Factors influencing the acceptance of mobile banking services among students of higher education at Klang Valley in Malaysia

The mobile banking in Malaysia is still in its infancy stage and the reason to explain the acceptance as well as the understanding of the actual usage level of mobile banking services still remains unclear. Various models have been developed and proposed to increase the understanding of this issue. The proposed model of Decomposed Theory of Planned Behaviour was empirically evaluated by decomposing the attitude, perceived behavioural control, subjective norm, perceived risk and perceived trust. The decomposition approach adopted by models provide a detailed set of antecedents that could better explain the intention to adopt mobile banking. Data was collected through self administered survey questionnaire from 302 full time students in local public universities in Klang Valley, Malaysia. Structural Equation Modeling is the main statistical technique applied in this study. This study revealed that actual use of mobile banking recorded low level of usage. In particular, the study found that the attitude, perceived behavioural control and perceived trust are found to have a significant effect on the students‘ intention to use mobile banking except for subjective norm and perceived risk which were partially supported. However, on the antecedent effect of the main belief, the perceived ease of use and perceived security was found to have insignificant result. Overall, the result signifies that the model support a good understanding of the factors that influence the intention to use and actual usage of mobile banking. As expected, the main belief provides more decomposition of the specific factors that influence behaviour. Finally, limitations of the research and recommendations for future research are presented

MODELING CUTTINGS TRANSPORT MECHANISM IN HORIZONTAL WELL

Cuttings transport becomes a major problem to handle in oil and gas industry. It is a complex process to transport cuttings from vertical well and it is become more complex if the well is horizontal. Transporting cuttings from wellbore is important because if the well is inadequate in hole cleaning, it can lead to many serious problem. Since then, for the past few decades, many researches and studies have been made, objectively to understand in detail the mechanism of cuttings transport in wellbore. The problem was identified and researchers tried to come out with possible methods to overcome this problem. There are many models and methods have been developed to investigate the cuttings transport in wellbore. Mathematical model, empirical model, theoretical model, and also experimental work have been done in order to solve the problem. Some characteristics and parameters that affect the transportation process have been identified. In this project, the modeling using simulation's software is a new method used in study the cuttings transport mechanism in horizontal well. ANSYS II. 0 is used in this project as a tool in modeling and simulating the cuttings transport mechanism. The use of ANSYS I I .0 in modeling cuttings transport mechanism in horizontal well provides a simple workable method compared to experimental work. ANSYS 11.0 allowed user to investigate the unlimited parameters and the operational conditions of the wellbores also can be designed at any conditions. It means that, using this software eliminates all physical difficulties in study the cuttings transport mechanism. The main purpose of this project is to model a cuttings transport mechanism in horizontal well using ANSYS. The wellbore conditions will be design in this software and the investigation of the parameters that effect the transportation is done by comparing various set of parameters. Using two different sizes of particles, 0.185 inches and 0.274 inches, the simulation simulate three type of fluid with different density, 998.2 kg/m3 , I 198 kg/m3 , and 1497 kg/m3 by setting its annular velocity to 20 m/s, 40 mls, and 60 m/s. The result of the project is expected to be in graph diagram, where it compares all parameters

AGIHAN FARAID MELALUI KAEDAH AL-RADD (PULANGAN SEMULA) SEBAGAI MEKANISME KEBAJIKAN WARIS DAN AMALAN DI MALAYSIA: FARAID DISTRIBUTION THROUGH AL-RADD METHOD (REINSTATEMENT) AS A WELFARE MECHANISM FOR HEIRS AND ITS PRACTICE IN MALAYSIA

