A Financial Analysis of Mobile Money Services

With limited reporting by mobile network operators (“MNOs”) on the financial performance of mobile money businesses, the paper develops a financial reporting framework to indentify (and quantify) operating costs associated with delivering mobile financial services to unbanked populations in emerging markets. The framework is based on a review of relevant literature and an analysis of the financial reporting of conventional money transfer businesses.Mobile money, M-PESA, financial analysis, mobile operators.

Many people never switch telecoms provider; what is different about switchers? ESRI Research Bulletin 2018/7

Many consumers have never switched telecoms company, despite the efforts of regulators to encourage shopping around and to make switching easier. A significant number of consumers need to be willing to compare offers and to consider switching to better ones if the benefits of competition are going to be spread more widely. In particular, if there are identifiable groups of consumers who are unlikely to consider switching, they may end up with worse deals than other consumers. This research investigated which consumers are more inclined to switch providers of broadband, mobile phone and landline services. It looked not only at individual characteristics like age, family structure and income, but also at characteristics of the service and how it is used, such as whether it is ‘bundled’ or whether people in the household use smart phones to browse the internet. The study also recorded how much money people think they might save by switching and whether people had experienced ‘bill-shock’ (an unexpectedly high bill)

A Solidification Phenomenon in Random Packings

We prove that uniformly random packings of copies of a certain simply-connected figure in the plane exhibit global connectedness at all sufficiently high densities, but not at low densities

A controlled study of hostile-helpless states of mind among borderline and dysthymic women

The aim of this study was to determine whether women with borderline personality disorder (BPD) are more likely than those with dysthymia to manifest contradictory Hostile-Helpless (HH) states of mind. A reliable rater blind to diagnosis evaluated features of such mental representations in transcripts of Adult Attachment Interviews from 12 women with BPD and 11 women with dysthymia of similar socioeconomic status (SES), all awaiting psychotherapy. In keeping with three hierarchical (non-independent) a priori predictions regarding the mental representations of women with BPD, the results were that (a) all those with BPD, compared with half the group with dysthymia, displayed HH states of mind; (b) those with BPD manifested a significantly higher frequency of globally devaluing representations; and (c) they exhibited a strong trend toward identifying with the devalued hostile caregiver (58% BPD vs. 18% dysthymic). In addition, significantly more BPD than dysthymic patients made reference to controlling behavior towards attachment figures in childhood. These findings offer fresh insights into the nature of BPD and extend previous evidence concerning affected individuals' patterns of thinking and feeling about childhood attachment figures

Alien Registration- Lyons, Peter C. (Baldwin, Cumberland County)

https://digitalmaine.com/alien_docs/32991/thumbnail.jp

Peter Lyons to Unknown Person, December 10, 1785

Peter Lyons wrote from Hanover to an unknown person, address not included. He wrote about selling tobacco both in the states and in London and mentioned he was pleased with the sales of Mr. Gist, Mrs. Burton, and Captain Maconas. Mr. Burton was stationed in London, ad presumably, helped sell tobacco there. The possible recipient of the letter was Alexander Donald who was associated with the tobacco business and many of the people mentioned in the letter.https://digitalcommons.kean.edu/lhc_1780s/1337/thumbnail.jp