunmodimu Samuel Olumide

All Rsif Scholars' Publications

This paper assesses the compositions of the lithium-rich minerals and the quantity of extractable lithium oxide in the minerals. The x-ray diffraction (XRD) shows 17% - 34% of spodumene and 9% to 30% of lepidiolite. Similarly, atomic absorption microscopy (AAS) indicates that the lithium-rich minerals contain 0.820% - 3.051% and 0.040 - 2.395% of lithium oxide (Li2O). Further results confirm the presence of lithium-rich minerals in Nigeria, and a high quantity of lithium-rich minerals suggests that high lithium oxide can be extracted. This information is useful for miners, mining and mineral processing industries, and investors in lithium for different industrial …

Mechanistic Insights Into Nigerian Lithium Ores: Implications For Energy And Industrial Applications, Seun Isaiah Olajuyi, Hassan Adamu Abubakar, O. S Ogunmodimu, D. O . Afolayan

All Rsif Scholars' Publications

Lithium is a critical element in battery technology for renewable energy storage applications. The mineral offers potential solutions to the current surge in global energy demand and can position Nigeria as a potential key player in the lithium supply chain. However, little to nothing is known of the lithium deposits in Nigeria. This review explores the formation, geology, and ongoing exploration activities of lithium in Nigeria. The study provides an overview of the geological settings and mineralogical characteristics of the Nigerian lithium-bearing pegmatites and ores, comparing them with global deposits. It also examines current lithium mining and processing techniques, identifies …

Using Public Nuisance Litigation To Address Industrywide Misconduct: Common-Law Statutes, Nondelegation, And Regulation, Hillel Y. Levin, Timothy D. Lytton

Scholarly Works

In this Article, we assert that broad, open-ended public nuisance statutes offer a legitimate legal tool to curb public health harms caused by the unreasonable design, marketing, and distribution practices of product manufacturers. We argue that these statutes are "common-law statutes" by which legislatures authorize courts to apply the concept of public nuisance to new situations using common-law-style reasoning. We demonstrate that this understanding of public nuisance statutes is consistent with well-established interpretive traditions regarding the codification of common law. Statutory delegation of broad interpretive discretion to courts concerning the application of public nuisance law constitutes a legislative choice to …

Charting New Frontiers: A Legal Literature Review Of Social Entrepreneurship And Impact Investing 2018–2023, Anne M. Tucker, Deborah Burand

Scholarly Works

This Article surveys 177 articles published in U.S. law reviews and journals between 2018–2023 that contribute to the fields of social enterprise, social finance and impact investing. The Article extends our earlier legal literature review of the same fields from 2007-2017.Our collective 17-year review of this span of legal literature documents the legal issues examined by scholars with respect to the development of sophisticated alternative business forms, like the Delaware Public Benefit Corporation; the growth in impact investing; the enduring academic interest in corporate purpose; and the effects that developments related to ESG and corporate sustainability are having on the …

Flight Path To Accountability: A Legal Comparison Of Boeing’S Shortcomings, Airbus’S Successes, And International Aviation Safety Regulations, Riley M. Wagstaff

Journal of Air Law and Commerce

Investigations following two separate and deadly crashes of Boeing 737 8 Max aircraft revealed that America’s most trusted manufacturer had failed to notify pilots and airliners alike of a new Maneuvering Characteristics Augmentation System, commonly known as MCAS. What had first seemed like an accident unfortunately had a deeper and traceable history. Through relatively new United States legislation, Boeing was essentially permitted to oversee their own operations and grant airworthiness certifications for their own aircrafts. This practice is wholly unlike the detailed certification process of the European manufacturing giant, AirBus, by the European Aviation Safety Administration (EASA). This comment sheds …

Acc 362: Cryptoassets & Accounting Implications, Sean Stein Smith

Open Educational Resources

AI Policy and course materials (case studies) for course ACC 362: Cryptoassets & Accounting Implications.

