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Comparison of Supervised Machine Learning Methods for Automated Assessment of Student’s Responses to Dichotomously Scored Items in Financial Literacy Test
P. 1–7.
The article is devoted to comparing methods of automatic checking of dichotomously scored items in the
financial literacy test. Such approaches to natural language processing as "bag-of-words", n-grams (within
word boundaries), n-grams (across the whole response), and the fastText pre-trained embeddings were
analyzed. The logistic regression was used to classify students’ answers. The analysis was conducted on
the data of ninth-graders from one of the Russian regions. As a result, it was concluded that the "bag
of words" is not suitable for automated evaluation of responses, and it is better to utilize the n-grams
method with vectorization over the whole student’s response.
In book
Aachen: CEUR Workshop Proceedings, 2022.
Abduramanov A., Kuzina O. E., Daria V. Moiseeva, Russian Journal of Economics 2026 Vol. 12 No. 2 P. 251–273
This paper assesses the relationship between financial literacy and over-indebtedness of Russian households using panel data from the Survey of Consumer Finances collected in Russia during 2018–2024. Russia is an interesting case: a relatively young consumer-finance market in which a lack of financial literacy may increase the likelihood of household over-indebtedness. To test this hypothesis, ...
Added: June 30, 2026
Ustyuzhanin V., Политическая наука 2026 № 2 С. 259–283
The study of revolutions has long been a topic of interest to sociologists and political scientists. However, only in recent years authors have begun to employ quantitative methods with greater regularity in their analysis of these events. In such studies, the dependent variable, namely revolutions or their characteristics, frequently represent a “rare event”. The most ...
Added: June 1, 2026
Синяков А. А., Зверева В., Шелованова Т. И., / Центральный банк Российской Федерации. Серия 132 / 2024 "Серия докладов об экономических исследованиях". 2024. № 132.
At the end of 2023, Russia updated its Strategy for Improving Financial Literacy and Developing Financial Culture Until 2030. Unlike the previous strategy, the current strategic goals include not only financial literacy but also financial culture. ‘Culture’ is normative and socially preferred behaviour. The updated strategy brings into focus the relationship between financial literacy and responsible financial behaviour. To explore this relationship, the authors rely on data from the All-Russian Survey of Consumer Finance (2020 and 2022). Socially ...
Added: June 1, 2026
Kuzina L., Popov E., Мониторинг общественного мнения: Экономические и социальные перемены 2026 № 2 С. 170–191
The article examines internet users' tactics for verifying false (fake) information and the factors associated with fact-checking. Working within the framework of the theory of prosumerism and everyday tactics (Michel de Certeau), the authors of the study aim at identifying and describing the arsenal of fact-checking tactics used by the Russian internet audience, and to ...
Added: May 16, 2026
Biryukova K., Chelnokova D., Erkenova J. et al., Communications in Computer and Information Science 2024 Vol. 2364 CCIS P. 109 – 121
Added: February 25, 2026
Abduramanov A., Kuzina O. E., Вопросы экономики 2026 № 2 С. 78–100
In Russia, more than half of the population has no savings and that reduces household financial resilience, especially in the face of economic shocks. There is a question whether improving financial literacy can help address this problem. Using the data from four waves of the All-Russian Household Survey on Consumer Finances, a fixed-effects panel regression ...
Added: February 9, 2026
Иноземцев Е. С., Мамонтов Д. С., Островская Е. А. et al., / Банк России. Серия препринты Банка России "Серия докладов об экономических исследованиях". 2026. № 163.
На данных базы Службы по защите прав потребителей и обеспечению доступности финансовых услуг Банка России проверялась гипотеза о значимости влияния финансовой грамотности в регионах на интенсивность обоснованных обращений. В качестве индикаторов финансовой грамотности на региональном уровне использовались три независимых источника: Национальное агентство финансовых исследований (только 2020 г.), Всероссийское обследование домохозяйств по потребительским финансам и онлайн-зачеты Банка России. Данные последних двух источников предварительно обрабатывались для повышения репрезентативности.
