Beslutningsteori: generelt

As drivers of climate action enter the fourth decade of what has become a multi-stage race, Net Zero has emerged as the dominant organizing principle. Hundreds of corporations and investors worldwide, together responsible for assets in the tens of trillions of dollars, are lining-up for the UN Race to Zero. This latest stage in the race to save civilization from heat, drought, fires, and floods, is defined by steering toward zeroing out greenhouse gas emissions by 2050.Settling Climate Accounts probes the practice of Net Zero finance. It elucidates both the state of play and a set of directions that help form judgements about whether Net Zero is going to carry climate action far enough. The book delves into technical analyses and activates the reader's imagination with narrative accounts of climate action past, present, and future. Settling Climate Accounts is edited and authored by Stanford University faculty and researchers. The first part of the book investigates the rough edges of Net Zero in practice, exploring questions of hedging risk, Scope 3 emissions, greenwashing, and the business of asset management. The second half looks at states, markets, and transitions through the lenses of blended finance, offsets, debt, and securitization. The editors tease out possible solutions and raise further questions about the adequacy and reach of the Net Zero agenda. To effectively navigate the road ahead, the editors call out the need for accountability and ask: who is in charge of making Net Zero add up?Settling Climate Accounts offers context and foundation to ground the rapidly evolving practice of Net Zero finance. Targeted at seasoned practitioners, newly activated leaders, educators, and students of climate action the world over, this book embraces the complexity of climate action and, in so doing, proposes to animate and drive hope.

Empower Your Teen to Take Control of Their Future: A Practical Guide for Teens, Written in Their Language As a parent, you want to see your teen succeed and confidently navigate the next steps in life. But guiding them through the maze of career choices and future planning can feel overwhelming. How do you ensure they make informed decisions about their life after high school? Give Your Teen the Tools for Success Your teen is facing some big questions: What career path fits their strengths and passions? Should they go to college, explore trade schools, or take a different route? How can they set meaningful goals that reflect their values and aspirations? So What Comes Next? is the solution they need. This concise, teen-friendly guide is designed for your teen to use on their own. It's packed with practical advice written in a way they'll relate to, making it easy for them to take charge of their future. What Makes This Book Different? Downloadable Programs: Teens can actively build their own life and career plans with interactive tools that make planning engaging and straightforward. Self-Awareness and Career Guidance: It helps teens discover what drives them, identify their strengths, and match their interests to real-world career options. Why Your Teen Will Love It Imagine your teen gaining the confidence to map out their future-setting goals, exploring career paths, and building a plan they're excited about. This book replaces confusion and anxiety with clarity and ownership over their next steps. A Gift That Will Impact Their Future While your role is vital, this book empowers your teen to take the lead in planning their future. It's not just a resource; it's a tool for independence, self-discovery, and building a roadmap to success. Give your teen the gift of clarity, confidence, and a plan they can be proud of. With So What Comes Next?, your teen will have everything they need to take charge of their future. Start their journey today!

The BTG handbook guides you on a quest to BE THE GREATEST version of yourself by mastering and applying the 10 Jewels of Greatness. The ten jewels are direct, simple, and applicable core competencies that universally add value to all aspects of your life. The BE THE GREATEST Handbook is a resource for anyone looking for a strategy to develop personal, professional, and leadership skills as they fulfill the mission to become a Greater version of themselves. It has been estimated that the average person operates at less than 50% of their Greatest potential most of the time because they don't have a strategy to become Greater. The BTG Handbook is for those looking to become more competent in their life by stretching themselves to reach greater heights of personal development and achievement. Each jewel is articulated through personal stories, life experiences, discovery questions, and action items to help create a plan that brings out your best. The BTG Handbook is an easy-to-digest tool that adds maximum value when you do the work to map out a plan to BE THE GREATEST that you can Be.

Most successful organizations recognize Maintenance Parts and Procurement as a critical success factor to Asset Management Excellence and their fundamental supply chain value proposition. This book works as a guide to all the stakeholders that influence the success of their Maintenance Parts Operation and their enterprise's bottom line.

This book addresses the reliability, risk, and safety issues of real industrial systems with application of the latest reliability and riskbased modelling. Related topics such as maintenance decision-making, risk and safety modelling are also addressed with the implementation of decision-making techniques.

Volume 22, Fintech, Pandemic, and the Financial System, examines systemic challenges faced by a wide range of financial market participants and the continued disruptions introduced by financial innovations (Fintech).

