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Purpose of this paper is highlight the importance of adopting FinTech innovations to improve Customer Retention

Authors viewpoint and give a macro perspective of FinTech-Customer Retention linkages.

Adoption of FinTech innovations is essential for customer retention.

Many large B2C players are moving strongly ahead with adopting FinTech driven payment solutions. Competitors which ignore this trend, stand to lose customers in the long run.

FinTech is a new and developing industry. There has been limited research into its usage by non-financial corporates and impact on customer retention.

This study aims to examine factors influencing purchase intentions of households toward solar rooftops, using diffusion of innovation theory.

Six dimensions from the diffusion of innovation theory have been contemplated to assess households’ purchase intentions toward solar rooftops. Primary data was collected from 863 respondents by using a purposive sampling technique from different parts of India. The study used structural equation modeling analysis to examine the data.

Results confirmed that the dimensions, namely, relative advantage, compatibility, complexity, innovations and observability, positively influence households’ purchase intentions of solar rooftops, except for the trialability dimension.

Data for the study is based on a purposive sampling technique that restricts the representation of the whole population. There may be variance in public perception from place to place due to demographic and psychographic differences.

The present study would facilitate devising a roadmap to improve the quality of the environment. Policy planners, researchers and professionals would find the implications of this study helpful in developing critical strategies.

The research practically explores households’ intention to purchase solar rooftops by filling the gap in previous literature. Findings of the study can equip firms with several advantages. Through the present study, one gets to know that developed and developing economies have similar energy usage issues. Further, it empirically examines the applicability of diffusion of innovation theory in the solar rooftops context.

Digital technologies emerged as innovative avenues for launching new products, advertising brands, increasing customer awareness and thus leaving a remarkable impact on the online marketplace. The present study analyzed the effects of crucial antecedents of AR interactive technology on customers' behavior toward AR-based e-commerce websites.

Convenience sampling was used to collect primary data from 357 iGen respondents aged 16–22 years; residing in New Delhi and the NCR region of India and examined using the structural equation modeling technique.

Results revealed that technology anxiety and virtuality significantly influence customers' attitudes and behavioral intentions toward AR-based e-commerce websites. However, interactivity and innovativeness remain non-significant. Additionally, non-significant moderating effects were identified for the moderators, i.e. trust and need for touch. At the same time, gender has a significant moderating effect only for the association between technology anxiety and attitude toward AR-based e-commerce websites.

The study summarizes numerous theoretical and managerial implications for AR-based website designers and policymakers, followed by the crucial limitations and directions for future research.

The present research provides a significant understanding of the e-commerce industry by providing valuable insights about young iGen consumers' perceptions of AR-based e-commerce websites.

Strategic planning is an organization’s process of describing its strategy, or direction, and making decisions on allocating its resources to track this strategy. SWOT analysis is one of the most commonly used techniques for strategic planning. SWOT examines the strengths (S) and weaknesses (W) agents of the community together with opportunities (O) and threats (T), for selecting and implementing the best strategy which helps in achieving its goals. The purpose of this paper is to enhance the performance of SWOT analysis regarding the quantitative side of strategies, select the best strategy from different strategies and deal effectively with vague and incompatible information, which occurs usually in actual life.

This study used the neutrosophic analytic hierarchy process (AHP) incorporated with SWOT analysis.

By adding the neutrosophic AHP to SWOT analysis, the performance of SWOT analysis is enhanced through determining the quantitative values and dealing with vague and inconsistent information effectively leading to improved decisions.

The developed integrated methodology is validated in a real-life case of Starbucks company. For the case study of Starbucks company, the proposed model helps in determining different strategic plans and, further, ranking these plans effectively, which will help the company to compete with its competitors and develop itself by obtaining a competitive advantage over its competitors in an uncertain business environment.

In the case study of Starbucks company, the proposed model helps to determine the different strategic plans, rank these plans which help the company compete with its competitors, develop itself and grow.

This research is the first to address SWOT analysis with neutrosophic AHP.

The present study aims to develop and offer a model to evaluate the customers' attitude and intention to adopt solar net metering systems (commonly called solar NMS) in a developing economy. Therefore, the research examines different factors affecting the Indian households' attitudes and intention to adopt solar NMS.

