David B. Humphrey
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View article: Quality Assessment of Generative Artificial Intelligence Psychotherapy Chatbots Used by Youth
Quality Assessment of Generative Artificial Intelligence Psychotherapy Chatbots Used by Youth Open
Objective: To comprehensively evaluate and compare the quality of widely used Generative artificial intelligence (GenAI) chatbots with psychotherapeutic capabilities. Design, Setting, Participants: In this cross-sectional study, trained ra…
View article: Measurement and Use of Cash by Half the World’s Population
Measurement and Use of Cash by Half the World’s Population Open
The use of cash for payments is not well measured.We view the value of cash withdrawn from ATMs, or as a share of all payments, as a more accurate and timely measure of cash use compared to the standard measure of currency in circulation, …
View article: Instant Payments: Regulatory Innovation and Payment Substitution Across Countries
Instant Payments: Regulatory Innovation and Payment Substitution Across Countries Open
Instant, or fast, payments are credit transfers completed and settled within seconds or minutes.They have low costs, reduce payment risk, and have significantly replaced the use of cash, cards, or check and direct debit payments.We note th…
View article: Falling Use of Cash and Demand for Retail Central Bank Digital Currency
Falling Use of Cash and Demand for Retail Central Bank Digital Currency Open
Cash use in most countries is falling slowly.On the margin, younger adults favor cash substitutes over cash.For older adults it is the reverse.Revealed preference tied to a changing population age structure seems to be the main influence o…
View article: Mechanism of Chromophore Assisted Laser Inactivation Employing Fluorescent Proteins
Mechanism of Chromophore Assisted Laser Inactivation Employing Fluorescent Proteins Open
Chromophore Assisted Laser Inactivation (CALI) is a technique that uses irradiation of chromophores proximate to a target protein to inactivate function. Previously, EGFP mediated CALI has been used to inactivate EGFP-fusion proteins in a …
View article: Cash Use Across Countries and the Demand for Central Bank Digital Currency
Cash Use Across Countries and the Demand for Central Bank Digital Currency Open
The level and trend in cash use in a country will influence the demand for central bank digital currency (CBDC).While access to digital currency will be more convenient than traveling to an ATM, it only makes CBDC like a bank debit card-no…
View article: Cash use across countries and the demand for central bank digital currency
Cash use across countries and the demand for central bank digital currency Open
The level and trend in cash use in a country will influence the demand for central bank digital currency (CBDC). While access to digital currency will be more convenient than traveling to an ATM, it only makes CBDC like a bank debit card—n…