Uit verschillende onderzoeken blijkt dat jongeren regelmatig schulden of betalingsachterstanden hebben. In hoeverre heeft financiële opvoeding invloed op hun financiële gedrag? Voor de gemeente Rotterdam is het aanpakken van schulden en het voorkomen van betalingsproblemen bij jongeren een belangrijk speerpunt. Daarom vroeg de gemeente de onderzoekers van Dynamiek van de Stad om hier onderzoek naar te doen, onder én door studenten. De bevindingen uit het onderzoek bieden goede aanknopingspunten voor beleid, de gemeente neemt de aanbevelingen dan ook graag over.
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Doelstellingen De mate van betrokkenheid van jonge gebruikers bij wervingsadvertenties voor geldezels op Instagram onderzoeken. Methoden Drie advertenties die de belangrijkste mechanismen voor betrokkenheid bij cybercriminaliteit weerspiegelen en gericht waren op Nederlandse gebruikersclusters werden op twee Instagram-plaatsingen geplaatst. Door middel van dit quasi-experimentele 3 × 2 factorial design konden we het bereik en de weergaven van de advertenties, de doorklikratio's, het geslacht van de deelnemers en de temporele verdelingen van de gebruikersbetrokkenheid analyseren. Resultaten De analyse toont aan dat tot 3% van de jonge gebruikers zich bezighield met de advertenties, vooral met advertenties die een luxe levensstijl promoten en neutralisatietechnieken gebruiken. Mannen waren vaker betrokken en 's nachts werd er meer geklikt. Conclusies Sommige jonge Instagram-gebruikers lijken geneigd om geld te verdienen via hun bankpas en lopen het risico om online betrokken te raken bij cybercriminaliteit. We moedigen toekomstig onderzoek aan om het gebruik van sociale media in criminologische studies verder te onderzoeken. ENGLISH Objectives Examine the level of engagement of young users with money mule recruitment ads on Instagram. Methods Three ads reflecting key cybercrime involvement mechanisms and targeting Dutch user clusters were run on two Instagram placements. By means of this quasi-experimental 3 × 2 factorial design, we were able to analyze the reach and views of the ads, click-through rates, gender of the participants, and temporal distributions of user engagement. Results Mimicking actual recruitment environments, analysis shows that up to 3% of young users engaged with the ads, especially those promoting a luxury lifestyle and using neutralization techniques. Men were more likely to engage, and click-through rates were higher at night. Conclusions Some young Instagram users seem prone to making money through their bank cards and risk becoming involved in cybercrime online. We encourage future research to explore further the use of social media in criminological studies. This is a post-peer-review, pre-copyedit version of an article published in Journal of Experimental Criminology. The final authenticated version is available online at: https://link.springer.com/article/10.1007/s11292-022-09537-7
Rapport Effectieve Schuldpreventie voor Jongeren. Onderzoek laat zien dat veel jongeren moeite hebben om goed met geld om te gaan. De stichting Weet Wat Je Besteedt (WWJB) heeft daarom drie interventies ontwikkeld gericht op het voorkomen van schulden: Bright about Money (voor havo/vwo leerlingen), Moneymatters (voor vmbo leerlingen) en het Financieel studieplan (voor studenten van het mbo, hbo en wo). Regioplan en het lectoraal Schulden en Incasso van de hogeschool Utrecht hebben impactonderzoek gedaan naar deze interventies. De resultaten laten een beperkte impact zien van Bright about Money en Moneymatters, maar een positieve impact van het Financieel Studieplan wat betreft het vermogen van jongeren om hun inkomen zodanig te besteden dat de financiën in balans zijn
Recycling of plastics plays an important role to reach a climate neutral industry. To come to a sustainable circular use of materials, it is important that recycled plastics can be used for comparable (or ugraded) applications as their original use. QuinLyte innovated a material that can reach this goal. SmartAgain® is a material that is obtained by recycling of high-barrier multilayer films and which maintains its properties after mechanical recycling. It opens the door for many applications, of which the production of a scoliosis brace is a typical example from the medical field. Scoliosis is a sideways curvature of the spine and wearing an orthopedic brace is the common non-invasive treatment to reduce the likelihood of spinal fusion surgery later. The traditional way to make such brace is inaccurate, messy, time- and money-consuming. Because of its nearly unlimited design freedom, 3D FDM-printing is regarded as the ultimate sustainable technique for producing such brace. From a materials point of view, SmartAgain® has the good fit with the mechanical property requirements of scoliosis braces. However, its fast crystallization rate often plays against the FDM-printing process, for example can cause poor layer-layer adhesion. Only when this problem is solved, a reliable brace which is strong, tough, and light weight could be printed via FDM-printing. Zuyd University of Applied Science has, in close collaboration with Maastricht University, built thorough knowledge on tuning crystallization kinetics with the temperature development during printing, resulting in printed products with improved layer-layer adhesion. Because of this knowledge and experience on developing materials for 3D printing, QuinLyte contacted Zuyd to develop a strategy for printing a wearable scoliosis brace of SmartAgain®. In the future a range of other tailor-made products can be envisioned. Thus, the project is in line with the GoChem-themes: raw materials from recycling, 3D printing and upcycling.
CRYPTOPOLIS is a project supported by EU which focuses on the financial management knowledge of teachers and the emerging field of risk management and risk analysis of cryptocurrencies. Cryptocurrency has shown to be a vital and rapidly growing component in today’s digital economy therefore there is a need to include not just financial but also crypto literacy into the schools. Beside multiple investors and traders the market is attracting an increasing number of young individuals, viewing it as an easy way to make money. A large pool of teenagers and young adults want to hop on this train, but a lack of cryptocurrency literacy, as well as financial literacy in general amongst youth, together with their inexperience with investing makes them even more vulnerable to an already high-risk investment.Therefore, we aim to increase the capacity and readiness of secondary schools and higher educational institutions to manage an effective shift towards digital education in the field of crypto and financial literacy. The project will develop the purposeful use of digital technologies in financial and crypto education for teaching, learning, assessment and engagement.
One of the major challenges for microsystem-based (MEMS -based) devices producing companies in general, and Bronkhorst High-Tech in particular, is to determine as early as possible in the production process which devices perform within specifications and if so by how much. Being able to separate the devices that do not comply as early as possible in the assembly flow would prevent spending time, money and materials on unsellable products. Being able to further separate good devices in multiple “performance bins” would bring even more cost and waste reduction by enabling Bronkhorst to pre-select finished products for different customer requirements. In this project we specifically focus on a micromachined flow sensor which is considered for a scale-up in production volumes in the near future. The ability to separate out badly performing devices translates to the challenge of finding a suitable test method, yielding the following research question: what are the success factors that would allow our MEMS partners to correlate product performance with measurements (tests) performed early in the production cycle? An answer makes it possible to implement the planned production scale-up of this MEMS device but also to reduce costs and waste typically associated with production failures. The device selected in this project is taken as an example for a broad range of chip-based MEMS devices with similar challenges. Therefore, we plan to use an applied research approach, looking at theoretical models of both device and production process, performing correlation measurements and delivering our recommendations on how to best tackle these production issues. It is our intention to thus generate expertise (knowledge & data) as well as a network on which we build a consortium around a future PPS (public-private partnership) where these challenges form a common theme.
