Analysis technology of a bank’s competitive position in the deposit market

The structurally balanced resource base of a bank determines its ability to achieve its goals and, as a result, its performance and has a decisive impact on the reproductive process in the economy by converting borrowed funds into investments. Despite a significant reduction in the number of banks over the past 10 years (from 175 to 73), the deposit market is a highly competitive environment. This necessitates the search for approaches to the formation of deposit resources that are adequate to modern conditions, aimed at their stabilization and sufficiency. The objective of the study is to develop a technology for analyzing a bank’s competitive position in the deposit market, which is the basis for choosing a strategy for managing the formation and use of the bank’s deposit resources. The technology of analysis of the bank’s competitive position in the deposit market consists of the following stages: building a system of indicators characterizing the formation and use of bank’s deposit resources, calculation and analysis of integrated taxonomic indicators of the formation and use of a bank’s deposit resources, developing the “formation of a bank’s deposit resources – use of a bank’s deposit resources” matrix, positioning of banks in this matrix, determining the strategies for the formation and use of a bank’s deposit resources, and making appropriate management decisions and their implementation. The proposed technology has been tested on the example of existing banks in Ukraine as of January 1, 2021. Its use allows determining the current competitive position of a bank in the deposit market and choosing a strategy for managing the formation and use of deposit resources from the proposed: preservation, activation, balancing, directed action, intensification, and aggressive strategy.

5-HT2C receptor perturbation has bidirectional influence over instrumental vigour and restraint

The serotonin (5-HT) system, particularly the 5-HT2C receptor, has consistently been implicated in behavioural control. However, while some studies have focused on the role 5-HT2C receptors play in regulating motivation to work for reward, others have highlighted its importance in response restraint. To date, it is unclear how 5-HT transmission at this receptor regulates the balance of response invigoration and restraint in anticipation of future reward. In addition, it remains to be established how 5-HT2C receptors gate the influence of internal versus cue-driven processes over reward-guided actions. To elucidate these issues, we investigated the effects of administering the 5-HT2C receptor antagonist SB242084, both systemically and directly into the nucleus accumbens core (NAcC), in rats performing a Go/No-Go task for small or large rewards. The results were compared to the administration of d-amphetamine into the NAcC, which has previously been shown to promote behavioural activation. Systemic perturbation of 5-HT2C receptors—but crucially not intra-NAcC infusions—consistently boosted rats’ performance and instrumental vigour on Go trials when they were required to act. Concomitantly, systemic administration also reduced their ability to withhold responding for rewards on No-Go trials, particularly late in the holding period. Notably, these effects were often apparent only when the reward on offer was small. By contrast, inducing a hyperdopaminergic state in the NAcC with d-amphetamine strongly impaired response restraint on No-Go trials both early and late in the holding period, as well as speeding action initiation. Together, these findings suggest that 5-HT2C receptor transmission, outside the NAcC, shapes the vigour of ongoing goal-directed action as well as the likelihood of responding as a function of expected reward.

The Lived Body and Embodied Instructional Practices in Maritime Basic Safety Training

This paper explores the role of the lived body in maritime professional training. By focusing on how instructors include students’ subjective experiencing bodies as an educational resource and context for directives and demonstrations, the study aims at informing training of professionals for survival in emergency situations onboard ships. Drawing on a mobile video ethnography and on phenomenological analyses of the presence/absence of the body in experience, the study illustrates how instructors direct students’ attention towards or away from their appearing corporal field depending on the stage of the training. The article documents three instructional practices incorporating students’ lived embodiment during training: coping with distress by foregrounding the lived body, backgrounding the lived body for outer-directed action and imagining others’embodied experiences. The study contributes to our understanding of intercorporeal practices in instructional interaction and guidance in simulation-based vocational training.

Co-dependency of exchanged behaviors is a cue for agency attribution in 10-month-olds

Goal-directed social interactions (whether instrumental or communicative) involve co-dependent, partially predictable actions of interacting agents as social goals cannot be achieved by continuously exchanging the same, perfectly predictable, or completely random behaviors. We investigated whether 10-month-olds are sensitive to the co-dependence and degree of predictability in an interactive context where unfamiliar entities exchanged either perfectly predictable (identical), partially predictable (co-dependent), or non-predictable (random) signal sequences. We found that when—following the interactive exchanges—one of the entities turned in the direction of one of two lateral target objects, infants looked more at the indicated referent, but only in the partially predictable signals condition. This shows that infants attributed agency to the orienting entity and interpreted its turning action as a referential object-directed action. The present findings suggest that the co-dependency and partial predictability of exchanged behaviors can serve as an abstract structural cue to attribute intentional agency and recognize goal-directed social interactions.

Impairments in goal-directed action and reversal learning in a proportion of individuals with psychosis: evidence for differential phenotypes in early and persistent psychosis

Cognitive impairments in psychosis are one of the strongest predictors of functional decline. Cortico-striatal dysfunction may contribute to both psychosis and cognitive impairment in psychotic illnesses. The decision-making processes underlying goal-directed action and serial reversal learning can be measured and are sensitive to changes reflecting cortico-striatal dysfunction. As such, changes in decision-making performance may assist with predicting functional decline in people with psychosis. We assessed decision-making processes in healthy controls (N=34), and those with early psychosis (N=15) and persistent psychosis (N=45). We subclassified subjects based on intact/impaired goal-directed action. Compared with healthy controls (<20%), a large proportion (58%) of those with persistent psychosis displayed impaired goal-directed action, predicting poor serial reversal learning performance. Computational approaches indicated that those with persistent psychosis were less deterministic in their decision-making. Those with impaired goal-directed action had a decreased capacity to rapidly update their prior beliefs in the face of changing contingencies. In contrast, the early psychosis group included a lower proportion of individuals with impaired goal-directed action (20%) and displayed a different cognitive phenotype from those with persistent psychosis. These findings suggest prominent decision-making deficits, indicative of cortico-striatal dysfunction, are present in a large proportion of people with persistent psychosis while those with early psychosis have relatively intact decision-making processes compared to healthy controls. It is unclear if there is a progressive decline in decision-making processes in some individuals with psychosis or if the presence of decision-making processes in early psychosis is predictive of a persistent trajectory of illness.

Prefrontal cortex neural compensation during an operant devaluation task

Deficits in goal-directed action are reported in multiple neuropsychiatric conditions, including schizophrenia. However, dysfunction is not always apparent in early stages of schizophrenia, possibly due to neural compensation. We designed a novel devaluation task in which goal-directed action could be guided by stimulus-outcome (S-O) [presumably orbitofrontal cortex (OFC)-mediated] or response-outcome (R-O) associations [presumably prelimbic cortex (PL)-mediated]. We previously found suggestive evidence that OFC and PL could compensate for each other in this task, and we more directly assessed this potential compensation here. In Experiment 1, rats received OFC, PL, combined OFC+PL, or sham lesions and then completed our devaluation task. The OFC+PL lesion group exhibited impaired devaluation. In Experiment 2, rats received cholera-toxin-b (CTb) into OFC and either neurotoxic or sham PL lesions. Rats were then sacrificed on the last training day to double-label for Arc and CTb. We found increased Arc+CTb in mediodorsal thalamus (MD) and increased Arc+ neurons in OFC when PL was lesioned, suggesting that PL lesions lead to a compensatory increased activation of the MD->OFC circuit. Our results suggest that our devaluation task can model neural compensation between OFC and PL and this compensation may be regulated by MD.