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Publications - 6374

Integrating ESG and Behavioural Factors in Marketplace Lending: A Structural Equation Modeling Analysis of Borrower Repayment Decisions

Jewel Kumar Roy

Publication Name: Journal of Risk and Financial Management

Publication Date: 2026-05-01

Volume: 19

Issue: 5

Page Range: Unknown

Description:

This study investigates the determinants of borrower repayment intentions in Marketplace Lending (MPL) platforms, focusing on the interplay between behavioural factors and Environmental, Social, and Governance (ESG) awareness in the Hungarian context. A Partial Least Squares Structural Equation Modelling (PLS-SEM) approach was employed to analyze survey responses from 477 participants familiar with MPL platforms. The study integrates constructs from behavioural finance (Perceived Usefulness, Perceived Ease of Borrowing, Theory of Planned Behaviour) and ESG-related factors (Socially Responsible Investment Theory, Reciprocity Theory) to assess their influence on repayment intentions. Perceived Usefulness (PU) emerged as the strongest predictor of Repayment Intention (RI) (β = 0.554, p < 0.001), highlighting the importance of platform functionality. Socially Responsible Investment Theory (SRIT) also had a significant positive impact (β = 0.194, p < 0.01), suggesting that ethical lending practices enhance borrower accountability through reciprocity mechanisms. Conversely, Continuance Intention to Borrow (CIB) and Credit Risk Theory (CRT) showed no significant effects. This study contributes to the literature by bridging behavioural finance, credit risk theory, and ESG principles in FinTech lending, offering a novel framework for sustainable lending practices.

Open Access: Yes

DOI: 10.3390/jrfm19050300

Machining of Fe-Based Amorphous Alloy Ribbons with Sub-50 Femtosecond Laser Pulses

Veronika Hanyecz Tamas Somoskoi Ibolya Zsoldos Judit Budai Mate Karnok Lazar Toth Gergely Kovács Miklós Füle Karoly Osvay Peter Gaal

Publication Name: Micromachines

Publication Date: 2026-02-01

Volume: 17

Issue: 2

Page Range: Unknown

Description:

Fe-based metallic glasses are ideal candidates to be utilized in transformer cores owing to their outstanding soft magnetic properties. However, they are difficult to machine properly by conventional means due to their mechanical brittleness and poor thermal conductivity. Here, the cutting of Fe91–Si4.5–C4.0–Al0.5 amorphous alloy ribbons is reported with a sub-50 fs laser pulses. A systematic study is performed on local morphological and chemical composition changes to the machined edge in comparison to crystalline metals. It is shown that only the innermost 80 (Formula presented.) m wide region of the cut edge shows any detectable modifications, which is much less than for continuous laser machining. Therefore, the proposed method is indeed a valuable approach to overcome the fine machining difficulties of metallic glasses.

Open Access: Yes

DOI: 10.3390/mi17020214

Unveiling latent topics in the interplay of Circular Economy and Energy Transition: A Topic Modelling approach

Pasquale Marcello Falcone Patrizio Giganti

Publication Name: Resources Conservation and Recycling

Publication Date: 2025-06-01

Volume: 219

Issue: Unknown

Page Range: Unknown

Description:

The Circular Economy (CE) and Energy Transition (ET) are crucial solutions for addressing global environmental challenges caused by linear economic models and fossil-based energy systems. Both approaches focus on enhancing energy and resource efficiency while minimizing environmental impacts. This Topic Modelling-based review identifies latent topics within the CE and ET academic literature, tackling the challenge of subjectivity found in traditional reviews. Using Latent Dirichlet Allocation (LDA), six topics are identified. Each topic sheds light on how crucial elements – such as economic and social sustainability, technological innovation, material management and electrification, waste management, local development, and regulatory policies – are interconnected with CE and ET. Together, these elements contribute to a more cohesive and effective transition. The study emphasizes the need for coordinated strategies and targeted policies to ensure that CE and ET not only coexist but also complement and strengthen each other. This holistic approach is vital for fostering a sustainable future that balances economic growth with environmental conservation.

Open Access: Yes

DOI: 10.1016/j.resconrec.2025.108318

Software-in-the-loop simulation of the forerunner UAV system

Antal Hiba Ádám Kisari Mihály Nagy Istvan Drotar Erno Simonyi Péter Bauer Gergely Istvan Kuna

Publication Name: IFAC Papersonline

Publication Date: 2022-07-01

Volume: 55

Issue: 14

Page Range: 139-144

Description:

The forerunner UAV means a camera equipped drone flying in front of the advancing first responder units to increase driver situational awareness with an aerial view of the traffic situation and notification about imminent dangers. This article presents the software-in-the-loop (SIL) simulation of the concept including UNREAL4-Carla as the virtual reality environment with a firetruck driven through a game controller, the Matlab simulation of the DJI M600 forerunner hexacopter with UDP communication between firetruck and M600 and the real-time AI processing of synthetic images to detect ground vehicles and pedestrians. The target of SIL development is threefold. First, to test M600 autopilot and Al-based object detection in close to realistic conditions before the real flights. Second, to make an exhaustive feasibility study of the whole forerunner concept with several simulated situations. Third, to generate the required large amount of image data for AI object detection tuning. After introducing all parts of the SIL simulation the article presents an illustrative example evaluating the tracking of the ground vehicle with the M600 and the inference system results.

