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Sentiment Analysis of Marketplace Lending Platforms: A Study Based on Natural Language Processing

Jewel Kumar Roy

Publication Name: International Journal of Business Analytics

Publication Date: 2025-01-01

Volume: 12

Issue: 1

Page Range: Unknown

Description:

This study explores the link between user sentiment and credit risk on FinTech lending platforms using sentiment analysis techniques like Latent Dirichlet Allocation (LDA) and the Liu Hu method. Analyzing data from 2020 to 2023, findings reveal Kiva leads with 91.16% positive feedback and a 4.7-star rating but fewer reviews (617). LendingClub, with 1.58K reviews, has mixed sentiment (56.08% positive, 39.99% negative) and a lower rating (3.3 stars). Plenti achieves 58.33% positive sentiment but lower coherence, while Mintos balances sentiment (66.69% positive) with the largest review base (100K+). Results show platforms with higher positive sentiment and topic coherence mitigate credit risk more effectively, underscoring the value of user feedback in optimizing marketplace lending. The study offers actionable insights for FinTech stakeholders to improve app performance and user-centric financial solutions through effective sentiment analysis.

Open Access: Yes

DOI: 10.4018/IJBAN.393942

European Green Transition Implications on Africa’s Livestock Sector Development and Resilience to Climate Change

Kennedy Ndue Goda Pál

Publication Name: Sustainability Switzerland

Publication Date: 2022-11-01

Volume: 14

Issue: 21

Page Range: Unknown

Description:

Green growth and the transition towards green growth are gaining scientific and public interest across Africa at an unprecedented rate. The Paris Agreement ratification by all 54 member states and the African Union (AU) goals in its Agenda 2063 on green economies are sufficient evidence of this. This is in line with the European Green Deal (EGD) aspirations, which envisages making Europe a carbon neutral economy by 2050. One of the EGD’s four main pillars is sustainable food systems. The success of EGD is premised on its ability to inspire and support green transition and effective climate action globally. The borderless nature of climate change necessitates a holistic approach to ensure the EU’s green transition does not come at the cost of development elsewhere. The main challenge is finding Africa’s space and position within the desired holistic approach, as Africa’s economy is agriculturally driven. One key African agricultural sub-sector significantly impacting livelihoods is livestock, which supports up to 80% of the rural livelihoods and which grapples with challenges in satisfying the needs of a fast-growing population. What could the EU green transition mean to this sector? We established that between 2010–2019, the African livestock population grew exponentially, and feed production followed the same path, with the share of land under forests, grasslands and meadows declining drastically. Over the same period, the percentage of land under arable farming increased while the animal-based protein and meat imports curve grew exponentially. This situation puts the continent in a dilemma about finding a sustainable solution for the food–feed and environmental nexus. Against this backdrop, a myriad of questions arises on how the green transition can be established to promote mitigating any loss that might occur in the process. We conducted a detailed sectoral trend analysis based on Food and Agricultural Organization (FAO) statistics to find plausible solutions and pathways to achieve a greener transition. We coupled it with intensive policy mapping to develop science-policy-driven solutions that could promote the green transition sustainably. To sustainably accelerate the sectoral growth trajectory while addressing climate change, we recommend adopting and implementing raft measures geared towards increased sectoral efficiency, effectiveness, innovativeness and a holistic approach to the problem. Adopting transformative policies can promote the sector’s competitiveness through incentivisation, technological adoption, financial support, market support and increased awareness of its importance in sustainable development. However, exercising caution in implementing these practices is crucial to ensure there is no leakage effect in implementing the EGD across Africa and beyond.

Open Access: Yes

DOI: 10.3390/su142114401

Psychological foundations of ethical consumerism: Influential role of quality and stigma

Ebtesam Abdullah Alzeiby Adrienn Dernóczy-Polyák Sher Jahan Khan Bhumika Gupta Adrienn Dernóczi-Polyák

Publication Name: Acta Psychologica

Publication Date: 2026-02-01

Volume: 262

Issue: Unknown

Page Range: Unknown

Description:

