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Explainable credit risk modeling with hybrid tabular deep learning and adaptive feature routing

R. John Martin, Ahmad Khawaji, S. Sujatha

Well defined and transparent credit risk evaluation continues to be a fundamental issue in financial decision-making, particularly when dealing with intricate borrower profiles in the forms of organized tabular data. While traditional machine learning models often lack interpretability for predictive accuracy, recent deep learning approaches struggle to generalize across such data formats. We propose an innovative hybrid Tabular Deep Learning system that combines feature tokenizer transformer … more

Environmental innovation and green low-carbon transitions: The moderating role of green regulatory pressure

Tingqian Pu

Environmental innovation is widely recognized as a key driver of sustainability, reducing greenhouse gas emissions and enhancing resource efficiency. However, the mechanisms through which it contributes to green low-carbon transitions remain underexplored, particularly in the context of varying regulatory environments. This study examines the relationship between environmental innovation and green low-carbon transitions, focusing on the moderating role of green regulátory pressure. Using panel… more

Changing times, changing drives: Entrepreneurial motivation across generations

Dominik Salat, Jarmila Duhacek Sebestova

Entrepreneurs from generation to generation play a significant role in the business environment. Understanding this issue, especially by policymakers, is crucial for development. Misunderstanding or lack of interest often leads to inaction or incorrect decisions, creating barriers for current and potential entrepreneurs. Each generation evolves in its own era, and over time, each will fade and be replaced by a new, undefined generation. Policymakers would be interested in understanding these… more