Design of a Hybrid Mortgage Lending System: To Decrease the Cost of Trust by considering the Integrative Model of Organizational Trust

Traditional financial companies play a central role in ensuring financial stability and reliability. However, these companies face institutional problems due to inefficiencies, lack of transparency and limited innovation. For this reason, the use of distributed ledger technology, or blockchain, has been explored as an alternative and its...

Communication is Care: Requirement-Based Platform Architecture Design to Enable Pharmacists' and General Practitioners' Interoperability Needs in Dutch First-Line Healthcare

The Dutch first-line healthcare domain faces challenges arising from an ageing population and resource limitations, accentuating the need for an effective IT domain. Inadequate interoperability and data portability between information systems used by healthcare organisations in daily processes hinder patient treatment and innovation. This study...

Sustainable Real Estate Development Canvas: An approach for aligning the strategic and project level to achieve sustainable development concepts

Real estate development faces numerous challenges due to the dynamic market, socio-economic developments, but also deep-rooted mentalities and practices in the sector. Real estate developers need to innovate at both a strategic and business level to overcome these challenges and remain marketable in the long term. This study explores this gap...

Towards Explaining Automated Credit Decisions: The design of an Explicability Assessment Framework (EAF) for Machine Learning Systems

The use of machine learning systems has great potential to better predict probabilities of default for credit underwriting. Despite this advantage, herewith there exists the substantial risk of discrimination. Moreover, machine learning models with the highest prediction-accuracy are often the least explicable (i.e. explainable). Nonetheless,...