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The application of machine learning technologies for cancer detection purposes are rising due to their ever-increasing accuracy. Melanoma is one of the most common types of skin cancer. Detection of melanoma in the early stages can significantly prevent illness and fetal death. The application of innovative machine learning technology is highly relevant and valuable due to medical practitioners' difficulty in early-stage diagnoses. This paper provides an open-source tutorial on the performance of an algorithm that helps to diagnose melanoma by extracting features from dermatoscopic images and their classification. First, we used a Dull-Razor preprocessing method to remove extra details such as hair. Next, histogram adjustments and lighting thresholds were used to increase the contrast and select lesion boundaries. After using a threshold, a binary-classified version of image was obtained, and the boundary of the lesion was determined. As a result, the features from skin tissue were extracted. Finally, a comparative study was conducted between three methods which are Artificial Neural Network (ANN), Support Vector Machine (SVM) and K-Nearest Neighbor (KNN). The results show that ANN could achieve better accuracy (83.5%). In order to mitigate the biases in existing studies, the source code of this research is available at hadi-naghavipour.com/ml to serve aspiring researchers for improvement, correction and learning and provide a guideline for technology manager practitioners.

The article is devoted to the digitalization of biocluster management on the basis of a balanced scorecard. It is proved that a biocluster, as a local model of business concentration that integrates environmentally oriented enterprises, through a combination of traditional and new technologies, resource saving and diversification of the range of environmental products, is able to satisfy various customer requests in one place and time, to ensure competitive advantages and integration into the world economic space. The concept of applying a balanced scorecard in the strategic biocluster management was formed. The technology of formation and mechanism of implementation of the balanced scorecard and digital data processing technologies into the management information system of strategic biocluster management was proposed. The digital outline of the strategic program for transferring the mission and strategy of the biocluster to the mode of effective use, capacity building and development was formed. The scorecard for strategic management of the biocluster was developed, the study of the dynamics of which allows to determine the strengths and weaknesses of the biocluster, to identify tolerance and resilience to changes in the business environment, to identify ways to achieve the set development goals.

The purpose of this study is to develop proposals and recommendations for the implementation of a process model for the development of leadership qualities of public servants and justification of the conditions for ensuring its effectiveness in terms of digital transformation. The relevance of this study is due to the need to ensure development of the process of professionalization of the senior civil service personnel on the basis of development of leadership qualities that will contribute to the effective operation of the civil service of Ukraine, change management and successful implementation of reforms in Ukraine, taking into account the best world practices. The methodology for assessing the level of managerial competencies of public servants according to the degree of implementation of strategic (key) competencies has been developed. The assessment of managerial competencies according to the degree of their significance for civil servants, the expert group identified the most important management competencies. An approach to understanding has proposed interaction of leadership competencies with managerial competencies, a diagnostic model for assessing the leadership of public servants has been developed. To implement the model, a system of indicators has been developed - single, complex and integrated indicators of civil servants' leadership, using tools: a tree of civil servants' leadership indicators, matrices for the calculated civil servants' leadership indicator, measurement scales for the corresponding level of indicators.

The purpose of this study is to study the indicators for evaluating the effectiveness of the implementation of investment processes on the securities market, taking into account the scientific foundations of information management systems and analysis of indicators of financial efficiency of the investment function of the securities market in Ukraine. The relevance of this study is due to the growing importance of management information systems in all sectors of the Ukrainian economy, in particular, the provision of solutions to the problems of activating investment processes in the securities market of Ukraine by analyzing and reassessing the effectiveness of investment processes at this level, taking into account the scientific basis of management information systems.  A set of indicators that best reflect the implementation of the investment function of the Ukrainian securities market is proposed. A matrix of characteristics of investment processes in the securities market is proposed. It is argued why domestic and foreign investors prefer local securities market indices when making investment decisions. Through the implementation of correlation-regression models, it has been proven that, on average, 87% of changes in investments in securities are due to changes in the number of licensed entities, which on the Chedoch scale indicates a close relationship between the indicators. The results obtained using statistical inference methods indicate a high impact of both external macroeconomic factors that inhibit the development of the securities market and internal, which in turn is reflected in the indicators of assessing the effectiveness of investment processes in the securities market.

