Abstract
Emerging markets contain the vast majority of the world's population. Despite the huge number of inhabitants, these markets still lack a proper finance infrastructure. One of the main difficulties felt by customers is the access to loans. This limitation arises from the fact that most customers usually lack a verifiable credit history. As such, traditional banks are unable to provide loans. This paper proposes credit scoring modeling based on non-traditional data, acquired from smartphones, for loan classification processes. We use Logistic Regression (LR) and Support Vector Machine (SVM) models which are the top performers in traditional banking. Then we compared the transformation of the training datasets creating boolean indicators against recoding using Weight of Evidence (WoE). Our models surpassed the performance of the manual loan application selection process, loans granted through the models criteria presented fewer overdues, also the approval criteria of the models increased the amount of granted loans substantially. Compared to the baseline, the loans approved by meeting the criteria of the SVM model presented -196.80% overdue rate. At the same time, the approval criteria of the SVM model generated 251.53% more loans. This paper shows that credit scoring can be useful in emerging markets. The non-traditional data can be used to build algorithms that can identify good borrowers as in traditional banking.

Abstract

Abstract
This paper describes a laboratory control theory experiment supported by the use of a DCMotor Educational Kit. The impact, as a teaching aid, of the proposed laboratory control experiment is evaluated, having in mind the student’s feedback. The DC motor that is used in the developed educational Kit is the EMG30, being a low cost 12V motor equipped with encoders and a 30:1 reduction gearbox. The experiment is based on real hardware and on simulation, using the SimTwo realistic simulation software. In order to implement the realistic simulation the EMG30model was obtained. Students’ feedback was acquired using a questionnaire and the results confirmed the importance given to these practical experiments. © Springer International Publishing Switzerland 2017.

Abstract
During the last decade, the use and evolution of Information and Communication Technologies (ICT) in industry have become unavoidable. The emergence of the Industry Internet of Things (IIoT) promoted new challenges in logistic domain, which might require technological changes such as: high need for transparency (supply chain visibility); integrity control (right products, at the right time, place, quantity condition and at the right cost) in the supply chains. These evolvements introduce the concept of Logistics 4.0. In this paper, it is presented some reflections regarding the adequate requirements and issues enabling organizations to be efficient, and fully operational in Logistics 4.0 context. (C) 2017 The Authors. Published by Elsevier B.V.

Abstract
Integration of emerging energy resources in distribution level reveals new opportunities for decision makers to coordinate various energy vectors under the concept of multi-energy system (MES). In this paper, the behavior of a multi-energy player (MEP) who can trade more than one energy carrier to enhance operational flexibility of MES has been investigated. MEP participates in retail and wholesale energy markets to maximize its profit. The strategic behavior of MEP in these two markets is modeled as two synchronized bi-level problems. The problem is linearized and solved through CPLEX 12 solver. Numerical results show the behavior of MEP as a prosumer in the electricity market to make a smother demand and price profile. Moreover, the results reveal a mutual effect of local and wholesale equilibrium prices by increasing the market share of MEP.

Abstract
A summary of contributions made by significant papers from the first 25 years of the Field-Programmable Logic and Applications conference (FPL) is presented. The 27 papers chosen represent those which have most strongly influenced theory and practice in the field.