paper.bib

@misc{ref_RDCL2019,
    author={Clausner, Christian},
    title={RDCL2019 Competition Dataset (Recognition of Documents with Complex Layouts)},
    url={https://tc11.cvc.uab.es/datasets/RDCL2019_1},
    year={2019}
}

@misc{ref_tobacco800,
    title={Tobacco 800 Dataset},
    author={Doermann, David},
    url={https://tc11.cvc.uab.es/datasets/Tobacco800_1}
}

% NoisyOffice dataset
@article{ref_NoisyOffice,
    author = {Castro-Bleda, M. J. and España-Boquera, S. and Pastor-Pellicer, J. and Zamora-Martínez, F.},
    title = "{The NoisyOffice Database: A Corpus to Train Supervised Machine Learning Filters for Image Processing}",
    journal = {The Computer Journal},
    volume = {63},
    number = {11},
    pages = {1658-1667},
    year = {2019},
    month = {11},
    issn = {0010-4620},
    doi = {10.1093/comjnl/bxz098},
    url = {https://doi.org/10.1093/comjnl/bxz098},
    eprint = {https://academic.oup.com/comjnl/article-pdf/63/11/1658/34314962/bxz098.pdf},
}

@inproceedings{ref_NoisyOfficeDatabase,
    author={Zamora-Mart\'{i}nez, F. and Espa\~{n}a-Boquera, S. and Castro-Bleda, M.J.},
    title={Behaviour-Based Clustering of Neural Networks Applied to Document Enhancement},
    year={2007},
    url={https://link.springer.com/chapter/10.1007/978-3-540-73007-1_18},
    booktitle={Computational and Ambient Intelligence}
}

@inproceedings{ref_icdar,
    title={ICDAR 2019 CROHME + TFD: Competition on Recognition of Handwritten Mathematical Expressions and Typeset Formula Detection},
    author={Mahdavi, Mahshad and Zanibbi, Richard and Mouchere, Harold and Viard-Gaudin, Christian and Garain, Utpal},
    year={2019},
    booktitle={International Conference on Document Analysis and Recognition (ICDAR)},
    url={https://tc11.cvc.uab.es/datasets/ICDAR2019-CROHME-TDF_1}
}

@misc{ref_UCIMLR,
author = "Dua, Dheeru and Graff, Casey",
year = "2017",
title = "{UCI} Machine Learning Repository",
url = "http://archive.ics.uci.edu/ml",
institution = "University of California, Irvine, School of Information and Computer Sciences"
}

% DocCreator
@article{ref_DocCreator,
AUTHOR = {Journet, Nicholas and Visani, Muriel and Mansencal, Boris and Van-Cuong, Kieu and Billy, Antoine},
TITLE = {DocCreator: A New Software for Creating Synthetic Ground-Truthed Document Images},
JOURNAL = {Journal of Imaging},
VOLUME = {3},
YEAR = {2017},
NUMBER = {4},
ARTICLE-NUMBER = {62},
URL = {https://www.mdpi.com/2313-433X/3/4/62},
ISSN = {2313-433X},
DOI = {10.3390/jimaging3040062}
}

% albumentations
@Article{ref_albumentations,
AUTHOR = {Buslaev, Alexander and Iglovikov, Vladimir I. and Khvedchenya, Eugene and Parinov, Alex and Druzhinin, Mikhail and Kalinin, Alexandr A.},
TITLE = {Albumentations: Fast and Flexible Image Augmentations},
JOURNAL = {Information},
VOLUME = {11},
YEAR = {2020},
NUMBER = {2},
ARTICLE-NUMBER = {125},
URL = {https://www.mdpi.com/2078-2489/11/2/125},
ISSN = {2078-2489},
DOI = {10.3390/info11020125}
}

% imgaug
@misc{ref_imgaug,
  author = {Jung, Alexander B.
	    and Wada, Kentaro
	    and Crall, Jon
	    and Tanaka, Satoshi
	    and Graving, Jake
	    and Reinders, Christoph
	    and Yadav, Sarthak
	    and Banerjee, Joy
	    and Vecsei, Gábor
	    and Kraft, Adam
	    and Rui, Zheng
	    and Borovec, Jirka
	    and Vallentin, Christian
	    and Zhydenko, Semen
	    and Pfeiffer, Kilian
	    and Cook, Ben
	    and Fernández, Ismael
	    and De Rainville, François-Michel
	    and Weng, Chi-Hung
	    and Ayala-Acevedo, Abner
	    and Meudec, Raphael
	    and Laporte, Matias
	    and others},
  title = {{imgaug}},
  howpublished = {\url{https://github.com/aleju/imgaug}},
  year = {2020},
  note = {Online; accessed 01-Feb-2020}
}