Pandemic has brought all together a new environment of working and compelled all the off line educational institutions to become online educational platforms and strengthen their online resources. We need to understand online platforms as universities, institutes, schools, colleges or any educational institute which are working online and providing degrees, certificates, diplomas for several courses and programs. In different researches related to online education and Covid -19, investigations addressed student’s perspective or teachers perspective. Literature review has showed the gap in exploring the turnaround strategies inspired by the parent’s perspective for online education especially with respect to young children (Age group 8 to 12 years). Apart from literature review and analysis of secondary data from websites and search engines, qualitative research was undertaken to know about parent’s views in general about the online platforms and particularly about WHJ (White Hat Junior). The focused group discussion and the indepth interviews revealed very useful information with regard to Online educational platforms and especially WHJ in relation to Covid -19 times. Findings relate to awareness, acceptability, perception change, costs, safety issues, etc. It has brought out elaborately in this case based research, how parents expectation may impact the turnaround strategies of their wards’ online educational platforms. In different researches related to online education and Covid -19, investigations addressed student’s perspective or teacher’s perspective.

The realm of human-computer interaction delves deep into understanding how individuals acquire knowledge and integrate technology into their everyday lives. Among the various methods for measuring brain signals, electroencephalography (EEG) stands out for its non-invasive, portable, affordable, and highly time-sensitive capabilities. Some researchers have revealed a consistent correlation between meditation practices and changes in the EEG frequency range, observed across a wide array of meditation techniques. Furthermore, the availability of EEG datasets has facilitated research in this field. This study explores the effectiveness of the One-Dimensional Convolutional Neural Network (CNN-1D) based novel classification method, which impressively achieved an 62% training accuracy, showcasing the robustness of these models in meditation classification tasks. The proposed methodology unveiling a novel method to differentiate neural oscillations in 4 types of meditators and control. This approach analyzes an EEG dataset of highly experienced meditators practicing Vipassana (VIP), Isha Shoonya (SYN), Himalayan Yoga (HYT), and untrained control subjects (CTR) by employing chi-square, CNN, hyperparameter models for data analysis, The outcomes indicate that different meditation types exhibit distinct cognitive features, enabling effective differentiation and classification.

Diabetes is a type of metabolic disorder with a high level of blood glucose. Due to the high blood sugar, the risk of heart-related diseases like heart attack and stroke got increased. The number of diabetic patients worldwide has increased significantly, and it is considered to be a major life-threatening disease worldwide. The diabetic disease cannot be cured but it can be controlled and managed by timely detection. Artificial Intelligence (AI) with Machine Learning (ML) empowers automatic early diabetes detection which is found to be much better than a manual method of diagnosis. At present, there are many research papers available on diabetes detection using ML techniques. This article aims to outline most of the literature related to ML techniques applied for diabetes prediction and summarize the related challenges. It also talks about the conclusions of the existing model and the benefits of the AI model. After a thorough screening method, 74 articles from the Scopus and Web of Science databases are selected for this study. This review article presents a clear outlook of diabetes detection which helps the researchers work in the area of automated diabetes prediction.

With the development of a new stage of the industrial revolution, the importance of digitalization of business development tools is growing. The purpose of this article is to study the applied aspects of digital marketing tools usage for business development in the B2C market. To achieve the purpose and objectives of the study general and special methods are used: comparative analysis of the results of economic and statistical surveys; method of expert assessments by questionnaires using a 5-point Likert scale. The concordance coefficient was used to determine the consistency of the experts' opinions taking into account the related ranks in method of expert assessments. According to the results of the research, it is established that the Ukrainian business of the B2C sector was actively mastering digital marketing tools. The analysis of penetration level of digital technologies in the development of trade business showed the emergence of basic conditions for updating marketing tools to influence the B2C market. There is a rapid coverage rate of multi-purpose use of the Internet among consumers and businesses; gradual growth of digital skills among practitioners; positive dynamics of development of interactive services in the trade sphere. However, the level of use of the retail businesses websites remains low in many spheres of customer service. An important trend of the current development stage of the consumer market is the usage of business Internet platforms designed for mass dissemination of information. Effective marketing channels of interaction with consumers include social media (social networks, blogs or microblogs, websites with multimedia content, knowledge sharing tools), websites, e-shops, and sales via mobile devices. According to the results of expert evaluation, foreground digital technologies, which are able to bring business to a qualitatively new level of interaction with consumers and the provision of trade services have been identified. These are artificial intelligence and cognitive technologies, BigData, Internet of Things (IoT), and cloud computing. The structural and logical scheme of research of digital marketing tools is used for business development which includes two stages is offered. In the first stage, trendwatching, benchmarking and evaluation of internal opportunities for the use of digital marketing tools are performed. In the second stage, three components of digital readiness of business are defined: technological; competence; institutional. The obtained results form the basis of further research to determine the priorities of adaptive digital business behavior for the productive use of existing digital opportunities.