Kemelut pengurusan harta keluarga yang melibatkan harta pusaka semakin merumitkan saban hari sehingga memberi kesan kepada kebajikan waris. Pensyariatan hukum faraid yang meletakkan matlamat akhir iaitu memberi hak kepada yang berhak seharusnya dilihat secara menyeluruh dalam menyelesaikan kemelut ini. Kaedah al-radd (pulangan semula) merupakan sebahagian hukum faraid yang menumpukan kepada strategi untuk menghabiskan lebihan pusaka dengan menyerahkan semula kepada waris si mati yang ada terutama waris ashāb al-furūd. Justeru itu, makalah ini bertujuan untuk menjelaskan kedudukan al-radd sebagai satu kaedah agihan dalam hukum faraid. Tumpuan akan diberikan kepada pandangan ilmuan faraid berkaitan kaedah ini dan bentuk pengiraannya untuk menjaga kebajikan waris. Selain daripada itu, perbincangan akan menghuraikan sejauhmana penerimaan kaedah ini untuk diterima pakai di Malaysia. Untuk mencapai tujuan tersebut, penulisan ini adalah berbentuk kualitatif iaitu berdasarkan pengumpulan data yang memfokuskan metode kepustakaan. Analisis data memfokuskan nas-nas syarak dan huraian ilmuan fiqh berkaitan kaedah al-radd. Hasil kajian mendapati terdapat perselisihan pandangan mazhab fiqh dalam agihan faraid menggunakan kaedah al-radd. Keterikatan untuk menjadikan mazhab Syafie sebagai rujukan utama di Malaysia merupakan sebahagian kekangan untuk melaksanakan kaedah ini dan seterusnya menyebabkan kebajikan waris ashāb al-furūd tidak dapat dicapai.Kemelut pengurusan harta keluarga yang melibatkan harta pusaka semakin merumitkan saban hari sehingga memberi kesan kepada kebajikan waris. Pensyariatan hukum faraid yang meletakkan matlamat akhir iaitu memberi hak kepada yang berhak seharusnya dilihat secara menyeluruh dalam menyelesaikan kemelut ini. Kaedah al-radd (pulangan semula) merupakan sebahagian hukum faraid yang menumpukan kepada strategi untuk menghabiskan lebihan pusaka dengan menyerahkan semula kepada waris si mati yang ada terutama waris ashāb al-furūd. Justeru itu, makalah ini bertujuan untuk menjelaskan kedudukan al-radd sebagai satu kaedah agihan dalam hukum faraid. Tumpuan akan diberikan kepada pandangan ilmuan faraid berkaitan kaedah ini dan bentuk pengiraannya untuk menjaga kebajikan waris. Selain daripada itu, perbincangan akan menghuraikan sejauhmana penerimaan kaedah ini untuk diterima pakai di Malaysia. Untuk mencapai tujuan tersebut, penulisan ini adalah berbentuk kualitatif iaitu berdasarkan pengumpulan data yang memfokuskan metode kepustakaan. Analisis data memfokuskan nas-nas syarak dan huraian ilmuan fiqh berkaitan kaedah al-radd. Hasil kajian mendapati terdapat perselisihan pandangan mazhab fiqh dalam agihan faraid menggunakan kaedah al-radd. Keterikatan untuk menjadikan mazhab Syafie sebagai rujukan utama di Malaysia merupakan sebahagian kekangan untuk melaksanakan kaedah ini dan seterusnya menyebabkan kebajikan waris ashāb al-furūd tidak dapat dicapai. &nbsp

The Impact of Inflation Hedge Assets on Portfolio Optimizations for US and Canadian Investors

The research is based on “Gold: Inflation Hedge and Long-Term Strategic Asset.” paper by Dempster and Artigas (2010). Authors used basic portfolio for the US investor, which includes Corporate Bonds, US Treasuries, Equity US and Equity Ex-US. By adding, alternatively, the four potential inflation-hedges, researchers showed Gold as the most appropriate Long-Term Strategic Asset. In our research, we constructed basic investment portfolio for US and Canadian investors. For each case, alternatively, four potential Inflation Hedges, which are Gold, S&P GSCI Index, REITs and TIPS, were added to the basic portfolio. The optimization results are based on the post-crisis period from 2009 to 2016. The final results for the US suggest that Gold should be considered as a strong long-term strategic asset. For the Canadian case, Gold, and S&P GSCI tend to be appropriate long-term strategic assets, which should be added to the basic portfolio. Canadian REITs get allocation under base case assumptions but sensitivity analysis indicates that the results are not robust

Dilemma of project management in Oman

The state of Oman is mainly dependent on oil and petroleum products. However, construction is the second largest industry in Oman based on economic contribution. Due to high dependability in the construction industry, it is significant to highlight its problems and issues and measure its success. The study has introduced the construction industry and its basis in Oman. The study is mainly focused on the dilemma of the construction industry of Oman. Therefore, to analyze the conditions of the construction industry of Oman, a thorough literature review was conducted. Moreover, the project delays and cost overruns are analyzed based on the empirical data and literature analysis. This analysis is further extended to evaluate the private and public sectors of Oman in terms of project delays. Furthermore, Oman's sustainable development and green construction are also analyzed based on a thorough literature review and secondary data. Lastly, the impact of COVID-19 on the construction industry of Oman is evaluated based on the current conditions. The construction industry has catastrophically been affected by the lockdown situation due to the COVID-19. The study results are summed up in the discussion section

Rabin-RZ: a new efficient method to overcome Rabin cryptosystem decryption failure problem

We propose a new efficient method to overcome the 4 to 1 decryption failure for the Rabin cryptosystem by reducing the phase space of plaintext from M ε ℤ to M ε 22n-2, 22n-1 ⊂ ℤpq, where pq is a product of 2 strong primes and pq ε 22n, 22n+2. Instead of utilizing the pubic modulus N = pq, we use N = p2q. Upon decrypting by using the private modulus d = pq via the Chinese Remainder Theorem, we prove that there exist only one plaintext from the 4 roots obtained that will reside within the interval 22n, 22n+2. As a result, the decryption failure is overcome and this technique also enhances the decryption process for the Rabin cryptosystem. Furthermore, we make analytical comparison with other methods designed in previous literature to overcome the Rabin cryptosystem problem