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News
September 17, 2026
'I Wish That People Would Place Greater Trust in Science'
When Tatiana Eremicheva chose Fundamental and Computational Linguistics as her field of study, she thought it would be about learning languages. Instead, she discovered it was about helping people. In this interview for the HSE Young Scientists project, she discusses science as a way of understanding the world, billiards as a team-building activity, and why learning to read is not always as easy as it seems.
September 15, 2026
Immunity to Chaos: How Personal Resources Help Us Cope with the Challenges of a Turbulent World
International conflicts, crises and digital overload—the modern world puts our minds to the test every day. Traditional psychology often focuses on the consequences: anxiety, depression, and psychosomatic disorders. But what if we looked at the problem differently—through the lens of the resources that prevent us from breaking down? Psychological immunity is precisely this set of resources. Alena Zolotareva and her group, Psychological Immunity as a Resource for Positive Functioning, are developing an integrative model of this phenomenon, adapting diagnostic tools and preparing for large-scale empirical research. Why do psychologists need to collaborate with medical professionals, and how could their research transform preventive care in clinics and corporations?
September 11, 2026
How to Assess Students Knowledge in the Age of AI
A researcher at HSE University has proposed a flowchart to help lecturers decide how to assess students who use artificial intelligence. It shows where the use of AI should be restricted and where it can be incorporated into the learning process. The article has been published in IT Professional.

 

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Financial Inclusion in Turkey: Unpacking the Provincial Inequality and its Determinants

Applied Economics Letters. 2022.
Takmaz S., Sarı E., Sedat Alataş

This paper investigates the regional disparity of financial inclusion (FI) and its determinants in
Turkey from 2004 to 2020. To this end, we first construct a FI index using the principal
component analysis. Then, based on the club convergence approach, we test the existence of
convergence to show regional disparities in FI. Finally, we examine the main determinants of
provincial disparity using ordered logit models. The convergence results strongly reject the
full-panel convergence, indicating a regional disparity in FI. Furthermore, our analyses reveal
that financial inclusion positively correlates with population, income, and income inequality,
while unemployment hinders inclusion.

Research target: Economics and Management
Language: English
DOI
Keywords: principal component analysisTurkeyfinancial inclusionClub convergenceregional inequality
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