% RVL-CDIP
@inproceedings{harley2015icdar-rvlcdip,
    title = {Evaluation of Deep Convolutional Nets for Document Image Classification and Retrieval},
    author={Harley, Adam W. and Ufkes, Alex and Derpanis, Konstantinos G.},
    booktitle = {International Conference on Document Analysis and Recognition ({ICDAR})},
    year = {2015}
}

% FUNSD
@inproceedings{jaume2019-funsd,
    title = {FUNSD: A Dataset for Form Understanding in Noisy Scanned Documents},
    author={Jaume, Guillaume and Ekenel, Hazim Kemal and Thiran, Jean-Philippe},
    booktitle = {Accepted to ICDAR-OST},
    year = {2019}
}

@ARTICLE{Rotman2022-hh,
  title         = "Detection masking for improved {OCR} on noisy documents",
  author        = "Rotman, Daniel and Azulai, Ophir and Shapira, Inbar and
		   Burshtein, Yevgeny and Barzelay, Udi",
  year          =  2022,
  copyright     = "http://arxiv.org/licenses/nonexclusive-distrib/1.0/",
  archivePrefix = "arXiv",
  primaryClass  = "cs.CV",
  eprint        = "2205.08257",
  journal       = "arXiv preprint arXiv:2205.08257"
}

@book{ogorman-document-image-analysis,
  title     = "Document Image Analysis",
  author    = "O'Gorman, Lawrence and Kasturi, Rangachar",
  year      = 1997,
  publisher = "IEEE Computer Society"
}

@book{character-recognition-systems,
  title     = "Character Recognition Systems: A Guide for Students and Practitioners",
  author    = "Cheriet, Mohamed and Kharma, Nawwaf and Liu, Cheng-Lin and Suen, Ching Y.",
  year      = 2007,
  publisher = "Wiley"
}

@INPROCEEDINGS{patch-based-document-denoising,
    author={Mohamed, Shaimaa S. A. and Rashwan, Mohsen A. A. and Abdou, Sherif M. and Al-Barhamtoshy, Hassanin M.},
    booktitle={2018 International Japan-Africa Conference on Electronics, Communications and Computations (JAC-ECC)},
    title={Patch-Based Document Denoising},
    year={2018}
}

@INPROCEEDINGS{blind-denoising-iccv-2021,  author={Gangeh, Mehrdad J and Plata, Marcin and Motahari Nezhad, Hamid R and Duffy, Nigel P},  booktitle={2021 IEEE/CVF International Conference on Computer Vision (ICCV)},   title={End-to-End Unsupervised Document Image Blind Denoising},   year={2021},  volume={},  number={},  pages={7868-7877},  doi={10.1109/ICCV48922.2021.00779}}

@article{Mustafa_2018-wan,
    doi = {10.1088/1742-6596/1019/1/012022},
    url = {https://doi.org/10.1088/1742-6596/1019/1/012022},
    year = 2018,
    month = {jun},
    publisher = {{IOP} Publishing},
    volume = {1019},
    pages = {012022},
    author = {Wan Azani Mustafa and Mohamed Mydin M. Abdul Kader},
    title = {Binarization of Document Image Using Optimum Threshold Modification},
    journal = {Journal of Physics: Conference Series}
}

@InProceedings{kulkarni-2020,
author="Kulkarni, Mohit
and Kakad, Shivam
and Mehra, Rahul
and Mehta, Bhavya",
editor="Swain, Debabala
and Pattnaik, Prasant Kumar
and Gupta, Pradeep K.",
title="Denoising Documents Using Image Processing for Digital Restoration",
booktitle="Machine Learning and Information Processing",
year="2020",
publisher="Springer Singapore",
address="Singapore",
pages="287--295",
isbn="978-981-15-1884-3"}

% augly
@ARTICLE{Papakipos2022-gq-augly,
  author = {Papakipos, Zo\:{e} and Bitton, Joanna},
  title         = "{AugLy}: Data Augmentations for Robustness",
  year          =  2022,
  copyright     = "http://creativecommons.org/licenses/by/4.0/",
  archivePrefix = "arXiv",
  primaryClass  = "cs.AI",
  eprint        = "2201.06494",
  journal       = "arXiv preprint arXiv:2201:06494"
}

