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Documents submitted to the Faculty of the University of North Carolina at Chapel Hill in partial fulfillment of the requirements for the degree of Master of Fine Arts in the Department of Art.Master of Fine Art

Mobile, Financial Inclusion and Development: A Critical Review of Academic Literature

With the flagship success of m-Pesa, mobile devices have become an important tool to facilitate financial inclusion of the previously unbanked population in developing countries. Attempts to provide a landscape of academic research findings from a critical perspective has been rather scant. To fill this gap, this study conducts a systematic review of 54 academic research papers vis-à-vis the nexus of mobile, financial inclusion and development. The result shows that the extant literature addresses three major clusters of topics including delivery, environmental factors, and impact of mobile financial services. Still in the nascent stage of research, the topics covered in the literature indicate a skewed balance towards delivery-related issues in a technology-oriented perspective rather than their linkages to financial inclusion and broader socioeconomic development. The choice of research methods also shows a limited variety and depth. This research contributes to understanding the current research on mobile financial services for financial inclusion in developing countries, and finding out research gaps for future study

Dialogue Chain-of-Thought Distillation for Commonsense-aware Conversational Agents

Human-like chatbots necessitate the use of commonsense reasoning in order to effectively comprehend and respond to implicit information present within conversations. Achieving such coherence and informativeness in responses, however, is a non-trivial task. Even for large language models (LLMs), the task of identifying and aggregating key evidence within a single hop presents a substantial challenge. This complexity arises because such evidence is scattered across multiple turns in a conversation, thus necessitating integration over multiple hops. Hence, our focus is to facilitate such multi-hop reasoning over a dialogue context, namely dialogue chain-of-thought (CoT) reasoning. To this end, we propose a knowledge distillation framework that leverages LLMs as unreliable teachers and selectively distills consistent and helpful rationales via alignment filters. We further present DOCTOR, a DialOgue Chain-of-ThOught Reasoner that provides reliable CoT rationales for response generation. We conduct extensive experiments to show that enhancing dialogue agents with high-quality rationales from DOCTOR significantly improves the quality of their responses.Comment: 25 pages, 8 figures, Accepted to EMNLP 202

Temperature as a risk factor of emergency department visits for acute kidney injury: a case-crossover study in Seoul, South Korea

Background Previous studies show that escalations in ambient temperature are among the risk factors for acute kidney injury (AKI). However, it has not been adequately studied in our location, Seoul, South Korea. In this study, we aimed to examine the association between ambient temperatures and AKI morbidity using emergency department (ED) visit data. Methods We obtained data on ED visits from the National Emergency Medical Center for 21,656 reported cases of AKI from 2010 to 2014. Time-stratified case-crossover design analysis based on conditional logistic regression was used to analyze short-term effects of ambient temperature on AKI after controlling for relevant covariates. The shape of the exposure–response curve, effect modification by individual demographic characteristics, season, and comorbidities, as well as lag effects, were investigated. Results The odds ratio (OR) per 1 °C increase at lag 0 was 1.0087 (95% confidence interval [CI]: 1.0041–1.0134). Risks were higher during the warm season (OR = 1.0149; 95% CI: 1.0065–1.0234) than during the cool season (OR = 1.0059; 95% CI: 1.0003–1.0116) and even higher above 22.3 °C (OR = 1.0235; 95% CI: 1.0230–1.0239). Conclusions This study provides evidence that ED visits for AKI were associated with ambient temperature. Early detection and treatment of patients at risk is important in both clinical and economic concerns related to AKI.This research was supported by the Climate Change Adaptation Research Program of National Institute for Environmental Studies of Japan (NIES), the Environment Research and Technology Development Fund of the Environmental Restoration and Conservation Agency of Japan [S-14-5], the Climate Change Correspondence Program of the Ministry of Environment of Republic of Korea [2014001310010], the National Research Foundation (NRF) of Republic of Korea [MSIP, No.2017R1C1B2002663], and the Basic Science Research Program through the NRF funded by the Ministry of Education of Korea [NRF-2018R1D1A1B07049034]. The funding source had no role in the study design; in the collection, analysis and interpretation of data; in the writing of the report; or in the decision to submit the article for publication