Strengthening Ecosystem Sustainability And Climate Resilience Through Integrative Nature-Based Solutions In Bontioli Natural Reserve, West African Drylands, Issaka Abdou Razakou Kiribou, Kangbéni Dimobe, Sintayehu W. Dejene

All Rsif Scholars' Publications

Natural reserves in the West African drylands play a critical role in sustaining livelihoods and preserving ecological integrity. However, these ecosystems face growing threats from climate variability and anthropogenic pressure. This study assesses the potential of Nature- based Solutions (NbSs) to enhance climate resilience and mitigate human-induced degra- dation in Bontioli Natural Reserve (BNR), one of the region’s key biodiversity hotspots. We employed an integrated approach combining ecological assessments, climate and anthro- pogenic pressures analysis, and participatory governance framework. Generalized additive modeling (GAM) is applied to assess the long-term vegetation response to climate stressors. A conceptual framework that integrates climate …

Spatiotemporal Land Use Changes Dynamics Impacts On Natural Reserves In West African Dryland: Drivers, Carbon Emissions And Climate Change Implications, Issaka Abdou Razakou Kiribou, Kangbéni Dimobe, Charles Lamoussa Sanou, Sintayehu W. Dejene

All Rsif Scholars' Publications

Land use change (LUC), primarily driven by anthropogenic pressure, poses a major threat to West African drylands’ vegetation. As critical indicators of ecosystem sustainability, LUC patterns reflect how human activities alter carbon dynamics and climate vulnerability. This systematic review analyzes the spatial and temporal dynamics of LUC impacts on natural reserves. Using targeted keywords, 18 peer-reviewed articles and institutional reports were synthesized to assess LUC patterns, identify key biophysical and socio-economic drivers, and evaluate carbon and climate implications. Findings show substantial losses of natural ecosystems due to land conversion, deforestation, and soil degradation. Between 1975 and 2013, Sahelian savanna, woodland, …

Pest Status And Dynamic Of Sugarcane Stemborer (Eldana Saccharina) In Sugarcane Plantations Of Nyabugogo Tropical Wetland, Rwanda, Elie Ntirenganya, Muluken Goftishu, Bonoukpoè Mawuko Sokame, Yoseph Assefa, Venuste Nsengimana

All Rsif Scholars' Publications

Lepidopteran species richness and composition are influenced by complex interactions between biotic and abiotic factors that operate on different spatial scales. This study investigated the diversity and population structure of sugarcane stemborers across three phenotypically distinct sugarcane varieties: green, red, and white-powdery (CO 421) within the Nyabugogo Tropical Wetland ecosystem. Additionally, seasonal variation and the effects of gradual removal of older leaves-an important sanitation practice on stemborer population dynamics were evaluated between May and November 2023. During the investigation, 899 stemborer individuals were recorded from 601 infested stems out of 5400 examined stems. The results revealed that Eldana saccharina Walker …

Preliminary Assessment Of The Reservoir Rock In The Nigerdelta For Carbon Capture And Storage In Depleted Reservoirs, Itai Mutadza, Sunday S. Ikiensikimama, Ogbonna F. Joel

All Rsif Scholars' Publications

The world is running out of time to be on target for the Paris Agreement to maintain an average global temperature rise of 1.5°C.Carbon capture and storage (CCS) can win the race to anthropogenic gas stabilisation. Characterisation of geological formations isfundamental to ascertain the ability to keep injected carbon in perpetuity without posing a risk to the environment. This studyfocuses on the characterisation of the mineralogy, petrophysical, petrographic properties and micromorphological data of reser-voirs using core samples from the reservoirs in the Niger Delta, Nigeria. A systematic set of specialised equipment such as XRD,X-ray fluorescence (XRF) and SEM-EDS was implored …

Preliminary Assessment Of The Reservoir Rock In The Nigerdelta For Carbon Capture And Storage In Depleted Reservoirs, Itai Mutadza, Sunday S. Ikiensikimama, Ogbonna F. Joel

All Rsif Scholars' Publications

The world is running out of time to be on target for the Paris Agreement to maintain an average global temperature rise of 1.5°C.Carbon capture and storage (CCS) can win the race to anthropogenic gas stabilisation. Characterisation of geological formations isfundamental to ascertain the ability to keep injected carbon in perpetuity without posing a risk to the environment. This studyfocuses on the characterisation of the mineralogy, petrophysical, petrographic properties and micromorphological data of reser-voirs using core samples from the reservoirs in the Niger Delta, Nigeria. A systematic set of specialised equipment such as XRD,X-ray fluorescence (XRF) and SEM-EDS was implored …

