This article delves into the nuances of digital transformation within the realm of banking, prompted by the pervasive global digitization of economies.This phenomenon has profoundly shaped the trajectory of financial technologies, giving rise to innovative banking products.The primary objective of this study is to elucidate the essence of digital t
Transit station area land-use characteristics can increase or decrease the perceived costs of riding rail relative to driving or taking other modes.This paper focuses on those characteristics that create discomfort to riders who are walking between stations and destinations, with the aim of providing researchers and planners with a tool that can be
This paper aims to explain the transition to multicellularity as a consequence of the evolutionary response to stress.The proposed model is composed of three parts.The first part details stochastic biochemical kinetics within a reactor (potentially compartmentalized), where kinetic rates are influenced by random stress parameters, such as temperatu
Protective clothing, worn for example by police, ambulance and private security services, has the task of protecting against weapon attacks and is becoming increasingly important.International standards specify test methods to ensure the protective effects and classes, but the protective surfaces or the wearing comfort are not defined more detailed
Historical getpureroutine.com buildings impacted by the 2021 floods in Belgium, and churches in particular, took several years to dry.In the meantime, mould developed on the furniture and became a recurring phenomenon in some places, where climate control was not possible and the maintenance limited.The project RE-MOLD, verona wig elaborated at KIK