Are you focused on what's wrong with your students?Now you can transform learning by reframing your view from what's wrong to what's strong."At risk." "Low." "Title I kids." If you've worked with students, you've probably heard or said these coded labels that reflect deficit thinking. This focus on weakness is a pervasive, powerful judgment that continues to harm students long after they leave school. It's time for educators to hack deficit thinking, think about SEL and about strength-based teaching, and reframe teaching and learning.Nationally certified school psychologists McClure and Reed show teachers, administrators, and support staff how to unlearn student blame and reframe thinking to focus on students' strengths. When we acknowledge the impact of teaching practices and the broader structural inequities, we can help everyone reach their highest potential.In Hacking Deficit Thinking, you'll learn how to:Build on student strengthsThink about student empathyHumanize your dataRecognize the value of differencesThink about teacher empathyTalk about equity in schoolsTap into school-wide strengthsFlourish as an educatorReady to reframe your thinking and go from what's wrong to what's strong? Read Hacking Deficit Thinking today, and reframe your view from what's wrong to what's strong.

Manage and mitigate the human side of riskIn Humanizing Rules: Bringing Behavioural Science to Ethics and Compliance, veteran risk adviser and trainer Christian Hunt delivers an incisive and practical discussion of how to mitigate the risk of people doing things they shouldn't or failing to do things they should. In the book, you'll explore effective strategies for achieving compliance that work with - rather than against - the grain of natural human thinking and behaviour.The authors challenge existing presumptions about managing risk and show you practical techniques and examples you can deploy today in your own organisation. You'll also find:* Strategies for preventing adverse events that go beyond simply assuming that, because someone is employed, they can be told what to do* Techniques for risk mitigation in environments which are difficult to codify* Ways to improve positive engagement on the part of employees critical to risk managementAn effective and essential text in managing the human contribution to adverse and negative events, Humanizing Rules is a must-read for compliance professionals, Chief Risk Officers and other risk executives, managers, directors, and other business leaders with an interest in reducing the likelihood and impact of risk.

Dieses Buch bietet einen Überblick über Data-Mining-Methoden, die durch Software veranschaulicht werden. Beim Wissensmanagement geht es um die Anwendung von menschlichem Wissen (Erkenntnistheorie) mit den technologischen Fortschritten unserer heutigen Gesellschaft (Computersysteme) und Big Data, sowohl bei der Datenerfassung als auch bei der Datenanalyse. Es gibt drei Arten von Analyseinstrumenten. Die deskriptive Analyse konzentriert sich auf Berichte über das, was passiert ist. Bei der prädiktiven Analyse werden statistische und/oder künstliche Intelligenz eingesetzt, um Vorhersagen treffen zu können. Dazu gehört auch die Modellierung von Klassifizierungen. Die diagnostische Analytik kann die Analyse von Sensoreingaben anwenden, um Kontrollsysteme automatisch zu steuern. Die präskriptive Analytik wendet quantitative Modelle an, um Systeme zu optimieren oder zumindest verbesserte Systeme zu identifizieren. Data Mining umfasst deskriptive und prädiktive Modellierung. Operations Research umfasst alle drei Bereiche. Dieses Buch konzentriert sich auf die deskriptive Analytik.Das Buch versucht, einfache Erklärungen und Demonstrationen einiger deskriptiver Werkzeuge zu liefern. Es bietet Beispiele für die Auswirkungen von Big Data und erweitert die Abdeckung von Assoziationsregeln und Clusteranalysen. Kapitel 1 gibt einen Überblick im Kontext des Wissensmanagements. Kapitel 2 erörtert einige grundlegende Softwareunterstützung für die Datenvisualisierung. Kapitel 3 befasst sich mit den Grundlagen der Warenkorbanalyse, und Kapitel 4 demonstriert die RFM-Modellierung, ein grundlegendes Marketing-Data-Mining-Tool. Kapitel 5 demonstriert das Assoziationsregel-Mining. Kapitel 6 befasst sich eingehender mit der Clusteranalyse. Kapitel 7 befasst sich mit der Link-Analyse. Die Modelle werden anhand geschäftsbezogener Daten demonstriert. Der Stil des Buches ist beschreibend und versucht zu erklären, wie die Methoden funktionieren, mit einigen Zitaten, aber ohne tiefgehende wissenschaftliche Referenzen. Die Datensätze und die Software wurden so ausgewählt, dass sie für jeden Leser, der über einen Computeranschluss verfügt, weithin verfügbar und zugänglich sind.

