1,721,022 research outputs found
University students and retirement planning: never too early
No full textPurpose - The purpose of this paper is to investigate the main predictors of university students' intention to invest in a pension fund: an understanding of how young people perceive retirement planning is relevant for its policy implications. Design/methodology/approach - The authors apply the theory of planned behaviour (TPB) proposed by Ajzen (1985) which explains how human behaviour is guided, and provides a framework to explore the underlying beliefs that affect one's behaviours. Findings - The evidence on a sample of Italian university students highlights that the TPB predictors, pension knowledge, money management and the highest level of financial literacy, positively influence their intention to invest in a pension fund. Research limitations/implications - Although the authors are aware of the limitations of the analysis (limited to a specific country and to a specific financial product), the authors believe that the study has the merit of offering a number of ideas for further research. In fact, there are few contributions in the literature that identify the intention of young people to save for retirement. The study sheds light on this important issue. However, because it is limited to Italian university students, its findings cannot be generalised. Practical implications - The study can be used by regulators, financial educators, counsellors and public institutions to increase the propensity of young people to plan for their future and guide them towards attitudes and behaviours most likely to increase their savings for retirement. Social implications - The evidence suggests that regulators, institutions and educators should improve the information that is provided to families first and to the younger generations - at school, for instance - about the functioning of the pension system. The survey's findings emphasise that university students are generally unaware of the many reforms to the system while believing that their state pensions will be sufficient to maintain a retirement standard of living that is the same as the standard of living achieved during their working lives. Originality/value - In the authors' knowledge, there are not studies that focus on the youngs' intention to invest in a pension fund. The authors believe that millennials are the most hitted by the Fornero's reform and understand which predictors affect this intention can allow to drive the decision in investing in these important financial tool
Monitorare e valutare l’educazione finanziarie: indicazioni dall’indagine ONEEF 2018
No full textIl presente capitolo si concentra sul processo di progettazione di un intervento educativo volto a migliorare le competenze finanziarie degli utenti dell’intervento stesso, a partire dalla definizione degli obiettivi, passando per la fase di monitoraggio (in itinere) fino alla valutazione ex post dell’im- patto del programma educativo. L’obiettivo è quello di fornire spunti di riflessione utili per chi in- tenda progettare nuovi percorsi o rivedere progetti già esistenti per (meglio) valutarne l’efficacia. Per fare ciò lo studio si avvale, oltre che delle indicazioni dell’International Gateway for Financial Education (OCSE/INFE) e della letteratura in materia (soprattutto in ambito pedagogico) anche dei dati raccolti dall’Osservatorio ONEEF (Osservatorio Nazionale Educazione Economico-Finanzia- ria) nella sua recente mappatura (2018) dei percorsi di educazione economico-finanziaria realizzati in Italia. Il lavoro propone inoltre un modello di riferimento per la progettazione e valutazione di percorsi educativi in ambito finanziario e si conclude con un case study quale esemplificazione delle diverse fasi del processo di progettazione, monitoraggio e valutazione di un percorso dedicato agli alunni delle scuole primarie. Si evidenzia come l’aver definito in modo chiaro gli obiettivi educativi, il modello teorico di riferimento, le modalità di monitoraggio e di valutazione fin dal momento dell’avvio del programma abbia permesso ai proponenti di comprendere l’effettiva efficacia del pro- getto nel suo complesso, i suoi punti di debolezza e forza, e più in generale, di raccogliere indicazioni utili alla ricerca scientifica sulla socializzazione e l’educazione finanziaria dei bambini necessarie alla progettazione di interventi didattici più efficaci in futur
A deep attention network for predicting amino acid signals in the formation of α-helices
No full textThe secondary and tertiary structure of a protein has a primary role in determining its function. Even though many folding prediction algorithms have been developed in the past decades — mainly based on the assumption that folding instructions are encoded within the protein sequence — experimental techniques remain the most reliable to establish protein structures. In this paper, we searched for signals related to the formation of α-helices. We carried out a statistical analysis on a large dataset of experimentally characterized secondary structure elements to find over- or under-occurrences of specific amino acids defining the boundaries of helical moieties. To validate our hypothesis, we trained various Machine Learning models, each equipped with an attention mechanism, to predict the occurrence of α-helices. The attention mechanism allows to interpret the model’s decision, weighing the importance the predictor gives to each part of the input. The experimental results show that different models focus on the same subsequences, which can be seen as codes driving the secondary structure formation
Is GPT-3 All You Need for Visual Question Answering in Cultural Heritage?
No full textThe use of Deep Learning and Computer Vision in the Cultural Heritage domain is becoming highly relevant in the last few years with lots of applications about audio smart guides, interactive museums and augmented reality. All these technologies require lots of data to work effectively and be useful for the user. In the context of artworks, such data is annotated by experts in an expensive and time consuming process. In particular, for each artwork, an image of the artwork and a description sheet have to be collected in order to perform common tasks like Visual Question Answering. In this paper we propose a method for Visual Question Answering that allows to generate at runtime a description sheet that can be used for answering both visual and contextual questions about the artwork, avoiding completely the image and the annotation process. For this purpose, we investigate on the use of GPT-3 for generating descriptions for artworks analyzing the quality of generated descriptions through captioning metrics. Finally we evaluate the performance for Visual Question Answering and captioning tasks
La crisi di redditivià delle banche europee nell’ultimo decennio: cause e possibili rimedi
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