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The purpose of this paper is examining how financial inclusion can be enhanced in rural and remote areas in emerging economies through the adoption of Financial technologies. The study examines the direct influence of technological characteristics, facilitating conditions, trust and perceived risk on adoption of FinTech. Furthermore, the study examines the mediating effects of facilitating conditions and moderating effects of education level in adoption of FinTech.

The study employed quantitative research design. Stratified and simple random sampling were employed to identify areas in which respondents will be collected. Drop and Pick method was further employed to collect 275 valid and reliable responses. Structural equation modeling was used to analyze the data and assess the reliability and validity of the measurement model. Structural model analysis was employed to examine the hypothesized relationship.

The results show that compatibility, complexity agent trust, perceived risk and facilitating have significant influence on adoption of FinTech. Furthermore, the findings show that facilitating conditions mediate the relationship between all technological characteristics and FinTech adoption except the relationship between compatibility and FinTech. The study also has found that education level moderates the relationship between observability and FinTech adoption as well as trialability and FinTech adoption.

This study employed cross-sectional research-based techniques in collecting data for analyzing the hypothesized relationship. However, the drawback of cross-sectional may impact the findings of this study over a long time. Therefore, future studies must consider conducting longitudinal studies which may collect data over some time for analysis of the FinTech adoption. Furthermore, the generalization of these findings should be considered carefully by other countries which are not economically similar to Tanzania and developed countries. This also provides room for future studies to examine the same area in countries with different economic development.

This study contributes to knowledge into two folds: First there is limited knowledge on adoption of FinTech in emerging economies; the study addresses the knowledge gap by providing empirical findings which will help scholar. Furthermore, less studies have examined the moderating effects of facilitating condition in adoption of technology. This study addresses the knowledge gap by examining the moderating influence of moderating influence of facilitating conditions. Also, this study provides empirical findings which will help policymakers to implement strategy that will speed-up financial inclusion in rural and isolated areas in emerging economies.

The response of the Pine Flat dam–water–foundation rock system is studied by a new described approach (i.e. FE-(FE-TE)-FE). The initial part of study is focused on the time harmonic analysis. In this part, it is possible to compare the transfer functions against corresponding responses obtained by the FE-(FE-HE)-FE approach (referred to as exact method which employs a rigorous fluid hyper-element). Subsequently, the transient analysis is carried out. In that part, it is only possible to compare the results for low and high normalized reservoir length cases. Therefore, the sensitivity of results is controlled due to normalized reservoir length values.

In the present study, dynamic analysis of a typical concrete gravity dam–water–foundation rock system is formulated by the FE-(FE-TE)-FE approach. In this technique, dam and foundation rock are discretized by plane solid finite elements while, water domain near-field region is discretized by plane fluid finite elements. Moreover, the H-W (i.e. Hagstrom–Warburton) high-order condition is imposed at the reservoir truncation boundary. This task is formulated by employing a truncation element at that boundary. It is emphasized that reservoir far-field is excluded from the discretized model.

High orders of H-W condition, such as O5-5 considered herein, generate highly accurate responses for both possible excitations under both types of full reflective and absorptive reservoir bottom conditions. It is such that transfer functions are hardly distinguishable from corresponding exact responses obtained through the FE-(FE-HE)-FE approach in time harmonic analyses. This is controlled for both low and high normalized reservoir length cases (L/H = 1 and 3). Moreover, it can be claimed that transient analysis leads practically to exact results (in numerical sense) when one is employing high order H-W truncation element. In other words, the results are not sensitive to reservoir normalized length under these circumstances.

Dynamic analysis of concrete gravity dam–water–foundation rock systems is formulated by a new method. The salient aspect of the technique is that it utilizes H-W high-order condition at the truncation boundary. The method is discussed for all types of excitation and reservoir bottom conditions.

The purpose of this paper is to investigate a variety of Painlevé integrable equations derived from a Hamiltonian equation.

The newly developed Painlevé integrable equations have been handled by using Hirota’s direct method. The authors obtain multiple soliton solutions and other kinds of solutions for these six models.

The developed Hamiltonian models exhibit complete integrability in analogy with the original equation.