Open Access: Yes

DOI: 10.1016/j.ifacol.2022.07.596

How to Develop a Sustainable Innovation Ecosystem? Example of ZalaZONE

András Háry Leticia Pekk Virag Meszaros Csilla Toth

Publication Name: Chemical Engineering Transactions

Publication Date: 2024-01-01

Volume: 114

Issue: Unknown

Page Range: 883-888

Description:

The purpose of the paper is to analyse the typical research trends along the current challenges of the social, environmental and business aspects of sustainability and discuss the issues of geographically concentrated, park-like innovation ecosystems. At ZalaZONE Park as a consciously built innovation ecosystem, sustainability aspects are organically integrated into its development and into the operation approach, giving the empiric case for the research question. The ZalaZONE Energy Ecosystem Program connects the subject of sustainability with the innovation ecosystem on system level through innovative technologies and future-oriented environmental initiatives in various energy projects. In connection with this, it is also investigated is how new technologies support and ensure the long-term sustainability of the innovation ecosystem, and how the features of this relationship can be interpreted. Since ZalaZONE Park shows the characteristics of complex systems, the overall framework of the analysis is provided by the ecosystem model previously developed by the authors and further developed in the present analysis. Such a model contributes to each development step of the innovation ecosystem for sake of balanced and sustainability-oriented growth. Finally, an aggregated system model was presented including aspects of sustainability, with particular regard to the characteristics of complex systems.

Open Access: Yes

DOI: 10.3303/CET24114148

Investigation of Modern Technologies for Reducing Carbon Dioxide Emissions in Railway Networks

Edina Koch Zoltán Major Cecilia Szigeti Róbert Horváth

Publication Name: Acta Polytechnica Hungarica

Publication Date: 2026-01-01

Volume: 23

Issue: 1

Page Range: 163-179

Description:

The revenues for railway infrastructure managers, are proportional to the volume of passenger and freight traffic, on the railway lines, supplemented by other revenues and subsidies. To maximize their revenues in a changing economic environment (where there is a tendency for the state to withdraw from funding), it is important to have and operate an infrastructure with sufficient capacity. In the event of inadequate track conditions, they will not only face a loss of revenue from network charges, but also additional penalty costs. One of the key elements in achieving stable, good track conditions, is to ensure that the substructure conditions, are adequate. In practice, the use of large-scale mechanized formation rehabilitation is becoming increasingly common, ensuring a sufficiently fast job and consistent quality. Another advantage of this technology is that it allows 100% of the logistical tasks of renewal, to be carried out on the railway track and reduces the amount of new raw materials to be installed. In this article, we present the application possibilities of large-scale mechanized formation rehabilitation and highlight the savings, in newly installed raw materials. The new materials have a high installed CO2 emission, thus, significantly increasing the ecological footprint of infrastructure development. The study aims to develop the methodology for reducing the ecological footprint, for the improvement of the railway network.

Open Access: Yes

DOI: DOI not available

Position sensitivity study in molecular dynamics simulations of self-organized development of 3D nanostructures

Ibolya Zsoldos István László Dávid Fülep

Publication Name: Materials Science Forum

Publication Date: 2017-01-01

Volume: 885

Issue: Unknown

Page Range: 216-221

Description:

The sensitivity of defect free fusion of straight carbon nanotubes from graphene nanoribbons to the position of the nanoribbon edge positions has been investigated. A basic difference between the behavior of armchair and zigzag type nanoribbons was observed. When placing armchair type graphene nanoribbons above each other identical, fitting positions are obtained automatically. Zigzag type graphene nanoribbons, however, must not be placed above each other in identical positions. From the viewpoint of defect-free fusion, according to the MD simulations symmetric on nearly symmetric positions of the ribbon edges are favorable.

Open Access: Yes

DOI: 10.4028/www.scientific.net/MSF.885.216

Supply Chain Decisions in Governmental Organizations

Gyu M. Lee Gyula Vastag Geraldo Ferrer

Publication Name: Decision Sciences

Publication Date: 2016-12-01

Volume: 47

Issue: 6

Page Range: 995-997

Description:

No description provided

Open Access: Yes

DOI: 10.1111/deci.12263

Evaluating the Reliability of Hinge Definitions in Pushover Analyses: A Comparative Study of SAP2000, AxisVM

O. Kegyes-Brassai Kevin Karanja Kuria

Publication Name: Advances in Transdisciplinary Engineering

Publication Date: 2024-01-01

Volume: 59

Issue: Unknown

Page Range: 291-297

Description:

This study evaluates the performance of SAP2000, and AxisVM in conducting pushover analyses, with a focus on the manual (user) definition of plastic hinges versus the automatic definitions provided by the software. Three structures, namely a single column subjected to a point load, a 2D reinforced concrete (RC) frame model, and a 3D RC model, are considered. It explores the performance of the three models in different conditions, including, application of the different software, the use of user defined (manual) hinges, and automatically generated hinges to assess their response to various analytical excitations. The need for engineers to focus on understanding the application of defining the hinge properties according to existing guidelines, including FEMA-356, ASCE 41-13/17, and Eurocodes, is highly emphasized, in addition to the existing methods as found in the literature. This is achieved by considering and comparing the capacity curves generated by the software. The results vary in some instances, especially when comparing results from user-defined and automatic hinges. It is also found that when used with precision, the results are almost similar, it is also important to use software that allows ultimate precision for better results.

Open Access: Yes

DOI: 10.3233/ATDE240558