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The method of using the eu digital identity wallet to speed up a customer onboarding process and money laundering prevention.
No full textMoney laundering is a global threat to financial stability. The rapid evolution of digital technologies and the virtual economy exacerbates these risks, creating new opportunities for criminal activity while making it more difficult to detectability. In view of the new regulatory environment of the European Union, together with the Digital Identity Wallet, which is dedicated to secure digital identity verification, a secure digital identity environment that can increase trust in accessing and providing services to both the public and private sectors. Aim of this case to assess the use of the European Union Digital Identity wallet for the prevention of money laundering, focusing on the processes of onboarding a new customer in financial institutions. This study aims to thoroughly examine the theoretical and practical foundation of anti-money laundering (AML) prevention, highlighting its significance, associated challenges, and the procedures involved in client identification. And finally, the analysis focus on the client onboarding process, comparing the currently remote onboarding with EU Digital Identity Wallet and what benefits it brings. Experimental study an in-depth analysis of the scientific literature and the updated eIDAS Regulation (No. 2024/1183) which legitimizes the European Digital Identity ecosystem, is conducted and compared with current client onboarding procedures. Through experimental research, this study aims to demonstrate that the EU Digital Identity Wallet can effectively optimize and accelerate the personal identity data entry process, ensuring anti-money laundering (AML) prevention from the earliest stages of integration into financial institutions. The main findings show that the use of Digital Identity Wallet significantly improves client’s identification by enabling the rapid, secure, efficient and fair sharing of personal data, and digital documents in one environment. Use of Digital Identity Wallet can improve and speed up financial transactions and reduce the risk of fraud and prevent money laundering. The European Union Digital Identity Wallet simplifies the identification of a person, completely abandons the need for manual work, provides security and privacy, and helps to more effectively identify individuals and their financial transactions, while at the same time ensuring anti-money laundering prevention
Assessment of opportunities for the reconciliation of work and family life in lithuania: the case of parental leave.
No full textThe aim of this study is to investigate whether the European Union Directive on work-life balance for parents and carers, which came into force at the beginning of 2023, has an impact on the ability of parents to reconcile their family and professional roles in Lithuania. To answer the research question, the study examines family policy documents, family models, family policy measures to support the reconciliation of family and professional roles, their implementation, and the challenges parents face in reconciling these responsibilities. The results of the quantitative research revealed that young people are facing conflict between family and work. This finding is also supported by the experts' statement that families face a number of challenges in balancing family and professional roles, such as lack of access to pre-school education, unfriendly perceptions of employers, lack of infrastructure etc. The aims of family policy and their implementation should respond to these challenges. Experts identify the following as the most important: representation of the family voice, assistance to young families, financial support and services for families, and strengthening the family institution. Experts agree that non-transferable period of parental leave are useful for families seeking to reconcile family and professional roles. Nevertheless, there are also weaknesses in the system, the most notable of which is the reduction in the period of parental leave without the use of non-transferable parental months. Experts suggest that, in order to improve family policy and create favorable conditions for reconciling family and professional roles, parental allowance should be increased, tax benefits for families should be applied, access to pre-school education should be improved, flexible forms of work should be expanded, and fathers should be encouraged to get involved in childcare by giving them an additional month of non-transferable period of parental leave after the first two months. The analysis also reveals that one of the biggest shortcomings of family policy in the eyes of the experts is the practical and continuous implementation of the policy
A decision support model for the inclusion of bitcoin cryptocurrency in a company’s accounts receivable.
No full textThis study analyses the integration of the Bitcoin cryptocurrency into accounting processes to determine its impact on accounts receivable financial ratios and to propose a decision support model. The analysis of the academic literature revealed that the integration of cryptocurrencies in accounting is already taking place, but faces challenges due to regulatory weaknesses and volatility. The lack of practical examples led to an empirical study analysing the impact of Bitcoin on indicators such as DSO, AR Turnover and Bad Debt Ratio.The study modelled different scenarios of Bitcoin cryptocurrency integration (5-30%). The results showed that 5-10% integration improved DSO (reduced by 2-5%) and had no significant impact on other indicators. However, higher integration (20-30%) and higher volatility (>0.6) increased the bad debt ratio by up to 5% and worsened the financial indicators. Using the Google Vertex AI generative model Gemini-1.5-flash-002, a decision support model was developed to identify recommendations on the amount of Bitcoin in accounts receivable. The model achieved 94% accuracy and recommended 5-10% integration at volatilities below 0.3. The API function and the Node.js-based system allow for real-time structured recommendations based on financial data
Integration of artificial intelligence methods for financial risk assessment using virtual assistants.