The Seoul National University AGN Monitoring Project. II. BLR Size and Black Hole Mass of Two AGNs

Active galactic nuclei (AGNs) show a correlation between the size of the broad line region and the monochromatic continuum luminosity at 5100 Å, allowing black hole mass estimation based on single-epoch spectra. However, the validity of the correlation is yet to be clearly tested for high-luminosity AGNs. We present the first reverberation mapping results of the Seoul National University AGN Monitoring Project (SAMP), which is designed to focus on luminous AGNs for probing the high end of the size–luminosity relation. We report time lag measurements of two AGNs, namely, 2MASS J10261389+5237510 and SDSS J161911.24+501109.2, using the light curves obtained over an ∼1000 days period with an average cadence of 10 and 20 days, respectively, for photometry and spectroscopy monitoring. Based on a cross-correlation analysis and Hβ line width measurements, we determine the Hβ lag as and days in the observed frame, and black hole mass as and , respectively, for 2MASS J1026 and SDSS J1619

Accurate quantification of transcriptome from RNA-Seq data by effective length normalization

We propose a novel, efficient and intuitive approach of estimating mRNA abundances from the whole transcriptome shotgun sequencing (RNA-Seq) data. Our method, NEUMA (Normalization by Expected Uniquely Mappable Area), is based on effective length normalization using uniquely mappable areas of gene and mRNA isoform models. Using the known transcriptome sequence model such as RefSeq, NEUMA pre-computes the numbers of all possible gene-wise and isoform-wise informative reads: the former being sequences mapped to all mRNA isoforms of a single gene exclusively and the latter uniquely mapped to a single mRNA isoform. The results are used to estimate the effective length of genes and transcripts, taking experimental distributions of fragment size into consideration. Quantitative RT–PCR based on 27 randomly selected genes in two human cell lines and computer simulation experiments demonstrated superior accuracy of NEUMA over other recently developed methods. NEUMA covers a large proportion of genes and mRNA isoforms and offers a measure of consistency (‘consistency coefficient’) for each gene between an independently measured gene-wise level and the sum of the isoform levels. NEUMA is applicable to both paired-end and single-end RNA-Seq data. We propose that NEUMA could make a standard method in quantifying gene transcript levels from RNA-Seq data

The Seoul National University AGN Monitoring Project. IV. Hα Reverberation Mapping of Six AGNs and the Hα Size–Luminosity Relation

The broad-line region (BLR) size–luminosity relation has paramount importance for estimating the mass of black holes in active galactic nuclei (AGNs). Traditionally, the size of the Hβ BLR is often estimated from the optical continuum luminosity at 5100 Å, while the size of the Hα BLR and its correlation with the luminosity is much less constrained. As a part of the Seoul National University AGN Monitoring Project, which provides 6 yr photometric and spectroscopic monitoring data, we present our measurements of the Hα lags of high-luminosity AGNs. Combined with the measurements for 42 AGNs from the literature, we derive the size–luminosity relations of the Hα BLR against the broad Hα and 5100 Å continuum luminosities. We find the slope of the relations to be 0.61 ± 0.04 and 0.59 ± 0.04, respectively, which are consistent with the Hβ size–luminosity relation. Moreover, we find a linear relation between the 5100 Å continuum luminosity and the broad Hα luminosity across 7 orders of magnitude. Using these results, we propose a new virial mass estimator based on the Hα broad emission line, finding that the previous mass estimates based on scaling relations in the literature are overestimated by up to 0.7 dex at masses lower than 107M⊙

The Seoul National University AGN Monitoring Project IV: Hα\alpha reverberation mapping of 6 AGNs and the Hα\alpha Size-Luminosity Relation

