Biodiversity is threatened by a wide range of anthropogenic activities. Monitoring offers critical insights into how and why biodiversity is changing, helping to identify effective measures for maintaining biodiversity and its ecosystem services. However, conventional biodiversity monitoring methods are labor-intensive, and standardized long-term monitoring series are scarce. DNA-based approaches like metabarcoding environmental DNA (eDNA) promise rapid, cost-efficient, and highly resolved community data. At the same time, scientists are looking for alternative data sources that can compensate for the lack of long-term monitoring data to study past biodiversity changes. This work explores the potential of the German Environmental Specimen Bank (ESB), a pollution monitoring archive, which appears particularly promising for retrospective biodiversity monitoring. Biota samples from different ecosystems across the country are collected and archived at an exceptional level of standardization. Sampling species act as natural eDNA samplers, accumulating genetic traces from surrounding organisms. The cryogenic storage at the ESB preserves any eDNA in the samples in its original state. In this thesis, Chapter I serves as an introductory chapter, outlining the general chances and challenges of metabarcoding for assessing biodiversity. Chapter II focuses on primer design and testing the utility of ESB sampling species like mussels and macroalgae for characterizing the surrounding community. Both chapters form the basis for Chapters III to V, which report the use of ESB time series to uncover sample-associated communities and the changes they undergo. Chapter III illustrates the value of these time series by revealing the invasion trajectory of an alien barnacle into German coastal waters and linking the process to climate change. Chapter IV forms the core of this thesis by presenting an expanded measurement of biodiversity change in ESB time series across different taxonomic groups and ecosystem types. Here, a gradual compositional change (turnover) is reported from bacterial, fungal, microeukaryotic, and metazoan communities tending to either spatial homogenization or differentiation. Observed trends are tested for significance using a dynamic model of community ecology based on the equilibrium theory of island biogeography. The model reveals significantly accelerated turnover rates across all taxonomic groups and ecosystems investigated, suggesting a common, anthropogenically induced driver of biodiversity change. Since these analyses most likely include DNA derived from dead as well as from living organisms, Chapter V aims to separate both groups by metabarcoding both DNA and less stable ribosomal RNA from mussel samples. Contrary to the hypothesis, RNA is detectable from both living endobionts and dietary taxa. However, it outcompetes DNA in detecting microeukaryotic biodiversity. In summary, this thesis demonstrates the outstanding potential of archived ESB samples for retrospective biodiversity monitoring, a resource that offers many further untapped opportunities for future biodiversity research at multiple scales.

Social virtual environments allow their users to meet and collaborate in a shared three-dimensional space, even when far apart from each other in the real world. Within these spaces, the appearance and interaction capabilities of both users and environments can be adapted and changed in a myriad of ways. To enable virtual environments to fulfill their potential of supporting a wide variety of collaboration use-cases, both the impacts of basic interaction design decisions and the individual needs of specific usage areas need to be explored further. This thesis approaches this topic in two ways. First, the basic building blocks of collaboration in social virtual environments are explored by asking the question: "How can social virtual spaces that allow interaction beyond real-world constraints utilize the potential of mutual assistance and shared workflows between multiple users?". Going into further detail for a serious use-case in which direct collaborative interactions and their effect on the included users are especially important, it then explores the potential of collaborative virtual spaces in the therapy domain by asking "How can the potential of social virtual spaces be utilized to support and improve therapy encounters?" With regards to the first research question, the thesis presents two theoretical frameworks detailing different aspects of supporting smooth and varied collaboration processes. In addition, several user studies on the topic of collaborative virtual interaction are described, focusing on the role that different users can play during shared interaction and the effects that this distribution of roles and responsibilities has on both the performance and experience of the involved user pairs. The results presented for this first research question show that social virtual spaces have the potential to provide dedicated support for collaborative workflows. To enable users to adapt their working mode individually and as a team, interaction techniques should complement a team's natural interaction and communication. When presenting novel interactions to users, providing them with a way to support each other can ease their adaptation to these interactions. In these cases, the inclusion of all interested collaborators as active participators should be prioritized in order to let all users benefit from being immersed in a virtual environment. Addressing the combination of social virtual spaces with therapy in relation to the second research question, this thesis presents the result of a series of interviews with practicing physio- and psychotherapists. Motivated by the recorded expert feedback, it also reports on two more detailed explorations of specific areas of interest. The work presented for the second research question demonstrated the promise of using virtual environments in both exercise- and conversation-based therapy practice. Investigating the potential of shared interactions, the exploration of virtual recordings and the adaptation of virtual appearances, the presented work uncovered several topic areas that could be further explored regarding their possible use in the treatment of patients. Taken together, the six research articles presented in this thesis show both the value of supporting and understanding shared interactions in virtual spaces and their potential place in serious use-cases like the therapy domain. When introducing shared virtual environments to new user groups, the opportunity for mutual support through shared interaction techniques could be a crucial building block towards making virtual spaces both accessible and attractive to a variety of users.

