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dc.contributor.author
Ardenghi, Juan Sebastian
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dc.date.available
2023-12-01T15:53:46Z
dc.date.issued
2023-01
dc.identifier.citation
Ardenghi, Juan Sebastian; Modeling amortization systems with vector spaces; Springer; European Physical Journal B - Condensed Matter; 96; 1; 1-2023; 1-12
dc.identifier.issn
1434-6028
dc.identifier.uri
http://hdl.handle.net/11336/219020
dc.description.abstract
Amortization systems are used widely in economy to generate payment schedules to repaid an initial debt with its interest. We present a generalization of these amortization systems by introducing the mathematical formalism of quantum mechanics based on vector spaces. Operators are defined for debt, amortization, interest and periodic payment and their mean values are computed in different orthonormal basis. The vector space of the amortization system will have dimension M, where M is the loan maturity and the vectors will have a SO(M) symmetry, yielding the possibility of rotating the basis of the vector space while preserving the distance among vectors. The results obtained are useful to add degrees of freedom to the usual amortization systems without affecting the interest profits of the lender while also benefitting the borrower who is able to alter the payment schedules. Furthermore, using the tensor product of algebras, we introduce loans entanglement in which two borrowers can correlate the payment schedules without altering the total repaid.
dc.format
application/pdf
dc.language.iso
eng
dc.publisher
Springer
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dc.rights
info:eu-repo/semantics/restrictedAccess
dc.rights.uri
https://creativecommons.org/licenses/by-nc-sa/2.5/ar/
dc.subject
Amortization systems
dc.subject
Hilbert spaces
dc.subject
Superposition
dc.subject
Entanglement
dc.subject.classification
Física de los Materiales Condensados
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dc.subject.classification
Ciencias Físicas
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dc.subject.classification
CIENCIAS NATURALES Y EXACTAS
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dc.title
Modeling amortization systems with vector spaces
dc.type
info:eu-repo/semantics/article
dc.type
info:ar-repo/semantics/artículo
dc.type
info:eu-repo/semantics/publishedVersion
dc.date.updated
2023-11-29T13:22:01Z
dc.journal.volume
96
dc.journal.number
1
dc.journal.pagination
1-12
dc.journal.pais
Alemania
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dc.journal.ciudad
Berlín
dc.description.fil
Fil: Ardenghi, Juan Sebastian. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - Bahía Blanca. Instituto de Física del Sur. Universidad Nacional del Sur. Departamento de Física. Instituto de Física del Sur; Argentina
dc.journal.title
European Physical Journal B - Condensed Matter
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dc.relation.alternativeid
info:eu-repo/semantics/altIdentifier/doi/http://dx.doi.org/10.1140/epjb/s10051-023-00479-1
dc.relation.alternativeid
info:eu-repo/semantics/altIdentifier/url/https://link.springer.com/article/10.1140/epjb/s10051-023-00479-1
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