НЕОБАНКІНГ ТА ЦИФРОВА ТРАНСФОРМАЦІЯ БАНКІВСЬКОЇ СИСТЕМИ УКРАЇНИ

In the article the main features of the digital transformation of the domestic banking system are highlighted. The analysis of the current state of penetration of innovative banking technologies is carried out. In particular, it shows an increase in non-cash payments, an increase in the issue of contactless and toned payment cards with their further integration into international payment applications and financial markets, especially cryptocurrency markets. The study also summarizes the strengths and weaknesses of the operation of neo-banks.As a result, the article includes proposals for the formation of the banking sector digital transformation priority goals in the context of digital economy development, and measures for their implementation. Primary, this is, the banking ecosystem creation that distinguishes the digital form of data as a key factor of added value and ensures effective interaction of the financial system participants, both within the country and with other countries. In consequence, the implementation of the concept of open banking should become an incentive for the development of a new type of banking system. Finally, we came to the opinion that, it is necessary to create an institutional environment for the creation and development of high-tech banking and increase competitiveness both in the field of individual banking services and the banking system as a whole. The creation of institutional and infrastructural environment should be facilitated by the creation of incubators and accelerators, as well as regulatory sandboxes, as they allow to test innovative proposals on the market with real consumers under the supervision of the regulator. All things considered, it willcontribute to the emergence of new financial startups, expanding the range of payment market participants and the development of new products and services. Obviously, it will allow consumers to get truly competitive and high-quality payment services and high protection of their rights. В статье выделены основные отличительные черты цифровой трансформации отечественной банковской системы. Проведен анализ современного состояния проникновения инновационных банковских технологий. Обобщены сильные и слабые стороны функционирования необанков. Выделены приоритетные цели цифровой трансформации банковского сектора в контексте развития цифровой экономики и предложены меры по их реализации.У статті визначено основні характерні риси цифрової трансформації вітчизняної банківської системи. Проведено аналіз сучасного стану проникнення інноваційних банківських технологій. Узагальнено сильні та слабкі сторони функціонування необанків. Окреслено пріоритетні цілі цифрової трансформації банківського сектору в контексті розбудови цифрової економіки та  запропоновано заходи, щодо їх реалізації

РОЛЬ БЮДЖЕТНОЇ БЕЗПЕКИ У ЗАБЕЗПЕЧЕННІ СТАБІЛЬНОСТІ ФІНАНСОВОЇ СИСТЕМИ УКРАЇНИ

One of the defining components of ensuring the stability of the financial system is the sphere of public finances, because problems with ensuring the filling and balancing of the budget can have a significant destabilizing effect on the socio-economic development of the country. The purpose of the study is to generalize existing approaches to determining budget security, as well as to assess its impact on the stability of the country’s financial system.Financial stability is the state of the financial system, in which it is able to properly perform its main functions, as well as withstand crisis phenomena. The article examines the theoretical aspects of the concept of "budgetary security", by which we understand the state of ensuring the solvency of the state, taking into account the balance of revenues and expenditures of the state and local budgets and the efficiency of the use of budget funds. The impact of budgetary security on the financial stability of the state is substantiated. The indicators that determine the level of budget security are singled out: the amount of revenues and expenditures of the consolidated budget, their structure, the size of the budget deficit and sources of coverage, the level of redistribution of GDP through the consolidated budget; the amount of payments for servicing the state debt incomparison with the revenues of the State Budget.An assessment of the level of the country’s budget security for 2019-2021 was carried out and conclusions were made about significant threats to the budget system, in particular: the deterioration of the dynamics of tax revenues as a result of military actions, compared to the planned indicators; growing budget revenue losses from tax incentives provided to stimulate the economy; deterioration of payment discipline and growth of taxpayers’ tax debt against the background of deterioration of business activity; increase in budget expenditures for defense measures; growth of the budget deficit and public debt beyond economically safe limits. Proposals have been made to increase the level of financial stability in the budgetary sphere. У статті узагальнено існуючі підходи до визначення стабільності фінансової системи. Досліджено теоретичні аспекти поняття «бюджетна безпека». Обґрунтовано вплив бюджетної безпеки на фінансову стабільність держави. Встановлено ризики та загрози фінансовій стабільності. Виокремлено показники, які визначають рівень бюджетної безпеки. Проведено оцінку рівня бюджетної безпеки країни за 2019–2021 роки. Надано пропозиції щодо підвищення рівня фінансової стабільності в бюджетній сфері

Multistrip multigap symmetric RPC

Abstract The characteristics of a symmetric multigap resistive plate chamber with multistrip readout electrode, recently developed by us, continued to be investigated. Studies of the time resolution, efficiency, average charge and dark rate as a function of applied voltage and the influence of the angle of incidence of the detected particle on these observables have been performed. Different type of discriminators have been tested

Features of Muon Arrival Time Distributions of High Energy EAS at Large Distances From the Shower Axis

In view of the current efforts to extend the KASCADE experiment (KASCADE-Grande) for observations of Extensive Air Showers (EAS) of primary energies up to 1 EeV, the features of muon arrival time distributions and their correlations with other observable EAS quantities have been scrutinised on basis of high-energy EAS, simulated with the Monte Carlo code CORSIKA and using in general the QGSJET model as generator. Methodically various correlations of adequately defined arrival time parameters with other EAS parameters have been investigated by invoking non-parametric methods for the analysis of multivariate distributions, studying the classification and misclassification probabilities of various observable sets. It turns out that adding the arrival time information and the multiplicity of muons spanning the observed time distributions has distinct effects improving the mass discrimination. A further outcome of the studies is the feature that for the considered ranges of primary energies and of distances from the shower axis the discrimination power of global arrival time distributions referring to the arrival time of the shower core is only marginally enhanced as compared to local distributions referring to the arrival of the locally first muon.Comment: 24 pages, Journal Physics G accepte

