The Role of Fintech Payment Instruments in Improving Financial Inclusion

This study examines the role of Fintech payments instruments in evolving accounts ownership as- a master indicator of financial inclusion; to determine if their effectiveness differs according to the different income levels of countries. The sample of the study consists of a panel of twenty-two countries over the period 2010-2020. The database is gathered from the Global Findex; 2021 edition of World Bank. The account ownerships are regressed on Fintech instruments using (FMOLS) method. The results had shown a significant effect of digital remittances, debit and credit cards; and macroeconomic indicators on financial inclusion, in high and middle-income countries, indicating that Fintech payment instruments had been accelerated financial inclusion, but with different levels due to the variation in technological developments and low level of financial literacy. An insignificant effect of the S&P indicator across varying income countries had shown the need for more attention to Fintech and financial literacy to accelerate financial inclusion. In addition to that, countries should work to develop and strengthen of the communication and information infrastructure especially, in developing countries, in order to activate the role of financial technology

Serializability, not Serial: Concurrency Control and Availability in Multi-Datacenter Datastores

We present a framework for concurrency control and availability in multi-datacenter datastores. While we consider Google's Megastore as our motivating example, we define general abstractions for key components, making our solution extensible to any system that satisfies the abstraction properties. We first develop and analyze a transaction management and replication protocol based on a straightforward implementation of the Paxos algorithm. Our investigation reveals that this protocol acts as a concurrency prevention mechanism rather than a concurrency control mechanism. We then propose an enhanced protocol called Paxos with Combination and Promotion (Paxos-CP) that provides true transaction concurrency while requiring the same per instance message complexity as the basic Paxos protocol. Finally, we compare the performance of Paxos and Paxos-CP in a multi-datacenter experimental study, and we demonstrate that Paxos-CP results in significantly fewer aborted transactions than basic Paxos.Comment: VLDB201

Platinum catalysed hydrolytic amidation of unactivated nitriles

The platinum(II) complex, [(Me2PO··H··OPMe2)PtH(PMe2OH)], efficiently catalyses the direct conversion of unactivated nitriles to N-substituted amides with both primary and secondary amines. Possible mechanisms for this reaction are discussed and evidence for initial amidine formation is reported. Isolated yields vary from 51–89%

Effect of Harvesting Date and Variety of Date Palm on Antioxidant Capacity, Phenolic and Flavonoid Content of Date Palm (Phoenix Dactylifera)

The effect of date palm variety and harvesting date on total phenolic content, total flavonoid content, and antioxidant capacity of seven varieties of date palm fruits collected at different maturation stages obtained from date palm farms located in the Jericho area of the Jordan valley was investigated in this study. During different harvesting times (from June to September 2011), total phenolic content, total flavonoid content, and antioxidant capacity varied between 13.75-231.40 mg gallic acid equivalents (GAE), 1.72-9.6 mg catechin equivalents, and 142.0-719.3 μmol Trolox equivalents per 100 g dry weight sample for the seven varieties of date palm, respectively. Pearson correlation indicated that there is a strong significant correlation between antioxidant capacity and total phenolic content, as well as between antioxidant capacity and total flavonoid content for all date palm varieties investigated in this study. It is expected that these results will be useful to farmers particularly in their selection of harvesting time of the date palm fruits with high content of the bioactive compounds to meet the increasing demand on such healthy products.We are grateful to Beit Jala pharmaceutical company for performing HPLC analyses in their laboratories

The Influence of People Shadowing on the Modelling of 60 GHz Band Propagation

Non

Absence of pathogenic mitochondrial DNA mutations in mouse brain tumors

BACKGROUND: Somatic mutations in the mitochondrial genome occur in numerous tumor types including brain tumors. These mutations are generally found in the hypervariable regions I and II of the displacement loop and unlikely alter mitochondrial function. Two hypervariable regions of mononucleotide repeats occur in the mouse mitochondrial genome, i.e., the origin of replication of the light strand (O(L)) and the Arg tRNA. METHODS: In this study we examined the entire mitochondrial genome in a series of chemically induced brain tumors in the C57BL/6J strain and spontaneous brain tumors in the VM mouse strain. The tumor mtDNA was compared to that of mtDNA in brain mitochondrial populations from the corresponding syngeneic mouse host strain. RESULTS: Direct sequencing revealed a few homoplasmic base pair insertions, deletions, and substitutions in the tumor cells mainly in regions of mononucleotide repeats. A heteroplasmic mutation in the 16srRNA gene was detected in a spontaneous metastatic VM brain tumor. CONCLUSION: None of the mutations were considered pathogenic, indicating that mtDNA somatic mutations do not likely contribute to the initiation or progression of these diverse mouse brain tumors

Temperature Dependence of the Dynamics of Portevin-Le Chatelier Effect in Al-2.5%Mg alloy

Tensile tests were carried out by deforming polycrystalline samples of Al-2.5%Mg alloy at four different temperatures in an intermediate strain rate regime of 2x10-4s-1 to 2x10-3s-1. The Portevin-Le Chatelier (PLC) effect was observed throughout the strain rate and temperature region. The mean cumulative stress drop magnitude and the mean reloading time exhibit an increasing trend with temperature which is attributed to the enhanced solute diffusion at higher temperature. The observed stress-time series data were analyzed using the nonlinear dynamical methods. From the analyses, we could establish the presence of deterministic chaos in the PLC effect throughout the temperature regime. The dynamics goes to higher dimension at a sufficiently high temperature of 425K but the complexity of the dynamics is not affected by the temperature.Comment: 18 pages, 8 figures; accepted in Met. Mater. Trans.

Evaluation of extra-virgin olive oils shelf life using an electronic tongue-chemometric approach

Physicochemical quality parameters, olfactory and gustatoryretronasal positive sensations of extra-virgin olive oils vary during storage leading to a decrease in the overall quality. Olive oil quality decline may prevent the compliance of olive oil quality with labeling and significantly reduce shelf life, resulting in important economic losses and negatively condition the consumer confidence. The feasibility of applying an electronic tongue to assess olive oils usual commercial light storage conditions and storage time was evaluated and compared with the discrimination potential of physicochemical or positive olfactory/gustatory sensorial parameters. Linear discriminant models, based on subsets of 58 electronic tongue sensor signals, selected by the meta-heuristic simulated annealing variable selection algorithm, allowed the correct classification of olive oils according to the light exposition conditions and/or storage time (sensitivities and specificities for leave-one-out cross-validation: 8296 %). The predictive performance of the E-tongue approach was further evaluated using an external independent dataset selected using the KennardStone algorithm and, in general, better classification rates (sensitivities and specificities for external dataset: 67100 %) were obtained compared to those achieved using physicochemical or sensorial data. So, the work carried out is a proof-of-principle that the proposed electrochemical device could be a practical and versatile tool for, in a single and fast electrochemical assay, successfully discriminate olive oils with different storage times and/or exposed to different light conditions.The authors acknowledge the financial support from the strategic funding of UID/BIO/04469/2013 unit, from Project POCI-01-0145-FEDER-006984—Associate Laboratory LSRELCM funded by FEDER funds through COMPETE2020—Programa Operacional Competitividade e Internacionalização (POCI)—and by national funds through FCT—Fundação para a Ciência e a Tecnologia and under the strategic funding of UID/BIO/04469/2013 unit. Nuno Rodrigues thanks FCT, POPH-QREN and FSE for the Ph.D. Grant (SFRH/BD/104038/2014).info:eu-repo/semantics/publishedVersio