The present study is to address these two main motivations: the study of the integrability features and solitons and other useful solutions for the developed equations.

The work introduces six Painlevé-integrable equations developed from a Hamiltonian model.

The work presents useful algorithms for constructing new integrable equations and for handling these equations.

The paper presents an original work with newly developed integrable equations and shows useful findings.

Based on dual information asymmetry, the two-stage segmented compensation mechanism for technological innovation of civilian enterprises’ participation in military (CEPIM) has been discussed.

On the basis of the traditional principal-agent problems, the incentive compatibility condition is introduced as well as the hybrid incentive compensation model is established, to solve optimal solution of the compensation parameters under the dynamic contract condition and the validity is verified by numerical simulation.

The results show that: (1) The two-stage segmented compensation mechanism has the functions of “self-selection” and “stimulus to the strong”, (2) It promotes the civilian enterprises to obtain more innovation benefit compensation through the second stage, (3) There is an inverted U-shaped relationship between government compensation effectiveness and the innovation ability of compensation objects and (4) The “compensable threshold” and “optimal compensation threshold” should be set, respectively, to assess the applicability and priority of compensation.

In this paper, through numerical simulation, the optimal solution for two-stage segmented compensation, segmented compensation coefficient, expected returns for all parties and excess expected returns have been verified under various information asymmetry. The results show that the mechanism of two-stage segmented compensation can improve the expected returns for both civilian enterprises and the government. However, under dual information asymmetry, for innovation ability of the intended compensation candidates, a “compensation threshold” should be set to determine whether the compensation should be carried out, furthermore an “optimal compensation threshold” should be set to determine the compensation priority.

This article aims to present a direct solution to handle linear constraints in finite element (FE) analysis without penalties or the Lagrange multipliers introduced.

First, the system of linear equations corresponding to the linear constraints is solved for the leading variables in terms of the free variables and the constants. Then, the reduced system of equilibrium equations with respect to the free variables is derived from the finite-dimensional virtual work equation. Finally, the algorithm is designed.

The proposed procedure is promising in three typical cases: (1) to enforce displacement constraints in any direction; (2) to implement local refinements by allowing hanging nodes from element subdivision and (3) to treat non-matching grids of distinct parts of the problem domain. The procedure is general and suitable for 3D non-linear analyses.

The algorithm is fitted only to the Galerkin-based numerical methods.

The proposed procedure does not need Lagrange multipliers or penalties. The tangential stiffness matrix of the reduced system of equilibrium equations reserves positive definiteness and symmetry. Besides, many contemporary Galerkin-based numerical methods need to tackle the enforcement of the essential conditions, whose weak forms reduce to linear constraints. As a result, the proposed procedure is quite promising.

With the function to store individual’s data input, personal health record (PHR) enhanced the accessibility to personal health information. This study aims to assess the factors that impact the intention of Malaysian internet users to use PHR and create a modified technology acceptance model (TAM) for eHealth.

Multivariate statistical analysis was performed on a total of 216 responses using the partial least square technique based on the cross-sectional survey among Malaysian internet users.

Behavioral intention was positively associated to PHR. Subjective norm significantly influenced both attitude and intention to use, whereas trust and perceived usefulness significantly influenced attitude. There was no significant positive impact in the relationships between compatibility and perceived ease of use and intention to use; nevertheless, they positively influenced perceived usefulness. Attitude exhibited mediating influence between trust, perceived usefulness and subjective norm and intention to use. Nonetheless, perceived risk did not affect behavioral intention. Thus, PHR acceptance was well-justified by the modified TAM in evaluating eHealth acceptance.

The eHealth vendors can enhance their marketing and development strategies on related products.

Literatures and empirical evidence on eHealth are still scarce, especially in emerging markets. The role of attitude may not be well-researched in health-care context, therefore was included in this study’s modified TAM. Critical determinants, namely, trust and risk, were added to the model.

This study aims to explore novel solitary wave solutions of a new (3 + 1)-dimensional nonlocal Boussinesq equation that illustrates nonlinear water dynamics.

The authors use the Painlevé analysis to study its complete integrability in the Painlevé sense.