% augmentor
@article{augmentor,
    author = {Bloice, Marcus D and Roth, Peter M and Holzinger, Andreas},
    title = "{Biomedical image augmentation using Augmentor}",
    journal = {Bioinformatics},
    volume = {35},
    number = {21},
    pages = {4522-4524},
    year = {2019},
    month = {04},
    issn = {1367-4803},
    doi = {10.1093/bioinformatics/btz259},
    url = {https://doi.org/10.1093/bioinformatics/btz259},
    eprint = {https://academic.oup.com/bioinformatics/article-pdf/35/21/4522/30330763/btz259.pdf}
}

% pytorch
@incollection{ref_pytorch,
title = {PyTorch: An Imperative Style, High-Performance Deep Learning Library},
author = {Paszke, Adam and Gross, Sam and Massa, Francisco and Lerer, Adam and Bradbury, James and Chanan, Gregory and Killeen, Trevor and Lin, Zeming and Gimelshein, Natalia and Antiga, Luca and Desmaison, Alban and Kopf, Andreas and Yang, Edward and DeVito, Zachary and Raison, Martin and Tejani, Alykhan and Chilamkurthy, Sasank and Steiner, Benoit and Fang, Lu and Bai, Junjie and Chintala, Soumith},
booktitle = {Advances in Neural Information Processing Systems 32},
pages = {8024--8035},
year = {2019},
publisher = {Curran Associates, Inc.},
url = {http://papers.neurips.cc/paper/9015-pytorch-an-imperative-style-high-performance-deep-learning-library.pdf}
}

@Article{        ref_numpy,
 title         = {Array programming with {NumPy}},
 author        = {Charles R. Harris and K. Jarrod Millman and St{\'{e}}fan J.
		 van der Walt and Ralf Gommers and Pauli Virtanen and David
		 Cournapeau and Eric Wieser and Julian Taylor and Sebastian
		 Berg and Nathaniel J. Smith and Robert Kern and Matti Picus
		 and Stephan Hoyer and Marten H. van Kerkwijk and Matthew
		 Brett and Allan Haldane and Jaime Fern{\'{a}}ndez del
		 R{\'{i}}o and Mark Wiebe and Pearu Peterson and Pierre
		 G{\'{e}}rard-Marchant and Kevin Sheppard and Tyler Reddy and
		 Warren Weckesser and Hameer Abbasi and Christoph Gohlke and
		 Travis E. Oliphant},
 year          = {2020},
 month         = sep,
 journal       = {Nature},
 volume        = {585},
 number        = {7825},
 pages         = {357--362},
 doi           = {10.1038/s41586-020-2649-2},
 publisher     = {Springer Science and Business Media {LLC}},
 url           = {https://doi.org/10.1038/s41586-020-2649-2}
}


@inproceedings{wei-zou-2019-eda,
    title = "{EDA}: Easy Data Augmentation Techniques for Boosting Performance on Text Classification Tasks",
    author = "Wei, Jason  and
      Zou, Kai",
    booktitle = "Proceedings of the 2019 Conference on Empirical Methods in Natural Language Processing and the 9th International Joint Conference on Natural Language Processing (EMNLP-IJCNLP)",
    month = nov,
    year = "2019",
    address = "Hong Kong, China",
    publisher = "Association for Computational Linguistics",
    url = "https://aclanthology.org/D19-1670",
    doi = "10.18653/v1/D19-1670",
    pages = "6382--6388"
}

% survey for data augmentation in NLP
@inproceedings{feng-etal-2021-survey,
    title = "A Survey of Data Augmentation Approaches for {NLP}",
    author = "Feng, Steven Y.  and
      Gangal, Varun  and
      Wei, Jason  and
      Chandar, Sarath  and
      Vosoughi, Soroush  and
      Mitamura, Teruko  and
      Hovy, Eduard",
    booktitle = "Findings of the Association for Computational Linguistics: ACL-IJCNLP 2021",
    month = aug,
    year = "2021",
    address = "Online",
    publisher = "Association for Computational Linguistics",
    url = "https://aclanthology.org/2021.findings-acl.84",
    doi = "10.18653/v1/2021.findings-acl.84",
    pages = "968--988"
}

