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Emerging literature on fintech has shown that consumers have been slow to adopt fintech-based products and services. However, limited literature is available regarding the factors associated with consumers' adoption of these products and services. This study aims to investigate the factors that are associated with consumer adoption of fintech-based products and services.

Data on the usage and perception of smartphone financial apps by US residents ages 18–70 was collected in the fall of 2020. Based on the Extended Post-Acceptance Model (EPAM) framework, Structural Equation Modeling and Confirmatory Factor Analysis were applied to inspect how financial capability, perceived security and perceived usefulness affect fintech adoption.

Fintech proficiency, investment risk tolerance and perceived safety are positively associated with the frequency of fintech application use upon adoption. Consumers are more likely to feel safer if they are more financially capable and technologically proficient. Consumers with higher risk tolerance tend to believe fintech apps are safe to use. Consumers with higher fintech proficiency are more likely to recognize the usefulness of fintech services.

The study introduces a revised EPAM framework with antecedent factors, fintech proficiency and risk tolerance to investigate the factors associated with consumer adoption of fintech-based products and services. The key findings of this study validate the EPAM in the American context. Additionally, this research is among the first to have confirmed the direct relationship between perceived security and fintech adoption. The results have practical implications for existing fintech companies, banks and financial institutions, policymakers and financial advisory practices considering adopting fintech-based services for their clients.

The question I am seeking answers to is whether or not we have the ability to re-make ourselves into another person. The research subject is me. More to the point, can I, a white woman of Northern European descent, truly become a member of the Japanese society that I grew to love? My methodological approach to this question is a mixed evocative and analytical autoethnography. Within these pages is a complex tale of illness, racism, and sexual discrimination and how they intersect to create a self. From this creation come the questions of un-creation and re-creation; can I deconstruct my self and identity so as to reconstruct who I want to be? Will my reconstruction be supported by my chosen society? Can I truly belong somewhere, anywhere?

This case study analyzes Countrywide Financial’s responses to its recent financial crisis and illustrates the use of communication theory and image restoration strategies by utilizing several crisis response frameworks. The study uses a critical analysis methodology to examine the communication strategies employed by Countrywide, a large mortgage lending company in order to attempt to restore its image. The authors look at excerpts from media stories, carefully examine the language used by company representatives in response to the banking crisis, and categorize the corporate communications into various strategies as defined in the crisis communication literature. Countrywide faced several crisis situations during the period of this study, including the subprime mortgage crisis, public criticism of its CEO’s executive compensation package, allegations of insider trading, and financial difficulties. Corporate responses are critical in determining what amount of damage is done to the firm’s image during a crisis. Countrywide responded to these situations most often using the strategies of image bolstering, reducing the credibility of its accuser, and minimizing the crisis (Benoit, 1995). Through these communications, the company attempted to appear well established and untarnished. It also criticized the media, the courts, and the regulators in an attempt to reduce their credibility. Countrywide made no deliberate attempt to admit fault or to take measures to prevent the problem from reoccurring.

Over the past decade, criminology in Australia, Canada and other settler colonies has increasingly engaged with activist challenges to the penal system. These anti-carceral engagements have been levelled at its laws, institutions and agents. Following a long history of criminology explicating and buttressing penal institutions, the criminological gaze slowly transitioned in the 1970s to a more critical lens, shifting focus from the people who are criminalised to the harms of the apparatus that criminalises. However, the focus remained steadfastly on institutions and dominant players – until much more recently. The COVID-19 pandemic has revealed the strength of activist organisations and grassroots movements in affecting change and shaping debates in relation to the penal system. This chapter will explore the role of activism in informing criminological scholarship during the pandemic period and how criminologists, in turn, have increasingly recognised the need to build alliances and collaborations with grassroots activists and engage in their own activism. The chapter focuses primarily on Australian and Canadian criminology and its growing imbrication with the prison abolition movement, especially in the shadow of ongoing colonial violence. It considers how activist scholars, including ourselves, attempt to build movements for structural change in the criminal system and beyond.

This paper aims to assess the effectiveness of Hall currents and power-law slip condition on the hydromagnetic convective flow of an electrically conducting power-law fluid over an exponentially stretching sheet under the effect of a strong variable magnetic field and thermal radiation. Flow formation is developed using the rheological expression of a power-law fluid.

The nonlinear partial differential equations describing the flow are transformed into the nonlinear ordinary differential equations by employing the local similarity transformations and then solved numerically by an effective numerical approach, namely, fourth-order Runge–Kutta integration scheme, along with the shooting iteration technique. The numerical solution is computed for different parameters by using the computational software MATLAB bvp4c. The bvp4c function uses the finite difference code as the default. This method is a fourth-order collocation method. The impacts of thermophysical parameters on velocity and temperature distributions, skin friction coefficients and Nusselt number in the boundary layer regime are exhibited through graphs and tables and deliberated with proper physical justification.

Our investigation conveys that Hall current has an enhancing behavior on velocity profiles and reduces skin friction coefficients. An increase in the power-law index is observed to deplete velocity and temperature evolution. The temperature for the pseudo-plastic (shear-thinning) fluid is relatively higher than the corresponding temperature of the dilatant (shear-thickening) fluid. The streamlines are more distorted and have low intensity near the surface of the sheet for the dilatant fluid than the pseudo-plastic fluid.

The study is pertinent to the expulsion of polymer sheet and photographic films, hydrometallurgical industry, electrically conducting polymer dynamics, magnetic material processing, solutions and melts of polymer processing, purification of molten metals from nonmetallic. The results obtained in this work can be relevant in fluid mechanics and heat transfer applications.

The present problem has, to the authors' knowledge, not communicated thus far in the scientific literature. A comparative study with the published works is conducted to verify the accuracy of the present study. The results obtained in this analysis are significant in providing the standards for validating the accuracies of some numerical or empirical methods.

The paper aims to help explain how certain smaller university endowments are able to provide investment results that are more typical of much larger endowments. Investment teams' characteristics and risk-reward perceptions are examined in relation to portfolio composition and performance.

This exploratory study uses a grounded-theory approach consisting of 20 in-depth interviews of financial officers at US colleges and universities with assets between $100 million and $200 million. Ten were conducted from the top performance quartile and ten from the bottom quartile. Interviews were transcribed and coded; afterward, emerging themes and constructs were identified. Objective investment performance over a ten-year period was employed from a well-known industry survey.

Top-performing endowments were described as having endowment teams with greater investment expertise, efficacy, decision-making independence and learning commitment than teams from the low-performing endowments. Teams from top-performing endowments assessed alternative investments more favorably and made greater portfolio allocations to them as compared to teams from low-performing endowments.

Because of the chosen research approach, the research results may not be generalizable.

The paper includes implications for colleges and universities in the management of their endowments, and particularly in the selection of committee and other team members.

The paper is original in exploring certain team characteristics and practices of institutional investment decision-makers and their relationship to portfolio composition and performance.