The rise of financial technology (fintech) driven business models in banking poses a challenge for financial regulators. While the positive effects on the banking sector in terms of greater diversity and competition are generally recognized and encouraged by regulators, the nature of fintech business models may increase the risk of financial instability. Regulators are exploring ways to resolve this dilemma. The paper in hand makes a contribution to the literature by providing a framework for resolving the dilemma that is evaluated in the context of the regulatory response to the rise of fintech credit in the Netherlands. The semi-structured interviews which we conducted with four senior Dutch regulators resulted in three areas that–from their perspective–required urgent action: fintech credit companies need to lower the risk of overlending, increase pricing transparency, and improve lending standards. These findings were confirmed by the results of they survey among fintech credit clients. The current regulatory response to the rise of fintech in banking in the Netherlands provides an interesting case study that delineates the features of the future regulation of fintech in banking.
Hyperloop scale-up Hardt and Amsterdam University of Applied Sciences explored how hyperloop cargo solutions (Cargoloop) can help sustainably and efficiently meet surging demand for e-commerce shipments. A new vision paper titled ‘Hyperloop for E-commerce – Sustainable, on-demand and high-speed e-commerce fulfillment enabled by Cargoloop’ was published, as a result of joined concept development and E-commerce industry consultation.It concludes that hyperloop technology has “game-changing” potential as governments, retailers, and thought leaders seek sustainable freight solutions.
In the literature about web survey methodology, significant e orts have been made to understand the role of time-invariant factors (e.g. gender, education and marital status) in (non-)response mechanisms. Time-invariant factors alone, however, cannot account for most variations in (non-)responses, especially fluctuations of response rates over time. This observation inspires us to investigate the counterpart of time-invariant factors, namely time-varying factors and the potential role they play in web survey (non-)response. Specifically, we study the effects of time, weather and societal trends (derived from Google Trends data) on the daily (non-)response patterns of the 2016 and 2017 Dutch Health Surveys. Using discrete-time survival analysis, we find, among others, that weekends, holidays, pleasant weather, disease outbreaks and terrorism salience are associated with fewer responses. Furthermore, we show that using these variables alone achieves satisfactory prediction accuracy of both daily and cumulative response rates when the trained model is applied to future unseen data. This approach has the further benefit of requiring only non-personal contextual information and thus involving no privacy issues. We discuss the implications of the study for survey research and data collection.
Dit project heeft tot doel het ontwerp en de exploitatie van lokale energiesystemen te verbeteren voor buurten met een hoge zelfvoorziening en een hoge betrokkenheid van alle betrokken belanghebbenden. In dit project wordt een integrale aanpak toegepast door zowel technische als sociale aspecten mee te nemen.
The growing energy demand and environmental impact of traditional sources highlight the need for sustainable solutions. Hydrogen produced through water electrolysis, is a flexible and clean energy carrier capable of addressing large-electricity storage needs of the renewable but intermittent energy sources. Among various technologies, Proton Exchange Membrane Water Electrolysis (PEMWE) stands out for its efficiency and rapid response, making it ideal for grid stabilization. In its core, PEMWEs are composed of membrane electrode assemblies (MEA), which consist of a proton-conducting membrane sandwiched between two catalyst-coated electrodes, forming a single PEMWE cell unit. Despite the high efficiency and low emissions, a principal drawback of PEMWE is the capital cost due to high loading of precious metal catalysts and protective coatings. Traditional MEA catalyst coating methods are complex, inefficient, and costly to scale. To circumvent these challenges, VSParticle developed a technology for nanoparticle film production using spark ablation, which generates nanoparticles through high-voltage discharges between electrodes followed by an impaction printing module. However, the absence of liquids poses challenges, such as integrating polymeric solutions (e.g., Nafion®) for uniform, thicker catalyst coatings. Electrohydrodynamic atomization (EHDA) stands out as a promising technique thanks to its strong electric fields used to generate micro- and nanometric droplets with a narrow size distribution. Co-axial EHDA, a variation of this technique, utilizes two concentric needles to spray different fluids simultaneously.The ESPRESSO-NANO project combines co-axial EHDA with spark ablation to improve catalyst uniformity and performance at the nanometer scale by integrating electrosprayed ionomer nanoparticles with dry metal nanoparticles, ensuring better distribution of the catalyst within the nanoporous layer. This novel approach streamlines numerous steps in traditional synthesis and electrocatalyst film production which will address material waste and energy consumption, while simultaneously improve the electrochemical efficiency of PEMWEs, offering a sustainable solution to the global energy crisis.
This project aims to enhance museum experiences through value-driven design of a personalized, interactive AI-powered guide providing tailored information in real-time. Museums often rely on human guides for detailed content, but these services are typically limited to group tours. Audio guides are the common alternative for individual visitors, but they deliver standardized content that doesn't adapt to personal interests, creating a gap in the visitor experience. Additionally, creating content for traditional audio guides is expensive for museums to develop and maintain. Research shows that museum visitors increasingly desire more control over how they interact with exhibits, preferring information that aligns with their personal interests rather than generalized content. Simultaneously, museums are eager to meet this demand by offering more personalized engagement, making visitor experiences more relevant and impactful. In collaboration with Stedelijk Museum Breda and Brabant Cloud, creative professionals will co-design an app that acts as a personal digital guide, adapting its responses to each visitor's preferences. The app will use the museum's existing digital collection infrastructure to deliver customized interaction better connected to visitors' needs, interests, and linguistic abilities. The design approach emphasizes inclusivity and non-discrimination, ensuring accessible experiences for diverse audiences while aligning with the museum's educational objectives. We will test the app at Stedelijk Museum Breda, gathering feedback from three visitor groups and comparing experiences between (1) those using the AI-powered app, (2) those not using the app, and (3) those with a human guide. We anticipate that this creative industries solution will facilitate more engaging and customized experiences while providing a scalable model that could benefit other cultural institutions through Brabant Cloud's regional network.