Association of Blood Biomarkers With Acute Sport-Related Concussion in Collegiate Athletes: Findings From the NCAA and Department of Defense CARE Consortium

Importance: There is potential scientific and clinical value in validation of objective biomarkers for sport-related concussion (SRC). Objective: To investigate the association of acute-phase blood biomarker levels with SRC in collegiate athletes. Design, Setting, and Participants: This multicenter, prospective, case-control study was conducted by the National Collegiate Athletic Association (NCAA) and the US Department of Defense Concussion Assessment, Research, and Education (CARE) Consortium from February 20, 2015, to May 31, 2018, at 6 CARE Advanced Research Core sites. A total of 504 collegiate athletes with concussion, contact sport control athletes, and non-contact sport control athletes completed clinical testing and blood collection at preseason baseline, the acute postinjury period, 24 to 48 hours after injury, the point of reporting being asymptomatic, and 7 days after return to play. Data analysis was conducted from March 1 to November 30, 2019. Main Outcomes and Measures: Glial fibrillary acidic protein (GFAP), ubiquitin C-terminal hydrolase-L1 (UCH-L1), neurofilament light chain, and tau were quantified using the Quanterix Simoa multiplex assay. Clinical outcome measures included the Sport Concussion Assessment Tool-Third Edition (SCAT-3) symptom evaluation, Standardized Assessment of Concussion, Balance Error Scoring System, and Brief Symptom Inventory 18. Results: A total of 264 athletes with concussion (mean [SD] age, 19.08 [1.24] years; 211 [79.9%] male), 138 contact sport controls (mean [SD] age, 19.03 [1.27] years; 107 [77.5%] male), and 102 non-contact sport controls (mean [SD] age, 19.39 [1.25] years; 82 [80.4%] male) were included in the study. Athletes with concussion had significant elevation in GFAP (mean difference, 0.430 pg/mL; 95% CI, 0.339-0.521 pg/mL; P < .001), UCH-L1 (mean difference, 0.449 pg/mL; 95% CI, 0.167-0.732 pg/mL; P < .001), and tau levels (mean difference, 0.221 pg/mL; 95% CI, 0.046-0.396 pg/mL; P = .004) at the acute postinjury time point compared with preseason baseline. Longitudinally, a significant interaction (group × visit) was found for GFAP (F7,1507.36 = 16.18, P < .001), UCH-L1 (F7,1153.09 = 5.71, P < .001), and tau (F7,1480.55 = 6.81, P < .001); the interaction for neurofilament light chain was not significant (F7,1506.90 = 1.33, P = .23). The area under the curve for the combination of GFAP and UCH-L1 in differentiating athletes with concussion from contact sport controls at the acute postinjury period was 0.71 (95% CI, 0.64-0.78; P < .001); the acute postinjury area under the curve for all 4 biomarkers combined was 0.72 (95% CI, 0.65-0.79; P < .001). Beyond SCAT-3 symptom score, GFAP at the acute postinjury time point was associated with the classification of athletes with concussion from contact controls (β = 12.298; 95% CI, 2.776-54.481; P = .001) and non-contact sport controls (β = 5.438; 95% CI, 1.676-17.645; P = .005). Athletes with concussion with loss of consciousness or posttraumatic amnesia had significantly higher levels of GFAP than athletes with concussion with neither loss of consciousness nor posttraumatic amnesia at the acute postinjury time point (mean difference, 0.583 pg/mL; 95% CI, 0.369-0.797 pg/mL; P < .001). Conclusions and Relevance: The results suggest that blood biomarkers can be used as research tools to inform the underlying pathophysiological mechanism of concussion and provide additional support for future studies to optimize and validate biomarkers for potential clinical use in SRC

The SBRT database initiative of the German Society for Radiation Oncology (DEGRO): patterns of care and outcome analysis of stereotactic body radiotherapy (SBRT) for liver oligometastases in 474 patients with 623 metastases

Background: The intent of this pooled analysis as part of the German society for radiation oncology (DEGRO)stereotactic body radiotherapy (SBRT) initiative was to analyze the patterns of care of SBRT for liver oligometastases and to derive factors influencing treated metastases control and overall survival in a large patient cohort. Methods: From 17 German and Swiss centers, data on all patients treated for liver oligometastases with SBRT since its introduction in 1997 has been collected and entered into a centralized database. In addition to patient and tumor characteristics, data on immobilization, image guidance and motion management as well as dose prescription and fractionation has been gathered. Besides dose response and survival statistics, time trends of the aforementioned variables have been investigated. Results: In total, 474 patients with 623 liver oligometastases (median 1 lesion/patient; range 1–4) have been collected from 1997 until 2015. Predominant histologies were colorectal cancer (n= 213 pts.; 300 lesions) and breast cancer (n= 57; 81 lesions). All centers employed an SBRT specific setup. Initially, stereotactic coordinates and CT simulation were used for treatment set-up (55%), but eventually were replaced by CBCT guidance (28%) or more recently robotic tracking (17%). High variance in fraction (fx) number (median 1 fx; range 1–13) and dose per fraction (median: 18.5 Gy; range 3–37.5 Gy) was observed, although median BED remained consistently high after an initial learning curve. Median follow-up time was 15 months; median overall survival after SBRT was 24 months. One- and 2-year treated metastases control rate of treated lesions was 77% and 64%; if maximum isocenter biological equivalent dose (BED) was greater than 150 Gy EQD2Gy, it increased to 83% and 70%, respectively. Besides radiation dose colorectal and breast histology and motion management methods were associated with improved treated metastases control