No full textIn recent years, the integration of technological advancements and the increasing reliance on artificial intelligence have highlighted the importance of automated solutions in improving operational efficiency and user experience. This paper focuses on integrating artificial intelligence models into intelligent virtual assistants, especially in the financial services sector, to address the challenge of automating loan risk assessment. The main problem is how artificial intelligence models can be effectively integrated into virtual assistants to automate and optimize the financial risk assessment of loan applicants. Current research reveals significant progress in AI-based customer service tools, but applying these technologies to financial risk assessment using virtual assistants is still unexplored. Reliance on traditional, often manual, risk assessment methods limit efficiency and scalability. This study explores the potential of AI models to improve risk assessment processes by designing and integrating them into a prototype virtual assistant. By analyzing the existing literature and methodologies, the paper identifies key challenges, including the need for accurate, secure, and personalized financial assessments. The study explores mathematical models and machine learning methods for debt repayment and loan risk assessment scenarios. The result of this research is a prototype of a virtual assistant that can use artificial intelligence to assess financial risks and provide actionable recommendations. By integrating these capabilities, the prototype ensures more efficient and reliable risk assessment, thereby improving decision-making processes for both service providers and customers. This approach contributes to the growing application of artificial intelligence in financial services, highlighting the innovation and practical benefits of virtual assistants in solving complex financial challenges
Lyderystės ir komandinio darbo iššūkiai hibridinėse komandose projektų vadovų ir komandos narių požiūriu.
No full textA team leader plays an important role in managing and coordinating a team. A successful team leader motivates, guides and fosters cooperation among team members, while an unsuccessful team leader can negatively impact team performance. Problems and challenges often arise within the team or between the leader and the team. Some measures are taken to deal with these challenges. This research is exactly about the challenges and solutions experienced in hybrid teams. Challenges can be both between the team leader and the team members and within the team. In hybrid work, the challenges between the leader and the team members are often related to communication problems, lack of creativity, low participation, disagreements and other problems. Aims and objectives: The aim of the master's thesis is to identify the challenges of leadership and teamwork in a hybrid work environment, identify practical applications for appropriate leader communication, and offer methods for employees to adapt to this transition without experiencing psychological problems such as lack of communication, loneliness, helplessness, and lack of appreciation. Hybrid work is not only about psychological problems. These include communication problems, working hours, lack of achievement, irresponsibility, and other problems. The objective of the master's thesis is to interview team members and project leaders consisting of 12 participants and to find solutions to the difficulties experienced in hybrid teams. Research methodology: A content research method was applied to obtain empirical information. Empirical data were collected from primary and secondary sources. The first stage of data collection focused on literature review. The empirical study is based on a content research strategy, including interviews with project team members and project managers. A semi-structured interview guide was developed for this study. The research was conducted using a semi-structured interview: 6 project managers and 6 team members working in the public sector on international projects in Lithuania were interviewed. The results were analyzed using the previously developed theoretical framework. Research results: Although it is accepted that hybrid work will find a place in business life, it is seen that 100% hybrid work will not be efficient in terms of perceiving and developing corporate culture, acquiring the corporate language, need for socialization, etc. For this reason, while social interaction and physical working opportunities are being developed, period-based hybrid working models and their effects that have not yet been put into practice are also evaluated within the scope of analysis studies. In this context, it is seen that the hybrid working model we know and apply today may be put into practice with different versions in the near future. It has been determined that possible communication problems can have many negative effects on employee loyalty, teamwork, productivity, well-being and, accordingly, business results and increased turnover rates. In order to prevent these negativities, the basic characteristics of leaders who produce better results are to always keep various communication channels open, to use digital communication channels effectively and to follow and implement developments in this regard, to meet with their teams regularly and to do this not only for business purposes but also for social interaction, to work to reduce the workload of their teams and to eliminate obstacles, to give importance to the work-life balance and well-being of employees and to make conscious efforts to provide improvements in these matters
Prototype of a decentralized application for cryptocurrency rewards for completing household chores.