The new millennium has been characterized by rising digitalization, the proliferation of shadow banking, and significant advancements in machine learning and natural language processing. These trends present both challenges and opportunities, which my dissertation addresses. This cumulative dissertation investigates critical aspects of financial stability, monetary policy, and the transition towards cashless economies through three distinct but interrelated studies. The first paper examines the risk-taking channel of monetary policy transmission within the euro area, focusing on shadow banks. Through vector autoregressive models, it assesses the impact of conventional and unconventional monetary policy shocks on shadow banks' asset growth and risk asset ratios. The results indicate that lower interest rates lead to a portfolio reallocation towards riskier assets and a general expansion of assets in shadow banks. In the case of conventional monetary policy shocks, both effects last three times as long as in the case of unconventional monetary policy shocks. Country-specific as well as sector-specific estimations confirm these findings. This study bridges gaps in the existing literature, especially in the eurozone, by highlighting the significant role shadow banks play in monetary policy transmission, suggesting implications for financial regulation and stability. The second paper explores the influence of financial stability considerations on US monetary policy, particularly during the Great Recession. Utilizing natural language processing and machine learning techniques on congressional hearings, this study constructs indicators for financial stability sentiment expressed by the Federal Reserve Chairs. Empirical analysis is conducted using Taylor-rule models, revealing that negative financial stability sentiment is associated with a more accommodative monetary policy stance, even before the Great Recession. This work provides new insights into the integration of financial stability concerns into monetary policy frameworks, demonstrating the need for a balanced approach to economic stability. The article suggests that under a dual mandate, such as that of the Federal Reserve, financial stability can, to some extent, already be factored into monetary policy deliberations. The third paper sheds new light on ``cash paradox'' by uncovering the factors of the cashless transition that has not been entirely understood so far. Using a comprehensive dataset across 65 countries, the study employs panel data models to explain the paradox (increasing demand for central bank money despite soaring digitalization), especially among technologically advanced countries, e.g., Japan. Empirical evidence suggests that digitalization is not significantly associated with higher reliance on physical cash. It uncovers a unique non-linear relationship between trust and cash usage (``Arch of Trust'') which holds after addressing potential endogeneity issues using 2SLS estimation. Opposed to the widespread misinterpretations of Keynes' (1937) reasons for holding cash, the findings highlight that distrust is the key factor unlocking two distinct puzzles in economics, linking cash hoarding with ``missing'' funds on capital markets and slower shift toward digital payments in low-trust societies. A key insight is the role of trust as a (social) insurance, cushion or safety net, dampening the perception of risk and reducing precautionary and transactionary demand for physical cash, while encouraging a shift towards riskier alternatives. This, in turn, is connected to the third puzzle, the ``paradox of prudence.'' A shift from riskier investments to safer assets, cash, may be prudent at the individual level but risky for the overall economy, a concern for macroprudential policymakers. Additionally, the research highlights the critical role of culture in driving the global movement towards cashless economies. Moreover, cultures that are more self-expression-oriented (which is the main cultural dimension) and culturally closer to Sweden are associated with less cash-intensive economies. These insights are vital for macroprudential regulators as well as for policymakers designing payment systems and CBDC in culturally diverse regions like the Eurozone. Collectively, these papers contribute to a deeper understanding of monetary policy, financial stability, and the transition from cash-based to (nearly) cashless societies, offering significant theoretical and practical implications for academics, regulators and central bankers.

The present study investigates the prosody of information-seeking (ISQs) and rhetorical questions (RQs) in Standard Chinese, in polar and wh-questions. Like in other languages, ISQs and RQs in Standard Chinese can have the same surface structure, allowing for a direct prosodic comparison between illocution types (ISQ vs RQ). Since Standard Chinese has lexical tone, the use of f0 as a cue to illocution type may be restricted. We investigate the prosodic differences between ISQs and RQs as well as the interplay of prosodic cues to RQs. In terms of f0, results showed that RQs were lower in f0, with the f0 range on the first word being expanded followed by f0 compression. RQs were further longer in duration and more often realized with non-modal voice quality (glottalized voice) as compared to ISQs. These prosodic cues were largely manipulated in tandem (illocutionary pairs with larger durational differences also showed larger differences in mean f0; voice quality, in turn, seemed to be an additional cue). We suggest three possible explanations (assertive force, focus, speaker attitude) that unite the present findings on RQs in Standard Chinese with the findings on RQs in other, non-tonal languages.

Within this thesis the hedging behaviour of airlines from 2005 to 2019 is analysed by using an unbalanced panel dataset consisting of a total of 78 airlines from 39 countries. The focus of the analysis is on financial and operational hedging as well as the influence of both on CO2 emissions and the development of emitted CO2 emissions. For the analysis Probit models with random effects and OLS models with fixed effects were used. The results regarding the relationship between leverage and financial hedging indicate a negative relationship between everage and financial fuel hedging and a non-linear convex relationship for highly leveraged airlines, which is contrary to the theory of financial distress. In addition, the study provides evidence that airlines using other types of derivatives, such as interest rate derivatives, engage in more fuel hedging. In terms of operational hedging, the analysis suggests that operating a diversified fleet is a complement to, rather than a substitute for, financial hedging. With regard to alliance membership, the results do not show that alliance membership is a substitute for financial hedging, as members of alliances are more likely to engage in hedging transactions and to a greater extent. The analysis shows that the relative CO2 emissions fall in the period under review, but this does not apply to the absolute amount. No general statement can be made about the influence of financial and operational hedging on CO2 emissions, as the results are mixed.