% machine translation
@inproceedings{fadaee-etal-2017-data,
    title = "Data Augmentation for Low-Resource Neural Machine Translation",
    author = "Fadaee, Marzieh  and
      Bisazza, Arianna  and
      Monz, Christof",
    booktitle = "Proceedings of the 55th Annual Meeting of the Association for Computational Linguistics (Volume 2: Short Papers)",
    month = jul,
    year = "2017",
    address = "Vancouver, Canada",
    publisher = "Association for Computational Linguistics",
    url = "https://aclanthology.org/P17-2090",
    doi = "10.18653/v1/P17-2090",
    pages = "567--573"
}

@inproceedings{audio-framework,
title = "A software framework for musical data augmentation",
author = "Brian McFee and Humphrey, {Eric J.} and Bello, {Juan P.}",
year = "2015",
language = "English (US)",
series = "Proceedings of the 16th International Society for Music Information Retrieval Conference, ISMIR 2015",
publisher = "International Society for Music Information Retrieval",
pages = "248--254",
editor = "Meinard Muller and Frans Wiering",
booktitle = "Proceedings of the 16th International Society for Music Information Retrieval Conference, ISMIR 2015"
}

% speech recognition
@inproceedings{ko15_interspeech,
  author={Tom Ko and Vijayaditya Peddinti and Daniel Povey and Sanjeev Khudanpur},
  title={{Audio augmentation for speech recognition}},
  year=2015,
  booktitle={Proc. Interspeech 2015},
  pages={3586--3589},
  doi={10.21437/Interspeech.2015-711}
}

@article{audiogmenter,
    author={Maguolo, G. and Paci, M. and Nanni, L. and Bonan, L.},
    title={Audiogmenter: a MATLAB toolbox for audio data augmentation},
    year={2021},
    journal={Applied Computing and Informatics}
}

@ARTICLE{Hosseini2017-kn-google-api,
  title         = "Google's Cloud Vision {API} is not robust to noise",
  author        = "Hosseini, Hossein and Xiao, Baicen and Poovendran, Radha",
  year          =  2017,
  copyright     = "http://arxiv.org/licenses/nonexclusive-distrib/1.0/",
  archivePrefix = "arXiv",
  primaryClass  = "cs.CV",
  eprint        = "1704.05051",
  journal = "arXiv preprint arXiv:1704:05051"
}

@ARTICLE{Vasiljevic2016-al-bluring-impact,
  title         = "Examining the impact of blur on recognition by convolutional
		   networks",
  author        = "Vasiljevic, Igor and Chakrabarti, Ayan and Shakhnarovich,
		   Gregory",
  year          =  2016,
  copyright     = "http://arxiv.org/licenses/nonexclusive-distrib/1.0/",
  archivePrefix = "arXiv",
  primaryClass  = "cs.CV",
  eprint        = "1611.05760",
  journal       = "arXiv preprint arXiv:1611.05760"
}

@INPROCEEDINGS{face-recognition-impact,  author={Karahan, Samil and Kilinc Yildirum, Merve and Kirtac, Kadir and Rende, Ferhat Sukru and Butun, Gultekin and Ekenel, Hazim Kemal},  booktitle={2016 International Conference of the Biometrics Special Interest Group (BIOSIG)},   title={How Image Degradations Affect Deep CNN-Based Face Recognition?},   year={2016},  volume={},  number={},  pages={1-5},  doi={10.1109/BIOSIG.2016.7736924}}

@INPROCEEDINGS{image-quality-impact,  author={Dodge, Samuel and Karam, Lina},  booktitle={2016 Eighth International Conference on Quality of Multimedia Experience (QoMEX)},   title={Understanding how image quality affects deep neural networks},   year={2016},  volume={},  number={},  pages={1-6},  doi={10.1109/QoMEX.2016.7498955}}

% imagenet-c
@inproceedings{imagenet-c,
    title = {Benchmarking Neural Network Robustness to Common Corruptions and Perturbations},
    author = {Hendrycks, Dan and Dietterich, Thomas},
    booktitle = {International Conference on Learning Representations (ICLR)},
    year = {2019}
}

