A Comprehensive Review of Wind Turbine Modeling for Addressing Energy Challenges in Nigeria and South Africa in the 4IR Context

Babawarun, Tolulope; Ewim, Daniel Raphael Ejike; Scott, Temiloluwa O.; Neye-Akogo, Chukuneye

doi:10.18540/jcecvl9iss2pp15479-01e

Cited by 9 publications

(9 citation statements)

References 78 publications

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“…The evolution of credit scoring practices includes a significant expansion of data sources. Alternative data, encompassing non-financial information like rental payments, utility bills, and even social media behavior, became instrumental in painting a more comprehensive picture of an individual's financial habits (Babawurun et al, 2023). The integration of alternative data allowed for a more holistic risk assessment.…”

Section: Evolution Of Credit Scoring Practicesmentioning

confidence: 99%

AI in credit scoring: A comprehensive review of models and predictive analytics

Wilhelmina Afua Addy,

Adeola Olusola Ajayi-Nifise,

Binaebi Gloria Bello

et al. 2024

Global J. Eng. Technol. Adv.

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This review provides a succinct overview of the comprehensive review exploring the integration of Artificial Intelligence (AI) in credit scoring. The analysis delves into diverse AI models and predictive analytics shaping the contemporary landscape of credit assessment. The review begins by examining the historical context of credit scoring and progresses through the transformative impact of AI on traditional credit assessment methodologies. It scrutinizes various AI models employed in credit scoring, ranging from machine learning algorithms to advanced predictive analytics. Emphasis is placed on elucidating the strengths and limitations of each model, considering factors such as interpretability, accuracy, and scalability. The evolution of credit scoring is discussed, emphasizing the transition from rule-based systems to sophisticated AI-driven approaches. The integration of alternative data sources, such as social media and unconventional financial indicators, is explored, showcasing the expanding scope of AI in capturing a more holistic view of an individual's creditworthiness. The Review underscores the significance of predictive analytics in credit scoring, outlining the nuanced techniques used to forecast credit risk. It elucidates the role of explainable AI, addressing the need for transparency in complex credit scoring models, especially in the context of regulatory compliance and consumer trust. Furthermore, the review highlights the real-world implications of AI in credit scoring, discussing its impact on financial inclusion, risk management, and decision-making processes. The ethical considerations and potential biases associated with AI models are explored, shedding light on the importance of fairness and responsible AI practices in the credit industry. In conclusion, this comprehensive review navigates the intricate landscape of AI in credit scoring, offering a holistic understanding of the models and predictive analytics that underpin modern credit assessment. The synthesis of historical perspectives, model intricacies, and real-world implications makes this review an essential resource for practitioners, researchers, and policymakers in the ever-evolving domain of AI-driven credit evaluation.

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Section: Evolution Of Credit Scoring Practicesmentioning

confidence: 99%

AI in credit scoring: A comprehensive review of models and predictive analytics

Wilhelmina Afua Addy,

Adeola Olusola Ajayi-Nifise,

Binaebi Gloria Bello

et al. 2024

Global J. Eng. Technol. Adv.

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“…Therapists face the challenge of balancing the use of informal language, including slang, to connect with adolescents while maintaining professional boundaries. While informal language can foster rapport and authenticity, therapists must ensure that it does not compromise the therapeutic relationship or diminish the seriousness of the therapeutic process (Babawurun et al, 2023). To address this challenge, therapists can establish clear guidelines and boundaries around language use within therapy sessions.…”

Section: Ethical Considerations and Challengesmentioning

confidence: 99%

Engaging adolescents in family therapy: The role of English slang and digital communication norms in therapeutic settings

Mary Omoboye,

Nkechi Emmanuella Eneh

2024

World J. Adv. Res. Rev.