The article presents the results of the analysis of the indicators of the level of the shadow economy in Ukraine in the period from 2010 to 2020. The level of shadow economy calculated on the basis of such methods as: unprofitable enterprises, monetary, population expenditures - retail trade - services and electricity was used for the analysis. The causes and consequences of shadow economic activity in Ukraine are given. The study found that the downward trend in the shadow economy persists despite the spread of the negative effects of the COVID - 19 pandemic and declining real GDP. In particular, three of the four methods used to assess the level of the shadow economy recorded a decrease in the level of the shadow economy (the method of "population expenditure - retail trade and services"; the electric method; the monetary method). At the same time, the method of enterprise losses showed an increase in the shadow economy, which is largely due to a significant deterioration in the financial situation of enterprises under the restrictions imposed to prevent the rapid spread of the coronavirus pandemic in the world and Ukraine, as well as logistical problems. The practical value of the results is determined by the fact that the conclusions and proposals can be used to more accurately and objectively calculate the level of the shadow economy, which in turn can be the basis for effective decisions to de-shadow and legalize Ukraine's economy.

The purpose of the article is to perform stress-testing technologies of the financial stability of an insurance company based on the constructed mathematical model of the insurance company's activity, which would meet the established requirements (adequate reproduction of the main parameters of the insurance company's functioning; taking into account the stochastic nature of insurance processes; flexible management of model parameters describing company's behaviour; the ability to influence the intensity of flows; suitability for algorithmization and construction of computational simulation model. The relevance of this study is due to the need to address the problem of changes and complications, the growing variety of strategies and products implemented by insurance companies. There is a need for innovative methods to assess and monitor the vulnerability of these institutions to various types of risks. One of these methods, which is gaining widespread recognition both among regulators and financial corporations, is stress testing. It has been established that stress testing as a risk management tool is used both to assess the insurance company's readiness for a crisis situation, and to develop a plan of adequate measures to counteract and eliminate its negative impact. The development and application of the proposed mathematical and simulation model of stress testing of the financial stability of the insurance company allows to solve issues of ensuring sufficiency of capital level, control of financial stability and solvency, reliability of efficiency of activities, taking into account the probabilistic nature of insurance activities, various typical insurance risks and time horizons.

Human Identification has been widely implemented to enhance the efficiency of surveillance systems, however, systems based on common CCTV (closed-circuit television) cameras are mostly incompatible with the advanced identification algorithms which aim to extract the facial features or speech of an individual for identification. Gait (i.e., an individual’s unique walking pattern/style) is a leading exponent when compared to first-generation biometric modalities as it is unobtrusive (i.e., it requires no contact with the individual), hence proving gait to be an optimal solution to human identification at a distance. This paper proposes an automatic identification system that analyzes gait to identify humans at a distance and predicts the strength of the match (i.e., probability of the match being positive) between two gait profiles. This is achieved by incorporating computer vision, digital image processing, vectorization, artificial intelligence, and multi-threading. The proposed model extracts gait profiles (from low-resolution camera feeds) by breaking down the complete gait cycle into four quarter-cycles using the variations in the width of the region-of-interest and then saves the gait profile in the form of four distinct projections (i.e., vectors) of length 20 units each, thus, summing up to 80 features for each individual’s gait profile. The focus of this study revolved around the speed-accuracy tradeoff of the proposed model where, with a limited dataset and training, the model runs at a speed of 30Hz and yields 85% accurate results on average. A Receiver Operating Characteristic Curve (ROC) is obtained for comparison of the proposed model with other machine learning models to better understand the efficiency of the system

The main drivers of value creation in a ‘brand community’ are social networking, community engagement, impression management, and brand use. Marketers are therefore interested in determining which factors affect the value creation practices. This study examines the impact of the Interactivity of Electronic Word of Mouth (EWOM) systems on value creation practices in a brand community, which in turn influences the loyalty of the customers. In this regard, a conceptual model was developed and tested by the researchers of the current study. The results indicate that perceptions of the users regarding the interactivity of EWOM systems, highly impact only three of the four value creation practices including community engagement practices, impression management practices, and brand use practices. Furthermore, the researchers found that collective value creation practices could significantly and directly enhance brand loyalty. Several theoretical contributions and managerial implications were also discussed