@article {pathology-schomig,
    Title = {Quality control stress test for deep learning-based diagnostic model in digital pathology},
    Author = {Schömig-Markiefka, Birgid and Pryalukhin, Alexey and Hulla, Wolfgang and Bychkov, Andrey and Fukuoka, Junya and Madabhushi, Anant and Achter, Viktor and Nieroda, Lech and Büttner, Reinhard and Quaas, Alexander and Tolkach, Yuri},
    DOI = {10.1038/s41379-021-00859-x},
    Number = {12},
    Volume = {34},
    Month = {December},
    Year = {2021},
    Journal = {Modern pathology : an official journal of the United States and Canadian Academy of Pathology, Inc},
    ISSN = {0893-3952},
    Pages = {2098L = {https://europepmc.org/articles/PMC8592835}
}}

@article{pathology-recommendations,
    title={Recommendations on test datasets for evaluating AI solutions in pathology},
    author={Homeyer, Andr\'{e} and Gei{\ss}ler, Christian and Schwen, Lars Ole and Zakrzewski, Falk and Evans, Theodore and Strohmenger, Klaus and Westphal, Max and B\"{u}low, David and Kargl, Michaela and Karjauv, Aray and Munn\'{e}-Bertran, Isidre and Retzlaff, Carl Orge and Romero-L\'{o}pez, Adri\`{a} and So{\l}tysi\'{n}ski, Tomasz and Plass, Markus and Carvalho, Rita and Steinbach, Peter and Lan, Yu-Chia and Bouteldja, Nassim and Haber, David and Rojas-Carulla, Mateo and Sadr, Alireza Vafaei and Kraft, Matthias and Kr\"{u}ger, Daniel and Tick, Rutger and Lang, Tobias and Boor, Peter and M\"{u}ller, Heimo and Hufnagl, Peter and Zerbe, Norman},
    journal={arXiv preprint arXiv:2204.14226},
    year={2022},
    url={https://arxiv.org/pdf/2204.14226.pdf}
}

@inproceedings{saifullah-2022,
title={Are Deep Models Robust against Real Distortions? A Case Study on Document Image Classification},
year={2022},
author={Saifullah and Siddiqui, Shoaib Ahmed and Agne, Stefan and Dengel, Andreas and Ahmed, Sheraz},
booktitle={Proceedings of the 26th International Conference on Pattern Recognition (ICPR)},
url={https://www.computer.org/csdl/proceedings-article/icpr/2022/09956167/1IHoLM9J3gI}
}

% FDDB
@TechReport{fddbTech,
  author = {Vidit Jain and Erik Learned-Miller},
  title =  {{FDDB}: A Benchmark for Face Detection in Unconstrained Settings},
  institution =  {University of Massachusetts, Amherst},
  year = {2010},
  number = {UM-CS-2010-009}
}

@article{ref_nafnet,
  title={Simple Baselines for Image Restoration},
  author={Chen, Liangyu and Chu, Xiaojie and Zhang, Xiangyu and Sun, Jian},
  journal={arXiv preprint arXiv:2204.04676},
  year={2022}
}

@inproceedings{ref_tesseract,
  title={An overview of the Tesseract OCR engine},
  author={Smith, Ray},
  booktitle={Ninth international conference on document analysis and recognition (ICDAR 2007)},
  volume={2},
  pages={629--633},
  year={2007},
  organization={IEEE}
}

@inproceedings{larson-2022-rvlcdip-ood,
title={Evaluating Out-of-Distribution Performance on Document Image Classifiers},
author={Larson, Stefan and Lim, Gordon and Ai, Yutong and Kuang, David and Leach, Kevin},
year={2022},
booktitle={Proceedings of the Thirty-sixth Conference on Neural Information Processing Systems Datasets and Benchmarks Track},
url={https://openreview.net/pdf?id=uDlkiCI5N7Y}
}

@inproceedings{jadhav2022pix2pix,
  title={Pix2Pix Generative Adversarial Network with ResNet for Document Image Denoising},
  author={Jadhav, Pranjal and Sawal, Mayuree and Zagade, Anushka and Kamble, Prerna and Deshpande, Prajakta},
  booktitle={2022 4th International Conference on Inventive Research in Computing Applications (ICIRCA)},
  year={2022}
}

@article{webvicob-2022-naver,
    title={Technical Report on Web-based Visual Corpus Construction for Visual Document Understanding},
    author={Kim, Donghyun and Hong, Teakgyu and Yim, Moonbin and Kim, Yoonsik and Kim, Geewook},
    journal={arXiv preprint arXiv:2211.03256},
    url={https://arxiv.org/pdf/2211.03256.pdf},
    year={2022}
}