No full textThesis Overview. The thesis investigates the design and development of a decentralized application aimed at enhancing children's financial literacy and motivation through cryptocurrency rewards for household tasks. By utilizing blockchain technology, the application provides a transparent and secure platform that reduces reliance on intermediaries while fostering practical financial education for both parents and children. Objectives and Methods. The study focuses on: Analyzing decentralized platforms and blockchain technology; Assessing children’s financial literacy needs and educational methods; Designing and prototyping a blockchain-based application; Testing the prototype and providing recommendations. The methodology combines literature analysis, prototype development, and empirical testing. Results and Conclusions. The findings demonstrate that blockchain-based applications can significantly improve children’s understanding of financial processes and foster responsibility through reward-based learning. The prototype successfully integrates task management and cryptocurrency rewards, offering a practical and scalable solution for modern financial education. These results underscore blockchain's role as a transformative tool in addressing the limitations of traditional financial literacy approaches and engaging children with innovative, technology-driven methods. Details. The thesis consists of 66 pages, including 2 tables and 26 figures, and was conducted under the supervision of J. Asist. Dr. Paulius Danielius
The Baltic growth model: Balanced growth under the EMU playbook /
No full textThis article analyses the growth model (GM) of the Baltic States. Contrary to prevailing accounts in the literature, it argues that following the GFC, the Baltic States transitioned to a balanced GM. While austerity facilitated adjustment during the crisis, the subsequent balanced growth path was conditioned by an increasing wage share, a broad distribution of wage gains across both sheltered and exposed sectors, consumption growth, and robust export performance despite the rising real effective exchange rate. The paper identifies Lithuania as the most clear-cut case of balanced growth over the period 2010–22. Overall, the outcome of the Economic and Monetary Union’s macroeconomic governance regime depends on the institutional features of the economy and may not necessarily result in purely export-led growth. Furthermore, balanced GMs can emerge without strong wage coordination but can be supported by alternative configurations, with labour market flexibility playing a prominent role in the Baltics
Vektorinės optinės kulkos laisvoje erdvėje ir dispersinėje terpėje.
No full textTheoretical studies in electromagnetics for generation of nondiffracting and nondispersive light pulses, which are crucial for various applications, are on the rise nowadays. Current technologies allow for the creation of short-duration, high-power pulses. To achieve better beam shaping control of non-diffracting and non-dispersive pulses, highly focused vector pulses are investigated. For this investigation different simulation methods were used for analyzing vector pulsed light beams with different polarization structures (linear, azimuthal and radial) and comparing them to scalar models. The effects of superluminal, subluminal, and negative group velocities on vector focus wave modes in both free space and dielectric materials were analyzed. In this work, the vector description is introduced for optical bullets, and using mathematical model presented in this work, it is possible to investigate the properties of the beam in dielectric media with group velocities that can be superluminal, subluminal, or even negative. The results allow us to understand the relations between transverse size of the beam, the intensities of each component (paying special attention to the longitudinal component of the electric field) depending on the central frequency, polarizations and different group velocities
The potential of blood derived inflammatory biomarkers in predicting the therapy success of RTMS for treatment resistant depression patients /
No full textMetal-THINGS: the Milky Way twin candidate NGC 3521 /
No full textThe 3D spectrophotometry measurements of the galaxy NGC 3521, a structural Milky Way analogue (sMWA), were carried out within the Metal-THINGS project. We found that the oxygen abundance in the inner part of NGC 3521 is at a nearly constant level and the O/H gradient is negative at larger radii. The change in the nitrogen abundance with radius is similar to that for oxygen with the break in the N/H distribution at a smaller radius than the O/H distribution break, but the difference between the break radii is within the uncertainties of these values. The radial distributions of the oxygen abundance, the gas mass fraction, and the effective oxygen yield in NGC 3521 are compared to that of the Milky Way (MW), with the aim of examining the similarity (or disagreement) in their chemical evolutions. The oxygen abundances of two H II regions closest to the centre of the MW (at a radii of 4–5 kpc) are close to the binned oxygen abundances in NGC 3521 at the same galactocentric distances; an accurate value of the central oxygen abundance in the MW cannot be established because of the lack of the measurements near the centre. The oxygen abundances in the outer part of the MW are lower than those in the outer part of NGC 3521. The gas mass fraction in the outer part of the MW is higher than in NGC 3521. The obtained values of the effective oxygen yield, Yeff, in NGC 3521 are close to the empirical estimation of the oxygen yield, YO. This suggests that mass exchange with the surroundings plays little to no role in the current chemical evolution of NGC 3521. The values of the Yeff in the MW were determined using two variants of the radial distribution of the gas mass surface density. The values of the Yeff in the MW obtained with the first distribution are also close to YO, as in NGC 3521. The Yeff in the MW obtained with the second distribution are below YO at radii between ∼6 and ∼10.4 kpc. This suggests that the mass exchange with the surroundings can play a significant role in the chemical evolution of this part of the MW, in contrast to that in NGC 3521. To draw a solid conclusion about the role of mass exchange with the surroundings in the chemical evolution of the MW it is essential to determine which of these distributions provides a more adequate description of the gas distribution in the MW