An Analysis of Mobile Banking Acceptance by Pakistani Customers

This study explores the factors affecting and manipulating the mobile banking acceptance by Pakistani customers. The expansion of technology has generated new opportunities  in the world as the expansion of mobile technology has merged the financial and telecom service providers to pioneer new innovations for financial institutions in order to provide branchless banking through mobile banking. This research acquires a TAM (Technology Acceptance Model). Outcomes of this study sustains extensive TAM in forecasting bank customer’s behavioural intent to use mobile banking. The data was collected from the MCB bank account holders in Pakistan which includes 200 survey responses, analyze through statistical techniques: regression analysis. The result of data analysis demonstrated the context of the following variables such as speed, self-efficacy (SE), Mobilty Access(MA) , Advertising(AT) and quality of service , user perception relates to the convenience of mobile banking that affect the tendency to use and adoption. Keywords: Mobile Banking, Innovation, TAM

A global system for mobile communications-based electrical power consumption for a non-contact smart billing system

This paper proposes a cheap solution to be a starting point for building smart electrical power billing systems. Electrical power has many challenges issues in Iraq, one of these challenges and the most important is the Billing system. The smart power meter uses an Arduino Uno as the core for controlling the sensed data and transmits it to the electrical power unit for billing services. The system is constructed with two parts: the transmitting unit measures the current, voltage, power and power factor through the compact new sensor PZEM-004T. The data sensed and processed by the microcontroller which displayed the KWh on (2*16 LCD) display. This data also transmitted to the electrical power company unit via the global system for mobile communications (GSM) module (SIM900A) which is a dual band GSM/GPRS-general packet radio service modem. The receiving part is mainly dedicated for collecting the required consumed power data via the same (SIM900A) module and also can display it using (2*16 LCD) display. For the sake of saving these data, the receiver part uses SD ram for such purposes. With such proposed system the electrical power company can control and collect their fees monthly without loss and with minimum cost

Chemical Composition and in-Vitro Evaluation of the Antimicrobial and Antioxidant Activities of Essential Oils Extracted from Seven Eucalyptus Species

Eucalyptus is well reputed for its use as medicinal plant around the globe. The present study was planned to evaluate chemical composition, antimicrobial and antioxidant activity of the essential oils (EOs) extracted from seven Eucalyptus species frequently found in South East Asia (Pakistan). EOs from Eucalyptus citriodora, Eucalyptus melanophloia, Eucalyptus crebra, Eucalyptus tereticornis, Eucalyptus globulus, Eucalyptus camaldulensis and Eucalyptus microtheca were extracted from leaves through hydrodistillation. The chemical composition of the EOs was determined through GC-MS-FID analysis. The study revealed presence of 31 compounds in E. citriodora and E. melanophloia, 27 compounds in E. crebra, 24 compounds in E. tereticornis, 10 compounds in E. globulus, 13 compounds in E. camaldulensis and 12 compounds in E. microtheca. 1,8-Cineole (56.5%), α-pinene (31.4%), citrinyl acetate (13.3%), eugenol (11.8%) and terpenene-4-ol (10.2%) were the highest principal components in these EOs. E. citriodora exhibited the highest antimicrobial activity against the five microbial species tested (Staphylococcus aureus, Bacillus subtilis, Escherichia coli, Aspergillus niger and Rhizopus solani). Gram positive bacteria were found more sensitive than Gram negative bacteria to all EOs. The diphenyl-1-picrylhydazyl (DPPH) radical scavenging activity and percentage inhibition of linoleic acid oxidation were highest in E. citriodora (82.1% and 83.8%, respectively) followed by E. camaldulensis (81.9% and 83.3%, respectively). The great variation in chemical composition of EOs from Eucalyptus, highlight its potential for medicinal and nutraceutical applications

Isolation and Characterization of Limonoids from Kigelia africana

Two new limonoids, 1-O-deacetyl-2α-methoxykhayanolide (1) and kigelianolide (2), together with deacetylkhayanolide E (3), 1-O-deacetyl- 2α-hydroxykhayanolide E (4) and khayanolide B (5) were isolated from the ethyl acetate-soluble fraction of the methanolic extract of Kigelia africana. The structures of these limonoids (1-5) were elucidated by the combination of 1D (1H and 13C NMR) and 2D (HMQC, HMBC and COSY) NMR spectroscopy and mass spectrometry (EIMS, HREIMS), and in comparison with literature data of related compounds. The structure of compound 1 was further confirmed by X-ray crystallography, and the absolute stereochemistry of compounds 1 and 2 was determined by electronic circular dichroism (ECD) spectroscopy. Limonoids 1-5 showed weak inhibitory activities against the enzymes acetylcholinesterase (AChE), butyrycholinesterase (BChE) and lipoxygenase (LOX) in a concentration-dependent manner with IC50 values in the ranges 137.5 -225.2 μM for AChE, 185.4 -241.5 μM for BChE and 281.2 -189.6 μM for LOX