Electronic word of mouth (eWOM) has been gaining popularity pertaining to its numerous benefits and ability to be applied in various fields. It helps consumers in making informed decisions and aids service providers in delivering an enhanced service or product. Despite all these benefits, dealing with the huge amounts of eWOM is a consistent problem. eWOM helpfulness comes handy in order to address this issue. In this study, we utilize 16699 hotels related eWOM written by 1099 reviewers which are collected from TripAdvisor.com. Our main objective is to analyze which factors impact eWOM helpfulness and how. For this purpose, eight unique variables belonging to three different categories are selected (eWOM length, eWOM subjectivity, eWOM polarity, eWOM readability, eWOM recency, hotel rating, reviewer badge and reviewer helpfulness) and are analyzed using econometric modelling. Our findings show that hotel rating as well as reviewer badge and helpfulness enjoy a positive significant relationship with eWOM helpfulness. It also suggests that eWOM length, readability and subjectivity positively influences eWOM helpfulness though eWOM polarity and recency are found to have an inverse relationship with the helpfulness of eWOM. Thus, our study reports that review, hotel and reviewer characteristics impact eWOM helpfulness in different ways. This study is summarized with the discussion of theoretical and practical implications.

The rapid growth and advancement of electronic devices and technologies in the FinTech industry empower new innovative products and services. The covid-19 pandemic could have a devastating effect on Malaysia’s economy, but it has offered additional opportunities for the E-wallet segment of the Fintech business to thrive. The E-wallet segment of FinTech is one of the latest innovations that is currently growing as there is a need for contactless payments during the pandemic situation. The main objective of the study is to examine the factors affecting e-wallet adoption among young adults in Malaysia. A sample of 200 responses was analyzed using Smart PLS 3.0. The findings revealed that the factors of “performance expectancy”, “effort expectancy”, “compatibility”, and “social influence” have a positive and significant impact during the pandemic; however, the factor of “facilitating conditions” has no significant impact on the adoption of the E-wallets. The study substantiates the key and important variables of adoption in order to develop and evolve E-wallet providers' existing services. Particularly, due to the increasing importance of e-commerce, E-wallet service providers are urged to focus on the system's interoperability, which encourages individuals or customers to use the strategy.  They should include unique features that allow customers to accept the service, trust its benefits and feel comfortable using the technology. The study is useful to the E-wallet providers to improve the existing services. The findings also guide the companies offering E-wallets to enhance the usage and adoption of their services.

The purpose of the article is to substantiate the fiscal role of the excise tax by studying its information and functional potential and to model the dynamics of its payment by the brewing industry. Excise tax occupies a special place in a tax system of each state because, in addition to significant fiscal importance, it has a considerable regulatory impact on the production and consumption of certain categories of goods. Based on information systems in the article analyses and monitors the indicators of the excise tax payments on goods produced in Ukraine on the example of a particular enterprise in the brewing industry. By means of the initial data analysis of autocorrelation functions of volumes’ indicators of the accrued excise taxes on beer the expediency of modelling realization of such indicator dynamics on the basis of ARIMA model is proved. The analytical and statistical approaches to the formation of models for the implementation of forecast for the calculation of excise tax on beer of brewing industry enterprises are improved. The proposed approach is based on the values of autocorrelation of balances and partial autocorrelation, as well as methods of analysis of time series with gaps, which allows to use it in the economic activity of enterprises to make forecasts for the calculation and payment of the excise tax. This will produce financial effects for the brewing industry in terms of cost optimization and minimization of the excise tax risks.

The worldwide Covid-19 epidemic while affecting numerous places, has had a profound effect on virtual advertising and advertising and, globally, in the provinces and at the neighborhood level. except, this effect for the most element become positive, in contrast to what has seen in exclusive sectors which include economy, human sources, etc., whilst contamination reasons a variety of incapacity amongst clients and advertisers alike, in phrases of welfare, social work, inflation, business, and many others., the equal shifted conduct goes as a long way as running. , investing strength, getting into self-schooling, adopting new programs from the internet, expanding social and hygiene concerns, retaining distance strategies from complete regions, internet-based media willpower, get right of entry to online sources, etc., and this has greatly impacted the display and endorsed efforts. The moral movement has moved past the PC and digital international, which places open doors for advertisers and products to connect with clients more efficiently than ever before. With the arrival of expanded online media and the call for pc-generated content material, the evolved Media have given advertisers a part of the monetary freedom. At the equal time, this has, in turn, enabling advertisers to be extra proactive and to engage with the public at the same time as appearing excessive excellent demonstration programs. The purpose of this study is to explore, investigate, and recognize the effect of coronavirus on the digital market and businesses.