Результаты ...
Added: February 5, 2026
Kuzina O. E., Abduramanov A., Мониторинг общественного мнения: Экономические и социальные перемены 2025 № 6(190) С. 71–97
The study aims at assessing the level of financial literacy and financial autonomy among Russian adolescents aged 15–19 and studying in schools, colleges, and universities, and to identify the relationship between their financial autonomy and socio-demographic characteristics. The authors first review existing approaches to defining financial culture and financial autonomy among young people. Then the ...
Added: January 2, 2026
Iuliia Naidenova, Parshakov P., Matkin N., Journal of Content, Community and Communication 2025 Vol. 23 Article 5
This study analyzes the computer mediated text communication of non-professional video game players. The purpose of this study is to identify the impact of player communication toxicity on team performance. The dataset comprises 42,720 matches played between November 5 and November 18, 2015, including game statistics and chat messages. We use a BERT-model to classify ...
Added: December 29, 2025
D.D. Sukhoverkhova, L.N. Shchur, , in: Параллельные вычислительные технологии – XIX всероссийская конференция с международным участием, ПаВТ'2025. Короткие статьи и описания плакатов.: Издательский центр ЮУрГУ, 2025. P. 82–89.
We apply supervised deep machine learning techniques to extract properties of the anisotropic Ising model. We consider two cases of anisotropy: orthogonal and diagonal. From the predictions of the neural network, we obtained phase probability functions, from which we measured two quantities: the critical temperature and the critical exponent of the correlation length. We estimated ...
Added: December 4, 2025
Chepikov I., Karpov I., , in: 26th International Conference, AIED 2025, Palermo, Italy, July 22–26, 2025, Proceedings, Part I. Artificial Intelligence in Education. Posters and Late Breaking Results, Workshops and Tutorials, Industry and Innovation Tracks, Practitioners, Doctoral Consortium, Blue Sky, and WideAIED.: Springer, 2025. P. 352 – 358.
Modern LLM models such as BERT, ChatGPT, DeepSeek have shown great potential in solving various tasks, including text classification, text generation, analysis and summary of documents. In this paper, we show that these models close to classical ML approaches based on decision trees not only in text processing, but also in processing classical tabular data ...
Added: September 4, 2025
Chertenkov V., Shchur L., Physical Review E - Statistical, Nonlinear, and Soft Matter Physics 2025 Vol. 112 No. 3 Article 034104
The main question raised in the article is whether a neural network trained on a spin lattice model in one universality class can be used to test a model in another universality class. The quantities of interest are the critical phase transition temperature and the correlation length exponent. In other words, the question of ...
Added: August 12, 2025
Arkhipova M., Kuchmaeva O., Sirotin V., Вестник Московского университета. Серия 6: Экономика 2025 Т. 60 № 6 С. 307–328
The problem of the remote employment rate in Russia and its determinants is considered. Remote employment is poorly represented in the results of even large-scale sample observations by Russian State Statistical Service, which does not allow using traditional statistical tools for modelling its development potential. The problem can be solved by balancing the data by ...
Added: April 17, 2025
Mohammed Y. A., Denisenko M. B., Мир России: Социология, этнология 2025 Vol. 34 No. 2 P. 166–189
The internationalization of higher education has increased student migration and the possibility of permanent settlement in the host country. The latter phenomenon is associated with student intentions to relocate and the socio-economic development of the host country. Several countries are competing to attract international students whether to train them to return home or to retain ...
Added: April 16, 2025
D. D. Sukhoverkhova, L. N. Shchur, Lobachevskii Journal of Mathematics 2025 Vol. 46 No. 1 P. 528–534
We investigate the possibility of extracting features of second-order phase transitions using transfer machine learning. We have performed supervised machine learning for binary classification of snapshots of the spin distribution of the isotropic Ising model. The binary classification is performed in ferromagnetic and paramagnetic phases using a known critical temperature. The trained network is used ...