The data were collected from 247 solar NMS users from India. The structural equation modeling (SEM) technique was applied using SmartPLS 3.3.2 software to analyze the impact of various factors on their adoption intention. The conceptual model comprises environmental concern, perceived ease of use (PEOU), subjective norms, perceived usefulness (PU), attitude and behavioral intention to adopt solar NMS.

Subjective norms and environmental concerns significantly influence the PU and PEOU of solar NMS. Also, PU and PEOU significantly influence their attitude and intentions toward adopting solar NMS. Thus, the perceived social pressure and environmental concern affect their perception of solar NMS's usefulness and ease of use, leading to favorable attitudes and adoption intentions. Additionally, the solar NMS benefits the customers, society and the environment by enhancing environmental quality, compatibility with the modern lifestyle, and reducing dependency on the power grid and electricity bills. These benefits shape the customers' overall perception and increase the adoption of solar technologies.

The present research helps bridge the gaps in the existing literature by identifying (1) factors affecting customers' intention toward solar technologies in developing nations and (2) describing the significant prediction of environmental concern and subjective norms to increase solar technologies adoption.

The purpose of this paper is to improve the design of a solid square canopy of a parachute. The design improvements are brought out by providing minor slits in the canopy area. Proper designing of the parachute was carried out using theoretical investigation coupled with experimentation. This parachute is designed for launch of sonobuoy from fixed wing aircraft.

Literature review was carried out on the design of such parachutes for the launch of a sonobuoy from a high altitude to the water entry. Computational fluid dynamics (CFD) analysis provided the value of the coefficient of drag for the slit-cut square canopy parachute, with and without sonobuoy for different lengths of the slit. Besides the theoretical investigation, experimentation was also carried out to validate the design.

The experimentation was carried out on 58 and 75 gsm fabric canopies with the slit edge plain-cut with thermally sealed edges, stitched and strengthened. In the case of plain-cut slits on the canopy made of 75 gsm fabric, no tearing of the slit edge was observed in dynamic and flight tests.

The present work has been carried out considering various assumptions and limited trial data specific to precision drop of 9 kg payload. The work can be adopted for bigger parachute for dropping of higher payloads.

Lab strength test, track dynamic and flight trials were conducted to acquire useful data for the present analysis. Besides the theoretical investigations and CFD analysis inherently based on numerous assumptions, experimentation was carried out as the sonobuoy deployment conditions are full of uncertainty. Dynamic and airdrop tests were conducted for this reason to determine design changes in the slits, both at the material level and on improvisations.

This paper aims to explore the application of drumstick (Moringa oleifera) flower (DF) as a functional antioxidative ingredient in goat meat product.

Dried DF was included in the product formulation at 1% (Treatment I) and 2% (Treatment II) levels. The physicochemical, colour, textural and sensory quality as well as storage stability of nuggets with DF were determined against control.

The dried DF was found to be rich source of protein and dietary fibre, possessing good antioxidant potential. Chromatographic analysis of DF extract showed presence of 14 active principles known to have antioxidative properties. Inclusion of dried DF decreased pH values of emulsion (p = 0.005) as well as nuggets (p < 0.001) and increased (p < 0.001) the ash, dietary fibre and phenolic contents. The added DF affected the product’s lightness (p = 0.017), yellowness (p < 0.001, hardness (p < 0.001), adhesiveness (p = 0.032), cohesiveness (p = 0.006), gumminess and chewiness (p < 0.001). Sensory characteristics of control and product with DF were statistically similar except low (p = 0.002) flavour score for Treatment II. DF inclusion lowered (p < 0.001) thiobarbituric acid reactive substances number and total plate count.

DF can be used as a source of antioxidants and dietary fibre in goat meat nuggets to enhance their health value, functionality and storage stability.

Foods including goat meat nuggets enriched with goodness of functional ingredients like dietary fibre and natural antioxidants are gaining consumer’s preference globally. Inclusion of drumstick flower in goat meat nuggets significantly increases the dietary fibre and antioxidants making such products healthier and more stable. Consumption of goat meat nuggets added with drumstick flower is expected to improve consumer’s well-being as well.

This paper aims to present a compact, broadband substrate integrated waveguide (SIW) three-way power divider with improved isolation based on six-port SIW coupler.

The power coupling among the three output ports occurs due to short openings in the narrow walls of the central SIW channel. Performance improvement in the isolation and return loss among ports is achieved using matching posts placed at the input and output ends of the coupling region. This enhances the coupling between TE₁₀ and TE₃₀ modes. The input matching ports enhance the return loss, whereas the isolation is alleviated by both the input and output matching posts. The bandwidth enhancement is achieved by optimizing the outer SIW channel widths.