The Painlevé analysis demonstrates the compatibility condition for the model integrability with the addition of new extra terms.

The phase shifts, phase variables and Hirota’s bilinear algorithm are used to furnish multiple soliton solutions.

The authors also furnish a variety of numerous periodic solutions, kink solutions and singular solutions.

The work formally furnishes algorithms for investigating several physical systems, including plasma physics, optical communications and oceans and seas, among others.

This paper presents an original work using a newly developed Painlevé integrable model, as well as novel and insightful findings.

This paper develops and tests a theoretical model that draws on the Diffusion Contingency Model and the Theory of Human Behavior to explain the factors influencing users’ acceptance of accrual accounting in terms of two distinct dimensions: behavioral intention and usage behavior.

Based on surveyed data from financial departments and directorates of different Greek general government entities, the paper uses factor analysis to build a theoretical model that assesses the factors influencing behavioral intention to adopt and usage behavior of accrual accounting. Then, it tests the relationship between behavioral intention and usage behavior through structural equation modeling.

The theoretical model suggests that the expected improvement of the quality of financial information and political and financial support are the most important determinants of behavioral intention. Usage behavior is mainly influenced by the compatibility between the existing legal framework and the new accounting system. The structural equation modeling identifies a statistically significant positive influence of behavioral intention on usage behavior.

The study provides valuable insights regarding the timing and focus of the actions taken by policymakers when designing accounting reforms. Special attention is drawn to the factors influencing behavioral intentions, as these are found to influence usage behavior significantly.

The study extends prior research on the diffusion of accounting innovations by breaking down the diffusion process into intentions-oriented actions aiming to promote accrual accounting and increase acceptance and implementation-oriented actions aiming to facilitate successful implementation.

Cashless payment is gradually replacing physical currency in almost every financial transaction across the world. Even though cashless payment methods have been available in Malaysia since a decade ago, their usage has remained relatively low in comparison to other countries. This study aims to analyse the elements that affect the Malaysian youth’s adoption intention and actual use of cashless payment by extending the unified theory of acceptance and use of technology (UTAUT) model with two key factors (perceived security [PS] and lifestyle compatibility [LC]).

Data were gathered online from 364 Malaysian youths and processed using partial least squares structural equation modelling.

The findings revealed that performance expectancy (PE), LC and PS had a positive and substantial effect on the intention to use cashless payment (ICP). In contrast, effort expectancy (EE) and social influence did not have any considerable influence on ICP. Furthermore, ICP had substantial mediating effects between the adoption of cashless payment (ACP) and PE, LC and PS. In the analysis of the moderating effect of age, gender, experience and voluntariness, only experience had moderating effects on the associations between PE and ICP and between FC and ACP.

This study’s findings will be highly useful for marketers and the management as they plan their promotional and marketing tactics, with a focus on the factors that inspire customers to adopt cashless payments. Besides, architects and designers can benefit from the study results while designing and updating their services by consolidating consumers’ lifestyle standards as well as enhancing security features. Finally, governments may support service providers with security building through legislative measures and policy campaigns to strengthen the trustworthiness and mass adoption of contactless payment.

This study extended the UTAUT model with two new variables, i.e. PS and LC.

This study aims to investigate two newly developed (3 + 1)-dimensional Kairat-II and Kairat-X equations that illustrate relations with the differential geometry of curves and equivalence aspects.

The Painlevé analysis confirms the complete integrability of both Kairat-II and Kairat-X equations.

This study explores multiple soliton solutions for the two examined models. Moreover, the author showed that only Kairat-X give lump solutions and breather wave solutions.

The Hirota’s bilinear algorithm is used to furnish a variety of solitonic solutions with useful physical structures.

This study also furnishes a variety of numerous periodic solutions, kink solutions and singular solutions for Kairat-II equation. In addition, lump solutions and breather wave solutions were achieved from Kairat-X model.

The work formally furnishes algorithms for studying newly constructed systems that examine plasma physics, optical communications, oceans and seas and the differential geometry of curves, among others.

This paper presents an original work that presents two newly developed Painlev\'{e} integrable models with insightful findings.