The broad line region (BLR) size-luminosity relation has paramount importance for estimating the mass of black holes in active galactic nuclei (AGNs). Traditionally, the size of the H$\beta$ BLR is often estimated from the optical continuum luminosity at 5100\angstrom{} , while the size of the H$\alpha$ BLR and its correlation with the luminosity is much less constrained. As a part of the Seoul National University AGN Monitoring Project (SAMP) which provides six-year photometric and spectroscopic monitoring data, we present our measurements of the H$\alpha$ lags of 6 high-luminosity AGNs. Combined with the measurements for 42 AGNs from the literature, we derive the size-luminosity relations of H$\alpha$ BLR against broad H$\alpha$ and 5100\angstrom{} continuum luminosities. We find the slope of the relations to be $0.61\pm0.04$ and $0.59\pm0.04$, respectively, which are consistent with the \hb{} size-luminosity relation. Moreover, we find a linear relation between the 5100\angstrom{} continuum luminosity and the broad H$\alpha$ luminosity across 7 orders of magnitude. Using these results, we propose a new virial mass estimator based on the H$\alpha$ broad emission line, finding that the previous mass estimates based on the scaling relations in the literature are overestimated by up to 0.7 dex at masses lower than $10^7$~M$_{\odot}$.Comment: Accepted for publication in ApJ (Jun. 25th, 2023). 21 pages, 12 figure

Hα Reverberation Mapping of the Intermediate-mass Active Galactic Nucleus in NGC 4395

We present the results of a high-cadence spectroscopic and imaging monitoring campaign of the active galactic nucleus (AGN) of NGC 4395. High signal-to-noise-ratio spectra were obtained at the Gemini-N 8 m telescope using the GMOS integral field spectrograph (IFS) on 2019 March 7 and at the Keck I 10 m telescope using the Low-Resolution Imaging Spectrometer with slit masks on 2019 March 3 and April 2. Photometric data were obtained with a number of 1 m-class telescopes during the same nights. The narrow-line region (NLR) is spatially resolved; therefore, its variable contributions to the slit spectra make the standard procedure of relative flux calibration impractical. We demonstrate that spatially resolved data from the IFS can be effectively used to correct the slit-mask spectral light curves. While we obtained no reliable lag owing to the lack of a strong variability pattern in the light curves, we constrain the broad-line time lag to be less than 3 hr, consistent with the photometric lag of ∼80 minutes reported by Woo et al. By exploiting the high-quality spectra, we measure the second moment of the broad component of the Hα emission line to be 586 ± 19 km s−1, superseding the lower value reported by Woo et al. Combining the revised line dispersion and the photometric time lag, we update the black hole mass to (1.7 ± 0.3) × 104 M⊙

The Seoul National University AGN Monitoring Project. II. BLR Size and Black Hole Mass of Two AGNs

Active galactic nuclei (AGNs) show a correlation between the size of the broad line region and the monochromatic continuum luminosity at 5100 Å, allowing black hole mass estimation based on single-epoch spectra. However, the validity of the correlation is yet to be clearly tested for high-luminosity AGNs. We present the first reverberation mapping results of the Seoul National University AGN Monitoring Project (SAMP), which is designed to focus on luminous AGNs for probing the high end of the size─luminosity relation. We report time lag measurements of two AGNs, namely, 2MASS J10261389+5237510 and SDSS J161911.24+501109.2, using the light curves obtained over a ∼1000 days period with an average cadence of 10 and 20 days, respectively, for photometry and spectroscopy monitoring. Based on a cross-correlation analysis and Hβ line width measurements, we determine the Hβ lag as {41.8}-6.0+4.9 and {52.6}-14.7+17.6 days in the observed frame, and black hole mass as {3.65}-0.57+0.49× {10}7{M}ȯ and {23.02}-6.56+7.81× {10}7{M}ȯ , respectively, for 2MASS J1026 and SDSS J1619.</p