 This book revolves around the concept of financial risk tolerance and its role in financial markets. Bridging different literatures and reviewing in detail the impact of European regulation on the evolution of risk tolerance assessment, this book discusses the intersection of scholarly research, practitioner experience and current and likely normative developments.In particular, the book focuses on the evolution of the debate on the suitability questionnaire - a key tool introduced with the Markets in Financial Instruments Directive (MiFID) and further developed with MiFID's successor - comparing it with empirical evidence on financial risk tolerance determinants, spanning from sociodemographic to behavioral components and life events. The book also looks at the future evolution of the normative framework post MiFID2 addressing in detail two key trends that are already affecting the way in which risk tolerance is dealt with in European financial markets - sustainable development and fintech and roboadvisory. The book includes an original survey run with financial market experts to assess the perceptions regarding these two trends and includes commentaries by a professional financial advisor on the key topics discussed.

This book encourages insurance companies and regulators to explore offering Islamic insurance to boost the insurance industry in India. The distinctive features of Takaful also make it appealing even to non-Muslims. According to the 2012 World Takaful Report, India has immense potential for Takaful is based on the size of its Muslim population and the growth of its economy. However, it is surprising that Takaful has yet to be introduced in India since it has been offered in non-majority Muslim countries, such as Singapore, Thailand, and Sri Lanka. When the concept and practice of Takaful are examined, it is free from interest, uncertainty, and gambling. These are the main elements prohibited in Islam. However, it has been evidenced that these elements are also banned in teaching other religions believed by the Indians. Given this landscape, this book fills the gap in research on the viability of Takaful in India, focusing on its empirical aspects by examining the perception of Indian insurance operators toward Takaful.

My Mindful Friends is a social-emotional learning book that will improve classroom culture or home climate, tame the worries, reduce anxiety, calm anger, and manage strong emotions in any situation. This book shares four steps to mindfulness that are based on researched methods and will support social-emotional learning lessons or programs used by educators and caregivers. The steps, along with easy-to learn calming techniques, will provide valuable mindfulness and self-regulation skills, and show children that each and every emotion is okay. It will share a variety of breathing techniques that they can use to calm big emotions, practice mindfulness, and become ready to problem solve or learn.Social-emotional learning (SEL) provides a foundation for positive, long-term skills, including effective problem-solving, impulse control, and management of emotions. People with strong social-emotional skills are better able to cope with everyday challenges and benefit academically, professionally, and socially.My Mindful Friends includes diverse illustrations that will teach a variety of skills, including: choosing and practicing mindfulness strategies, breathing and strategies to calm strong, uncomfortable emotions, showing kindness and empathy towards others, anddeveloping a growth mindset to show that they can do hard things.Share these essential life skills with the children in your life with My Mindful Friends.

Wir leben in einer sich schnell andernden Zeit: Unternehmen mussen sich zunehmend mit der turbulenten Umwelt beschaftigen, um langfristig erfolgreich zu sein. Dieses Buch richtet sich an Unternehmen jeder Form und Groe. Es soll helfen, Krisen fruhzeitig zu erkennen, damit rechtzeitig - ohne unter Handlungsdruck schwerwiegende Entscheidungen zu treffen - reagiert werden kann. Turnaround-Chancen hangen in erster Linie von einer rechtzeitigen Krisenerkennung ab. In der Praxis entdeckt die Geschaftsfuhrung eine Krise meist erst in der letzten Phase: der Liquiditatskrise. Die fruhzeitige Krisenerkennung ist eine Forderung des KonTraG (seit 1999) und StaRUG (seit 2021) an die Geschaftsfuhrung. Neben diesen gesetzlichen Forderungen ist die Implementierung eines Fruhwarnsystems okonomisch sinnvoll und ein strategischer Erfolgsfaktor in der schnelllebigen VUKA-Welt.

This book focuses on the alternative techniques and data leveraged for credit risk, describing and analysing the array of methodological approaches for the usage of techniques and/or alternative data for regulatory and managerial rating models. During the last decade the increase in computational capacity, the consolidation of new methodologies to elaborate data and the availability of new information related to individuals and organizations, aided by the widespread usage of internet, set the stage for the development and application of artificial intelligence techniques in enterprises in general and financial institutions in particular. In the banking world, its application is even more relevant, thanks to the use of larger and larger data sets for credit risk modelling. The evaluation of credit risk has largely been based on client data modelling; such techniques (linear regression, logistic regression, decision trees, etc.) and data sets (financial, behavioural, sociologic, geographic, sectoral, etc.) are referred to as "e;traditional"e; and have been the de facto standards in the banking industry. The incoming challenge for credit risk managers is now to find ways to leverage the new AI toolbox on new (unconventional) data to enhance the models' predictive power, without neglecting problems due to results' interpretability while recognizing ethical dilemmas. Contributors are university researchers, risk managers operating in banks and other financial intermediaries and consultants. The topic is a major one for the financial industry, and this is one of the first works offering relevant case studies alongside practical problems and solutions.