Energy Efficiency In The Building Sector In Burkina Faso: Literature Review, Swot Analysis, And Recommendations, Bazam Amonet Ouoba Nebie, Abdou Lawane, Césaire Hema, Monica Siroux

All Rsif Scholars' Publications

In Burkina Faso, increasing access to electricity requires the optimized management of energy consumption in buildings and the implementation of regional and national regulations. These regulations have been implemented to promote energy efficiency in the building sector. However, they do not yet seem to have produced the expected results. Conducting a study could help identify the shortcomings related to energy efficiency and guide future research toward sustainable solutions. To date, no such study has been carried out. Therefore, this research aims to analyze the causes of these shortcomings, understand the gaps in the literature, and identify prospects for implementing energy …

Effects Of Flooding-Induced Migration On Farm Technical Efficiency In Rivers State, Nigeria, Jacinta Nmutaka Umechukwu, Daniel Bruce Sarpong, Akwasi Mensah-Bonsu, Ama Ahene-Codjoe, Taeyoon Kim

All Rsif Scholars' Publications

This study assessed the effects of flooding-induced migration on farm technical efficiency in Rivers State. Data were collected on episodes that occurred between 2011 and 2022 to estimate the trend of flooding in the study area and also farm technical efficiency (TE), specifically from 2022 production activities. Translog Stochastic frontier was estimated and TE generated. The effect of migration on farm’s TE was analyzed using endogenous treatment effect model and the average treatment effects were estimated. Results obtained showed that flooding episodes occurred yearly in the twelve years under review. The Stochastic frontier analysis showed that migration has a positive …

Assessment Of Bio-Security Knowledge, Attitude And Hygienic Practices Among Smallholder Chicken Farmers In Southern Mozambique, Noémia André Mugabe, Jamal Kussaga, Abdulsudi Issa-Zacharia

All Rsif Scholars' Publications

The production of broiler chickens in intensive systems struggles to maintain hygiene in production, despite contributing to combating malnutrition, generating employment, and increasing family income, especially in developing countries. Using a structured questionnaire survey, a cross-sectional study was carried out among 395 smallholder farmers to evaluate their knowledge, attitudes, and practices related to farm biosecurity in urban and peri-urban areas of Mozambique and determine the factors affecting KAP (knowledge, attitude, and practice) levels. Data were analyzed using Statistical Package for Social Science (SPSS) (IBM version 27). The findings indicate that education level and training significantly influence (p < 0.001) food safety in terms of biosecurity knowledge, attitudes, and practices. Smallholders who attended food safety training exhibited positive attitudes (95.5%, mean score of 89.71 ± 10.1) in contrast to those who did not participate in training (74.8%, mean score of 79.91 ± 9.68). Additionally, washing hands with soap before and after using the toilet and wearing protective clothing during chicken husbandry were significantly associated with education level (χ² = 15.345, P = 0.018); those with informal education were 34% less likely to have a negative attitude toward food safety compared to those with high education. A significant correlation (p < 0.01) was observed between residence area, training, and biosecurity knowledge, attitude, and practice. Because smallholders lack training, hygiene expertise, and biosecurity practices on their farms, this study concluded that they pose a risk to public health and food safety. To maintain consumer health and guarantee food safety, farmers should properly dispose of waste, including dead chickens, and receive continuous training in excellent biosecurity measures on the farm

Almanet: A Hybrid Online Learning Ids For Real-Time Iot Security, Promise Ricardo Agbedanu, Shanchieh (Jay) Yang, Richard Musabe, Ignace Gatare, James Rwigema

All Rsif Scholars' Publications

Although some modern Intrusion Detection Systems (IDSs) for Internet of Things (IoT) have explored online machine learning (ML) approaches to build these IDSs, most IoT-based IDSs are designed using offline ML techniques. IDSs built with offline ML approaches cannot adapt to rapidly changing IoT network conditions. They need continuous retraining and require a lot of computational power. To address these limitations, we propose ALMANET (ALMA+NET), a hybrid intrusion detection approach combining Approximate Large Margin Algorithm (ALMA) with Stochastic Weight Averaging (SWA) and an online neural network (NET). ALMANET leverages the power of online learning, which updates models incrementally and allows …