In this paper, we propose a Two-Stream Bidirectional Long Short-Term Memory (TS-BLSTM) for the task of mitosis event detection and stage localization in time-lapse phase contrast microscopy image sequences. Our method consists of two steps. First, we extract candidate mitosis image sequences. Then, we solve the problem of mitosis event detection and stage localization jointly by the proposed TS...

This article seeks to gain insight into the influence of sample bias in a consumer credit scoring model. Considering the vital implications on revenues and costs concerned with the issuing and repayment of commercial credit, predictive performance of the model is crucial, and sample bias has been suggested to pose a sizeable threat to profitability due to its implications on either population d...

Access to credit markets is generally considered a hallmark of developed economies. In the United States, most households appear to have substantial ability to borrow; indeed, households in the United States have an average of over $23,000 in nonmortgage debt alone. Nevertheless, economists often point to limited borrowing opportunities for lower-income households to explain anomalous findings ...

This paper models the price and income elasticity of retail finance in Australia using aggregate quarterly data and an autoregressive distributed lag (ARDL) approach. We particularly focus on the impact of the global financial crisis (GFC) from 2007 onwards on retail finance demand and analyse four submarkets (period analysed in brackets): owneroccupied housing loans (Sep 1985–June 2010), term ...

In this paper, I develop a theoretical model to analyze the optimal choice between bank loans and bond finance for a sovereign debtor. The model describes a market that is subject to moral hazard and adverse selection. I model the choice between the two debt instruments allowing for debt renegotiation in the event of financial distress, with the possibility of default. The model incorporates pr...