<<<<<<< HEAD
@article{ref_tvt2040,
  author    = {Yun{-}Hao Cao and
	       Hao Yu and
	       Jianxin Wu},
  title     = {Training Vision Transformers with Only 2040 Images},
  journal   = {CoRR},
  volume    = {abs/2201.10728},
  year      = {2022},
  url       = {https://arxiv.org/abs/2201.10728},
  eprinttype = {arXiv},
  eprint    = {2201.10728},
  timestamp = {Mon, 10 Oct 2022 17:45:44 +0200},
  biburl    = {https://dblp.org/rec/journals/corr/abs-2201-10728.bib},
  bibsource = {dblp computer science bibliography, https://dblp.org}
}

@misc{ref_vtssds,
  doi = {10.48550/ARXIV.2112.13492},
  url = {https://arxiv.org/abs/2112.13492},
  author = {Lee, Seung Hoon and Lee, Seunghyun and Song, Byung Cheol},
  keywords = {Computer Vision and Pattern Recognition (cs.CV), FOS: Computer and information sciences, FOS: Computer and information sciences},
  title = {Vision Transformer for Small-Size Datasets},
  publisher = {arXiv},
  year = {2021},
  copyright = {arXiv.org perpetual, non-exclusive license}
}

@article{midv-500,
    title={MIDV-500: A dataset for indentity document analysis and recognition on mobile devices in video stream},
    author={Arlazarov, V.V. and Bulatov, K. and Chernov, T. and Arlazarov, V.L.},
    year={2019},
    url={https://arxiv.org/ftp/arxiv/papers/1807/1807.05786.pdf},
    journal={Computer Optics},
    volume={43},
    number={5}
}

@inproceedings{newspaper-navigator,
    author = {Lee, Benjamin Charles Germain and Mears, Jaime and Jakeway, Eileen and Ferriter, Meghan and Adams, Chris and Yarasavage, Nathan and Thomas, Deborah and Zwaard, Kate and Weld, Daniel S.},
    title = {The Newspaper Navigator Dataset: Extracting Headlines and Visual Content from 16 Million Historic Newspaper Pages in Chronicling America},
    year = {2020},
    url = {https://doi.org/10.1145/3340531.3412767},
    booktitle = {Proceedings of the 29th ACM International Conference on Information \& Knowledge Management (CIKM)}
}

@misc{ref_ShabbyPages,
  author = {The Augraphy Project},
  title = {ShabbyPages Dataset},
  year = {2022},
  url = {https://github.com/sparkfish/shabby-pages}
}

@article{menachemi2011benefits,
  title={Benefits and drawbacks of electronic health record systems},
  author={Menachemi, Nir and Collum, Taleah H},
  journal={Risk Management and Healthcare Policy},
  volume={4},
  pages={47--55},
  year={2011}
}

@article{staudt2015access,
  title={Access to justice and technology clinics: A 4\% solution},
  author={Staudt, Ronald W and Medeiros, Andrew P},
  journal={Chicago-Kent Law Review},
  volume={88},
  number={3},
  pages={695--728},
  year={2015}
}

@book{chuen2017handbook,
  title={Handbook of Blockchain, Digital Finance, and Inclusion: Cryptocurrency, FinTech, InsurTech, Regulation, ChinaTech, Mobile Security, and Distributed Ledger},
  author={Chuen, David LEE Kuo and Deng, Robert H},
  publisher={Academic Press},
  year={2017}
}

@article{albano2018role,
  title={The role of digitalization in public service provision: Evidence and implications for the efficiency of local government services},
  author={Albano, Gian Luigi and Sparro, Marco},
  journal={Local Government Studies},
  volume={44},
  number={5},
  pages={613--636},
  year={2018}
}

@article{alkhezzi2020factors,
  title={Factors influencing the implementation of learning management systems in higher education: A case study},
  author={Alkhezzi, Fahad and Alsabawy, Ahmed Y},
  journal={Education and Information Technologies},
  volume={25},
  number={4},
  pages={2827--2845},
  year={2020}
}

@article{gatzert2016impact,
  title={The impact of various digitalization aspects on insurance value: An enterprise risk management approach},
  author={Gatzert, Nadine and Schmeiser, Hato},
  journal={The Geneva Papers on Risk and Insurance-Issues and Practice},
  volume={41},
  number={3},
  pages={385--405},
  year={2016}
}