Ethical consumer behaviour has been receiving much attention in recent times, due to heightened social issue on sustainability, corporate social responsibility and ethical consumption from the community. Integrated with the Value-Belief-Norm (VBN) Theory, this study investigates the influences of altruistic, biospheric, and hedonic values on ethical buying behaviour under the mediating mechanism of behavioural beliefs, personal norms, and subjective norms. Moreover, the present research also explores the moderating effects of perceived product quality and social stigma in the relationship between subjective norms, personal norms and ethical buying behaviour. A cross-sectional survey design approach was employed where data were gathered from students studying in India. The findings indicate that altruistic, biospheric, and hedonic values have an indirect impact on ethical buying behaviour via related behavioural beliefs, personal norms, and subjective norms. The moderating roles of quality and stigma show some interesting counteracting influences. Product quality was found to enhance the subjective norms and ethical buying behaviour relationship while undermining the relationship between personal norms and ethical buying behaviour. By contrast, stigma reduced the influence of subjective norms but enhanced the effect of personal norms on ethical buying behaviour. The work adds to the ethical consumption literature by combining theoretical perspectives and emphasising the complexity of how these moderating variables function in ethical decision-making. The findings provide both theoretical implications from the perspective of the psychological mechanism of ethical behaviour and managerial implications for firms looking to motivate ethical consumption.

Open Access: Yes

DOI: 10.1016/j.actpsy.2025.106075

Psychological and anthropometric characteristics of a Hungarian Elite Football academy's players

József Bognár István Csáki Selmeci Zoltán Kiss Barbara Fózer-Selmec Zsolt Szakály

Publication Name: Physical Culture and Sport Studies and Research

Publication Date: 2017-03-01

Volume: 73

Issue: 1

Page Range: 15-26

Description:

Due to the fact that neither physical nor physiological and anthropometric differences in adolescents can serve as definitive differentiating factors in terms of choosing successful and non-successful players, coaches are encouraged to focus more on thepsychological characteristics ofyoung players. Therefore, the purpose of this study was to examine football players' psychological skills in an elite football academy as related to age and position. Every young player at one of the most successful football academies in the country participated in this study (N=119, M=16.44±1.17). The sample was divided into four age groups according to the championship system (U16, U17, U18, U21), and into specific football positions (goalkeeper, defender, midfielder, and striker). Basedonthe results, the young academy football players had a low level ofamotivation (1.45±0.68), a high level of extrinsic motivation (5.96±0.64), and can be characterized with a higher level task (4.02±0.62) than ego orientation (3.01±0.62). All of the results for coping skills were in the mid-range (M=3.00-3.41). There were no differences in motivation, perceived motivational climate, and coping among the football players regarding their positions. However, there were significant differences among the age groups in perceived motivation and coping skills. Older players were more egooriented and had a higher level of peaking under pressure, while younger players demonstrated higher level task, ego, and coach ability levels. Football coaches need to focus less on positions and more on age differences when dealing with motivation, perceived motivation, and coping.

Open Access: Yes

DOI: 10.1515/pcssr-2017-0002

Fuzzy extension for Kano's model using bacterial evolutionary algorithm

János Botzheim Péter Földesi Laszlo T. Koczy

Publication Name: Isciii 07 3rd International Symposium on Computational Intelligence and Intelligent Informatics Proceedings

Publication Date: 2007-09-25

Volume: Unknown

Issue: Unknown

Page Range: 147-151

Description:

For designing and developing products/services it is vital to know the relevancy of the performance generated by each technical attribute and how they can increase customer satisfaction. Improving the parameters of technical attributes requires financial resources, and the budgets are generally limited. Thus the optimum target is to achieve maximum customer satisfaction within given financial limits. Kano's quality model classifies the relationships between customer satisfaction and attribute-level performance and indicates that some of the attributes have a nonlinear relationship to satisfaction, rather power-function should be used. For the customers' subjective evaluation these relationships are not deterministic and are uncertain. This paper proposes a method for fuzzy extension of Kano's model and presents numerical examples that can prove the efficiency of bacterial evolutionary algorithm in as well. © 2007 IEEE.

