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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.

India has the second highest percentage of mobile wallet adoption driven by availability of affordable smartphones and Internet. Despite a general interest, studies on its adoption have been scarce. This research assumes that user segments exist, each with their own level of maturity, and addresses the question “Are there segments which can be profiled?” Thus, the objectives of the study are to propose a model that explains the attitude of user segments towards its adoption; identify probable user segments and profile them; examine the importance and performance of constructs which influence attitude within each cluster and recommend ways to improve performance.

This paper employs the constructs from two popular theories on technology adoption, i.e. technology acceptance model (TAM) and Unified Theory of Acceptance and Use of Technology (UTAUT). A synthesis of review of literature on these models, besides two focus group discussions (FGDs), was used to design a pilot instrument. A nationwide survey was conducted, and 744 responses were obtained. Convenience sampling was used to select the respondents. The average scores of various constructs were computed and subjected to hierarchical clustering. Further, k-means clustering was carried out. The demographic profiling of each cluster was done through cross-tabulation and differences related to attitude and intention between clusters were tracked by one-way Analysis of Variance (ANOVA). To determine the relative importance and performance of constructs within each cluster, Importance-Performance Map Analysis (IPMA) using Smart Partial Least Squares (PLS) was carried out.

The hierarchical clustering resulted in three clusters. The result of k-means clustering was used to label the clusters as Technology Enthusiasts (TE), Technology Sceptics (TS) and Technology Pragmatists (TP). The obtained clusters were found to differ in terms of perception, attitude, intention, behavior, marital status, education, occupation and income levels. With respect to each cluster, it was seen that the top three important constructs are Perceived Usefulness (PU), Security (SEC) and Lifestyle Compatibility (LC) as indicated by the IPMA. The findings indicate that mobile wallet providers should focus on all six constructs, with special focus on PU, SEC and LC. The findings of this study will help mobile wallet providers in customizing their offerings to enhance adoption attitude in all three clusters.

This study examines the perception of students and working professional towards mobile wallet adoption and uses this data for segmentation. However, there could be underlying differences between these two groups, as the motive behind adopting a technology may be different. Thus, treating them as homogenous user segments could be a limitation. Therefore, exploring segments and profiles for each type of user may be an area for future research. Mobile wallet providers should also give utmost importance to perceived usefulness, security and lifestyle compatibility while designing their services. This will not only enhance user trust and compatibility with mobile wallet but also improve the outcomes associated with its usage.

This study will help mobile wallet providers understand the user segments and customize their service offerings.

This study provides a comparison of the respondent profiles of three obtained segments of mobile wallet users. While prior studies have identified segments associated with adoption of technologies like ATM banking, SMS banking, online banking, Internet banking, mobile banking etc., not much has been reported on mobile wallet adoption. To the best of the authors' knowledge, this is a novel study in India, aimed at identifying user clusters among adopters of mobile wallets and developing cluster profiles based on demographic, attitude and intention.

The purpose of this paper is to examine the transient heat conduction in a two-dimensional anisotropic substrate coated with a thin layer of thermal barrier coating (TBC). Nowadays, materials with anisotropic properties have been extensively applied in various engineering applications for enhanced strength. However, under an extreme operating environment of high temperature, the strength of the materials may largely decline. As a common practice in engineering, TBC are usually applied to thermally insulate the substrates so as to allow for higher operating temperature. This research provides engineers a numerical approach for properly designing the TBC to protect the anisotropic substrate.

For this investigation, a finite difference scheme using the domain mapping technique, transforming the anisotropic domain into isotropic one, is employed. The analysis considers three respective boundary conditions, namely Dirichelete condition, Neumann condition, and also forced convection, and studies the effect of various variables on the heat conduction in the coated system. Additionally, formulas for the steady-state temperature drop across the coating layer at the center are analytically derived. By comparing the numerical results with the analytical solutions, the veracity of the formulas is verified.

A few interesting phenomena are observed from the numerical results. First, the rotation of the substrate's principal axes affects the temperature on the TBC front surface in a more obvious manner for the Neumann condition than that for convection. Second, the temperature profile of the Dirichelete condition rises faster than the other cases, although all their profiles present a similar pattern. Third, the transient temperature drop across the TBC under the convection condition presents a complicated pattern, depending on the TBC thickness. Finally, the increase of TBC thickness under the Dirichelete condition may provide better insulation than the other cases. In this paper, approximate analytical formulations for the steady-state temperature drop across the TBC are also presented. Numerical results by the finite difference method indicate excellent agreements with the analytical solutions.

In the past, the finite element method (FEM) is usually applied for analyzing the heat conduction problem of TBC. However, one serious deficiency of applying the FEM to the TBC problem lies in the demand for a vast amount of elements (or cells) when the TBC thickness is far smaller than the substrate dimension. For ultra-thin coating, an enormous amount of elements are required that may lead to an extremely heavy computational burden. The paper presents an innovative finite difference approach that can be applied to analyze the heat conduction across the TBC coated on an anisotropic substrate. On the interface between the TBC and the substrate, a special heat equilibrium condition and the compatibility condition of identical temperature on the adjacent materials are used to propose three new models to predict the temperature drop across the TBC.

The purpose of this paper is to report the implementation of an alternative time integration procedure for the dynamic non-linear analysis of structures.

The time integration algorithm discussed in this work corresponds to a spectral decomposition technique implemented in the time domain. As in the case of the modal decomposition in space, the numerical efficiency of the resulting integration scheme depends on the possibility of uncoupling the equations of motion. This is achieved by solving an eigenvalue problem in the time domain that only depends on the approximation basis being implemented. Complete sets of orthogonal Legendre polynomials are used to define the time approximation basis required by the model.