Added: January 13, 2025
Моисеева Д. В., Социологический журнал 2024 Т. 30 № 4 С. 104–125
The functioning of social institutions is the basis of social life. The creation of new institutions can take place through the development of formal requirements and classifications at the level of old institutions. The focus of the study the results of which are presented in this paper is examining the process of appropriating newly created rules and classifications at ...
Added: January 11, 2025
Morozov D., Garipov T., Lyashevskaya O. et al., Journal of Language and Education 2024 Vol. 10 No. 4 P. 71–84
Introduction: Numerous algorithms have been proposed for the task of automatic morpheme segmentation of Russian words. Due to the differences in task formulation and datasets utilized, comparing the quality of these algorithms is challenging. It is unclear whether the errors in the models are due to the ineffectiveness of algorithms themselves or to errors and inconsistencies ...
Added: January 7, 2025
Kulakova T., Моисеева М. А., Shulika Y. et al., В кн.: Наука, образование, транспорт: актуальные вопросы, приоритеты, векторы взаимодействия: III Международ. науч.-методич. конф. 06-07 ноября 2024 г. Оренбург.: Оренбург: ОрИПС – филиал ПривГУПС, 2024. С. 570–573.
The study analyzes the factors that influence car ownership levels in Russian households, using data from the Russian Longitudinal Monitoring survey, RLMS-HSE, conducted by National Research University "Higher School of Economics" in 2022. A logistic regression model is applied. Key factors affecting car ownership in Russian households include: income, dacha availability, the number of working-age ...
Added: December 17, 2024
Gladin E., Alkousa M., Gasnikov A., Automation and Remote Control 2021 Vol. 82 P. 1679–1691
The article deals with some approaches to solving convex problems of the min-min type with smoothness and strong convexity in only one of the two groups of variables. It is shown that the proposed approaches based on Vaidya’s method, the fast gradient method, and the accelerated gradient method with variance reduction have linear convergence. It ...
Added: November 29, 2024
Андреев А. В., Лымарь М. С., Шубин И. А. et al., Экономическая политика 2024 Т. 19 № 5 С. 54–83
The Bank of Russia uses monthly InFOM survey data to provide a quick estimate of household inflation expectations. A more complete picture of the interrelationships between inflation expectations and the consumer and financial behavior of individuals can be derived from data in the fifth iteration of the Russian National Household Survey of Consumer Finance (Survey ...
Added: November 5, 2024
Russo M., Pavone P., Meissner D. et al., Quality and Quantity 2025 Vol. 59 No. Suppl 1 P. S343–S367
In OECD countries, Science, Technology and Innovation (STI) policies were seen as key aspects of coping with the Covid-19 pandemic. Now that the pandemic is over, identifying which policy mix portfolios characterised countries in terms of their non-Covid-19 related and Covid-19 specific STI policies fills a knowledge gap on changes in STI policies induced by ...
Added: September 27, 2024
Shchepeleva M., Тусипкалиев К., Столбов М. И., Экономическая наука современной России 2024 № 2(105) С. 101–124
This paper is devoted to modeling the probability of default of Russian banks in 2015–2020. There are relatively few studies on defaults of Russian banks after 2015, and our work intends to partly fill this gap. The purpose of this research is to determine the main variables which significantly impact the risk of default of ...
Added: September 5, 2024
М.: Прометей, 2024.
Сборник включает статьи участников юбилейной, XXV Международной научно-практической конференции, организованной Всероссийским союзом страховщиков и Финансовым университетом при Правительстве РФ. В публикациях рассмотрены: проблемы повышения финансовой грамотности, формирования страховой культуры, место и роль страхования в обеспечении устойчивого развития российской экономики, состояния и перспективы страхового рынка, особенности различных видов страхования в современных условиях, проблемы подготовки специалистов для ...
Added: June 6, 2024