Open Access: Yes

DOI: 10.1109/ISCIII.2007.367379

Comparing the aggregation capability of the MPT communications library and multipath TCP

Akos Kovacs

Publication Name: 7th IEEE International Conference on Cognitive Infocommunications Coginfocom 2016 Proceedings

Publication Date: 2017-01-03

Volume: Unknown

Issue: Unknown

Page Range: 157-161

Description:

The MPT network layer multipath communication library-which was proposed to be a possible new basis for the future cognitive info-communication-is capable to use multiple communication channels to create an UDP tunnel which uses GRE tunnel protocol. On the other hand, Multipath TCP uses a special kernel module which creates multiple TCP sub-flows to aggregate network throughput. In this paper we used twelve 100Mbps speed channels to compare the aggregation capabilities of these two multipath communication techniques. Different scenarios were used: we measured both IPv4 and IPv6 as underlying and encapsulation protocols. In all cases, we used one to twelve channels to measure the aggregation capabilities with the iperf network measurement tool and also with HTTP download.

Open Access: Yes

DOI: 10.1109/CogInfoCom.2016.7804542

Evaluation of human-Myo gesture control capabilities in continuous search and select operations

Adam B. Csapo Hunor Nagy György Wersényi Arni Kristjansson

Publication Name: 7th IEEE International Conference on Cognitive Infocommunications Coginfocom 2016 Proceedings

Publication Date: 2017-01-03

Volume: Unknown

Issue: Unknown

Page Range: 415-420

Description:

Tactile and haptic devices can be used to control and interact with a wide range of systems, including games, virtual environments and assistive technologies. Although many psychophysical studies have measured thresholds of human sensory capabilities for interpreting haptic and tactile feedback, relatively little is known about the precision with which we are able to guide the behavior of a system based on kinesthetic and myoelectric gestures. A broad study of the latter problem is important, especially now that a number of devices have appeared-such as the Leap Motion Controller and the Myo armband-which enable humans to use finger, hand and arm gestures to interact with the digital world. This paper provides a broad overview on the topic, and reports a set of preliminary experiments on the extent to which the Myo armband can be used to control auditory feedback in real time. Test results are evaluated based on a Bayesian statistical model of an empirical (but for the most part, unambiguous) performance scale. The goal is to investigate ways in which visually impaired users could use the Myo to control the output of an assistive technology.

Open Access: Yes

DOI: 10.1109/CogInfoCom.2016.7804585

Robust 3D multi-material hydrodynamics using discontinuous Galerkin methods

József Bakosi Jacob Waltz Aditya Pandare Weizhao Li Hong Luo

Publication Name: International Journal for Numerical Methods in Fluids

Publication Date: 2025-02-01

Volume: 97

Issue: 2

Page Range: 188-209

Description:

A high-order discontinuous Galerkin (DG) method is presented for nonequilibrium multi-material ((Formula presented.)) flow with sharp interfaces. Material interfaces are reconstructed using the algebraic THINC approach, resulting in a sharp interface resolution. The system assumes stiff velocity relaxation and pressure nonequilibrium. The presented DG method uses Dubiner's orthogonal basis functions on tetrahedral elements. This results in a unique combination of sharp multimaterial interfaces and high-order accurate solutions in smooth single-material regions. A novel shock indicator based on the interface conservation condition is introduced to mark regions with discontinuities. Slope limiting techniques are applied only in these regions so that nonphysical oscillations are eliminated while maintaining high-order accuracy in smooth regions. A local projection is applied on the limited solution to ensure discrete closure law preservation. The effectiveness of this novel limiting strategy is demonstrated for complex three-dimensional multi-material problems, where robustness of the method is critical. The presented numerical problems demonstrate that more accurate and efficient multi-material solutions can be obtained by the DG method, as compared to second-order finite volume methods.

Open Access: Yes

DOI: 10.1002/fld.5340

NDSP: A platform for audiophile software audio processing

Claudiu Radu Pozna Adrian Sebastian Paul Radu Codrut David Radu Emil Precup

Publication Name: Iccc Conti 2010 IEEE International Joint Conferences on Computational Cybernetics and Technical Informatics Proceedings

Publication Date: 2010-08-06

Volume: Unknown

Issue: Unknown

Page Range: 431-436

Description:

This paper proposes a platform referred to as nDSP to interconnect different software audio signal processing effects which are modularized. The new platform is focused on having all processing done by the system CPU at higher quality than that achieved using hardware DSPs. The software representation of the module inside the platform is defined such that its state can be externally controlled, therefore the design of self-tuning filters is allowed. The design aims the further use of software audio signal processing in low-cost audiophile loudspeaker systems taking full advantage of the new personal computer hardware products. © 2010 IEEE.

Open Access: Yes

DOI: 10.1109/ICCCYB.2010.5491235