The measured fractional bandwidth of 27.3% with over 15 dB of isolation and return loss is achieved. The coupling length is 1.55 λ_g at the centre frequency. The power divider achieves better than 15 dB isolation between non-adjacent output ports. The measured reflection and isolation coefficients are in close agreement with simulated results over 8.2 to 10.8 GHz.

Isolation between the adjacent and non-adjacent ports is an important parameter as the reflections from these ports will interfere with signals from other ports reducing the fractional bandwidth of the power divider and affecting the overall performance of the transmitters and receivers.

The authors present the enhancement of isolation between the output non-adjacent ports by optimizing the SIW channel width and matching post in the coupling region to reduce the reflected signals from non-adjacent ports entering into other ports. To the author’s knowledge, this is the only SIW three-way power divider paper showing non-adjacent port isolation among six-port couplers based three-way power dividers.

In a volatile agricultural postharvest market, producers require more personalized information about market dynamics for informed decisions on the marketed surplus. However, this adaptive strategy fails to benefit them if the selection of a computational price predictive model to disseminate information on the market outlook is not efficient, and the associated risk of perishability, and storage cost factor are not assumed against the seemingly favourable market behaviour. Consequently, the decision of whether to store or sell at the time of crop harvest is a perennial dilemma to solve. With the intent of addressing this challenge for agricultural producers, the study is focused on designing an agricultural decision support system (ADSS) to suggest a favourable marketing strategy to crop producers.

The present study is guided by an eclectic theoretical perspective from supply chain literature that included agency theory, transaction cost theory, organizational information processing theory and opportunity cost theory in revenue risk management. The paper models a structured iterative algorithmic framework that leverages the forecasting capacity of different time series and machine learning models, considering the effect of influencing factors on agricultural price movement for better forecasting predictability against market variability or dynamics. It also attempts to formulate an integrated risk management framework for effective sales planning decisions that factors in the associated costs of storage, rental and physical loss until the surplus is held for expected returns.

Empirical demonstration of the model was simulated on the dynamic markets of tomatoes, onions and potatoes in a north Indian region. The study results endorse that farmer-centric post-harvest information intelligence assists crop producers in the strategic sales planning of their produce, and also vigorously promotes that the effectiveness of decision making is contingent upon the selection of the best predictive model for every future market event.

As a policy implication, the proposed ADSS addresses the pressing need for a robust marketing support system for the socio-economic welfare of farming communities grappling with distress sales, and low remunerative returns.

Based on the extant literature studied, there is no such study that pays personalized attention to agricultural producers, enabling them to make a profitable sales decision against the volatile post-harvest market scenario. The present research is an attempt to fill that gap with the scope of addressing crop producer's ubiquitous dilemma of whether to sell or store at the time of harvesting. Besides, an eclectic and iterative style of predictive modelling has also a limited implication in the agricultural supply chain based on the literature; however, it is found to be a more efficient practice to function in a dynamic market outlook.

The present study aimed to examine the relationship between information and communication technologies (ICT) diffusion, financial development and economic growth in the panel of developing countries for 2005–2019.

The study employed the principal component analysis (PCA) to extract the index of ICT diffusion. First-generation panel unit root tests such as Levine Lin Chu (LLC), Im Pesaran Shin (IPS), Augmented Dickey-Fuller (ADF) and Phillips and Perron (PP) were employed to check the stationarity of the variables. Pedroni and Kao co-integration techniques were used to examine the existence of the long-run relationship, and co-integration coefficients were estimated using FMOLS and dynamic ordinary least squares (DOLS). The panel Granger causality approach examined the short-run and long-run causality.

The results confirmed that ICT diffusion, financial development and trade openness accelerate growth, whereas inflation dampens economic growth. Further, the causality test showed bidirectional causality between ICT growth and financial development growth but a unidirectional causality from financial development to ICT diffusion in developing countries.

The study recommends synchronizing public and private sector investment for a synergistic effect on ICT infrastructure and adequate investment in the financial sector to increase the growth rate in developing countries. Economic policies should be adopted toward incentives and subsidies to ensure affordable ICT services for disadvantaged communities. Also, training programs focussing on enhancing digital literacy to enable all segments of the population to use digital platforms for financial services are recommended.