The default risk, one of the main risk factors for bonds, should be measured and reflected in the bond yield. Particularly, in the case of financial companies that treat bonds as a major product, failure to properly identify and filter customers' workout status adversely affects returns. This study proposes a two-stage classification algorithm for…

We have maintained the customer grade system that is being implemented to customers with excellent performance through customer segmentation for years. Currently, financial institutions that operate the customer grade system provide similar services based on the score calculation criteria, but the score calculation criteria vary from the financial…

The adoption of large language models (LLMs) in education holds much promise. However, like many technological innovations before them, adoption and access can often be inequitable from the outset, creating more divides than they bridge. In this paper, we explore the magnitude of the country and language divide in the leading open-source and…

Computational thinking (CT) is a fundamental ability for learners in today's society. Although CT assessments and interventions have been studied widely, little is known about CT predictions. This study predicted students' CT achievement in the ICILS 2018 using five machine learning models. These models were trained on the data from five European…

We consider the problem of assessing the changing performance levels of individual students as they go through online courses. This student performance modeling problem is a critical step for building adaptive online teaching systems. Specifically, we conduct a study of how to utilize various types and large amounts of log data from earlier…

Among various methods to improve educational conditions, efforts are being made to reduce the number of students per teacher. However, for policy decisions it is necessary to reflect multiple factors such as changes in the number of students over time and local requirements. Time-series analysis-based statistical models have been used as a method…

This article revisits the Mincer earnings function and presents comparable estimates of the average monetary returns associated with an additional year of education across different regions worldwide. In contrast to the traditional Ordinary Least Squares (OLS) method commonly employed in the literature, this study applied a cutting-edge approach…

Considering noticeable improvements in the accuracy of Google Translate recently, the aim of this study was to examine second language (L2) learners' ability to use post-editing (PE) strategies when applying AI tools such as the neural machine translator (MT) to solve their lexical and grammatical problems during L2 writing. This study examined 57…

The use of learner modelling approaches is critical for providing adaptive support in educational computer games, with predictive learner modelling being among the key approaches. While adaptive supports have been shown to improve the effectiveness of educational games, improperly customized support can have negative effects on learning outcomes.…

The IADIS CELDA 2012 Conference intention was to address the main issues concerned with evolving learning processes and supporting pedagogies and applications in the digital age. There had been advances in both cognitive psychology and computing that have affected the educational arena. The convergence of these two disciplines is increasing at a…