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Adolescence is a critical stage marked by rapid cognitive, emotional, and social development, often presenting challenges within familial relationships. Family therapy serves as a vital intervention to address these challenges, yet engaging adolescents in the therapeutic process can be complex. This review explores the significance of English slang and digital communication norms in facilitating rapport and effective communication between therapists and adolescents in family therapy settings. In contemporary society, English slang and digital communication have become integral aspects of adolescent culture. Adolescents frequently employ slang terms and digital platforms to express themselves, communicate with peers, and navigate their identities. However, these informal modes of communication may pose barriers in traditional therapeutic settings where formal language is often prioritized. Recognizing the importance of meeting adolescents on their own communicative terms, therapists are increasingly integrating slang and digital communication norms into family therapy sessions. By incorporating familiar language and mediums, therapists can create a more inclusive and relatable environment, fostering trust and engagement with adolescent clients. Moreover, the utilization of slang and digital communication norms in family therapy promotes authenticity and enhances the therapeutic alliance between adolescents and therapists. Adolescents feel understood and validated when therapists demonstrate an awareness and acceptance of their linguistic and technological preferences, leading to increased participation and investment in the therapeutic process. However, the integration of slang and digital communication in family therapy requires careful consideration and ethical awareness. Therapists must balance the use of informal language with maintaining professional boundaries and respect for cultural diversity. Additionally, therapists should remain mindful of the potential implications of digital communication, including privacy concerns and the blurring of therapeutic boundaries. Understanding and incorporating English slang and digital communication norms are essential for effectively engaging adolescents in family therapy. By embracing adolescents' preferred modes of expression, therapists can foster meaningful connections, facilitate communication, and promote positive therapeutic outcomes within the familial context.

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“…This involves conducting regular assessments of AI systems' ethical performance, soliciting feedback from stakeholders, and implementing improvements based on lessons learned. By continuously evaluating and improving ethical practices, developers demonstrate their commitment to ethical responsibility and contribute to the ongoing advancement of ethical AI development practices (Babawurun et al, 2023;Agbese et al, 2023).…”

Section: Application Of the Frameworkmentioning

confidence: 99%

Towards a conceptual framework for ethical AI development in IT systems

Oluwaseun Augustine Lottu,

Boma Sonimiteim Jacks,

Olakunle Abayomi Ajala

et al. 2024

World J. Adv. Res. Rev.

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The rapid advancement of artificial intelligence (AI) technologies has prompted significant societal, ethical, and legal concerns regarding their deployment in information technology (IT) systems. Addressing these concerns necessitates the establishment of a robust ethical framework to guide AI development and integration into IT systems. This paper presents a comprehensive conceptual framework aimed at fostering ethical AI development within IT systems. The proposed framework incorporates multidisciplinary perspectives, drawing upon principles from ethics, computer science, law, and philosophy. It emphasizes the integration of ethical considerations at every stage of the AI development lifecycle, including design, implementation, deployment, and maintenance. Central to this framework is the recognition of AI systems as socio-technical artifacts with profound impacts on individuals, communities, and societies at large. Key components of the framework include transparency, accountability, fairness, privacy, and security. Transparency entails ensuring that AI algorithms and decision-making processes are comprehensible and explainable to stakeholders, thereby fostering trust and enabling scrutiny. Accountability mechanisms are essential for attributing responsibility for AI-driven outcomes and facilitating recourse in cases of harm or injustice. Moreover, the framework emphasizes the importance of fairness in AI systems, advocating for the mitigation of biases and discrimination across diverse demographic groups. Privacy protection measures are deemed crucial to safeguarding individuals' personal data from unauthorized access or misuse, while robust security protocols are essential for defending against malicious exploitation and adversarial attacks. By delineating ethical guidelines and best practices, this conceptual framework aims to empower developers, policymakers, and organizations to navigate the complex ethical landscape of AI development in IT systems. Ultimately, the adoption of such a framework is imperative for harnessing the transformative potential of AI technologies while upholding fundamental ethical principles and societal values.

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A Comprehensive Review of Wind Turbine Modeling for Addressing Energy Challenges in Nigeria and South Africa in the 4IR Context

Cited by 9 publications

References 78 publications

AI in credit scoring: A comprehensive review of models and predictive analytics

AI in credit scoring: A comprehensive review of models and predictive analytics

Engaging adolescents in family therapy: The role of English slang and digital communication norms in therapeutic settings

Towards a conceptual framework for ethical AI development in IT systems

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