A classical example with known analytical solution is presented to validate the model, in linear and non-linear analysis. The efficiency of the numerical technique is assessed. Comparisons are made with the classical Newmark method applied to the solution of both linear and non-linear dynamics. The mixed time integration technique presents some interesting features making very attractive its application to the analysis of non-linear dynamic systems. It corresponds in essence to a modal decomposition technique implemented in the time domain. As in the case of the modal decomposition in space, the numerical efficiency of the resulting integration scheme depends on the possibility of uncoupling the equations of motion.

One of the main advantages of this technique is the possibility of considering relatively large time step increments which enhances the computational efficiency of the numerical procedure. Due to its characteristics, this method is well suited to parallel processing, one of the features that have to be conveniently explored in the near future.

The derived data matrices established for the basic system in the previous issues are assembled to give the compatibility equations from whose solution the redundancies are obtained. The assembly is presented in detail to show the necessary submatrix operations required in the computer. The general solution of the compatibility equations leads to the complete stress distribution and deformation of the regularized fuselage due to external loads, wing or tail interaction redundancies and to thermal strains. From these wc obtain, by use of the cut‐out and modification technique, the corresponding results for the actual fuselage as an independent structure. The interaction redundancies at the wing and tail unit attachments are determined on the assumption that these components are also analysed by the Force Method. Hence the final stress distribution is obtained for the fuselage as an integral part of the complete aircraft structure.

THE general theorems given in Sections 4 and 6 include, from the fundamental point of view, all that is required for the analysis of redundant structures. However, to facilitate practical calculations it is helpful to develop more explicit methods and formulae. To find these is the purpose of this Section.

A DSIR Sponsored Research Programme on the Development and Application of the Matrix Force Method and the Digital Computer. This work presents a rational method for the structural analysis of stressed skin fuselages for application in conjunction with the digital computer. The theory is a development of the matrix force method which permits a close integration of the analysis and the programming for a computer operating with a matrix interpretive scheme. The structural geometry covered by the analysis is sufficiently arbitrary to include most cases encountered in practice, and allows for non‐conical taper, double‐cell cross‐sections and doubly connected rings. An attempt has been made to produce a highly standardized procedure requiring as input information only the simplest geometrical and elastic data. An essential feature is the use of the elimination and modification technique subsequent to the main analysis of the regularized structure in which all cutouts have been filled in. Current Summary A critical historical appraisal of previous work in the Western World on fuselage analysis is given in the present issue together with an outline of the ideas underlying the new theory.

The purpose of this paper is to improve the behaviors coordination mechanism, to maintain the system's long time‐scale and stable competitive capability, when the agents in the system focus on cooperating with each other.

Effort level for every agent, whose dynamics can be described as a stochastic partial differential equation, and the incentive of effort as the control of the corresponding agent, are introduced to describe agents' behavior abstracted. The cooperative stochastic differential game model is constructed: first, the optimal resolve trajectory mapping with profit maximization of the system are obtained, then the transitory imputation coupled with effort initial state of the system by introducing dynamic Shapley value imputation method. Based on the results obtained, the profit distribution strategies and the equilibration incentive compensation mechanism are given, due to the evolution law of the payoff and the state variable.

It is concluded that: the transitory compensation to agent for efforts and incentive, which can be changed with the system state at current and in history and in future changed, would guarantee the realization of the Shapley value imputation throughout the game horizon.

In this paper, the interactivity between agents in the system is considered first. The dynamical Shapley imputation mechanism and the transitory compensatory mechanism are provided to make the imputation more stable and feasible.

The purpose of this study is to segment mobile wallet users using a finite mixture partial least squares (FIMIX-PLS) approach and evaluate the unobserved heterogeneity across segments.

Partial least square structural equation modeling (PLS-SEM) using a convenience sample of 744 responses was used to analyze the measurement, structural model and hypotheses testing. To examine unobserved heterogeneity and identify user segments, FIMIX-PLS technique was employed. To generate more precise recommendations, importance-performance map analysis (IPMA) was performed with attitude as the target variable.

A structural equation model revealed that except perceived ease of use (PEOU) all other dimensions, namely perceived usefulness (PU), lifestyle compatibility (LC), facilitating conditions (FC), trust and security significantly influences attitude which, in turn, determines intention. The FIMIX-PLS technique resulted in four segments – The Rationalist, Early Adopters, Late Adopters and The Innovators.

The paper provides segment specific and between segment differences to derive implications. Identification of relevant predictors and segments will help academicians, marketing researchers and practitioners in gaining further understanding of the mobile wallet adoption. The findings of the paper can guide mobile wallet providers to frame appropriate strategies and offerings pertaining to the obtained segments.

The paper builds upon Technology Acceptance Model (TAM) to propose an integrated model to explain adoption behaviors associated with mobile wallet. To the best of the authors' knowledge, this is one of the first empirical attempts using FIMIX-PLS technique to assess precursors of adoption and substantiates the perceived value-attitude-intention linkage to identify heterogeneity among mobile wallet users.

The purpose of this paper is to introduce two new Painlevé-integrable extended Sakovich equations with (2 + 1) and (3 + 1) dimensions. The author obtains multiple soliton solutions and multiple complex soliton solutions for these three models.

The newly developed Sakovich equations have been handled by using the Hirota’s direct method. The author also uses the complex Hirota’s criteria for deriving multiple complex soliton solutions.

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

This paper is to address these two main motivations: the study of the integrability features and solitons solutions for the developed methods.

This paper introduces two Painlevé-integrable extended Sakovich equations which give real and complex soliton solutions.

This paper presents useful algorithms for constructing new integrable equations and for handling these equations.

This paper gives two Painlevé-integrable extended equations which belong to second-order PDEs. The two developed models do not contain the dispersion term u_xxx. This paper presents an original work with newly developed integrable equations and shows useful findings.