Digital Transformation of the Banking Industry in Developing Countries

Purpose:  The study's objective is to test the impact of digital transactions on banking performance. Based on the previous research and the actual situations, it has been recognized that the critical role of digital banking is in developing the banking industry, especially in developing countries.   Theoretical framework:  In the next section, the study presents background information to promote the research. The digital transformation has changed how customers use financial services. This has pushed banks to adapt more quickly to the wave of digital transformation if they don't want to lose their valuable customer base.   Design/methodology/approach:  the methodology applied uses POOL, FEM, REM, and FGLS models to examine the impact of banking transactions made by digital technology on the bank's deposit and lending revenue. This article studies banking operations on digital platforms from 2012 to 2019 in developing countries.   Findings: The article's findings showed that digital banks' flexible products and services bring many benefits with a high level of interaction, such as supporting the relationship between customers and banks and improving operating revenue.   Research, Practical & Social implications: Practical implications enhanced the development potential of digital banking is relatively large, stemming from the market demand development orientation of the banking industry.   Originality/value: The paper's originality and value help banks invest in digital technology as the way forward to better serve their customers

DISTRIBUTION OF USEFUL AND HARMFUL MICROORGANISMS IN SHRIMP AQUACULTURE WATER IN TIEN HAI COASTAL OF THAI BINH PROVINCE

Joint Research on Environmental Science and Technology for the Eart

Effects of oil and grape seed tannin extract on intakes, digestibility, milk yield and composition of Saanen goats

An experiment was conducted as a 4×4 Latin square design using 4 lactating Saanen goats, 19 months old and 47.9±1.04 kg of body weight, to evaluate the effect of oil and grape seed tannin extract (GSTE) supplementation on feed intake, digestibility, milk yield and milk composition. Each experimental period lasted for 21 days including 16 days for adjustment and 5 days for sampling. Goats were fed a control diet (Ctrl) consisting of 60% concentrate and 40% fresh Para grass (dry matter, DM, basis) while other 3 treatments were supplementation of 2.5% soybean oil (SO); 2.5% soybean oil + tuna fish oil at 3:2 w:w (SFO); 2.5% soybean oil + tuna fish oil at 3:2 w:w + 0.8% GSTE (OCT). The results showed that oil and GSTE did not affect feed intake, digestibility, milk yield and composition of goats (P > 0.05). However, digestibility of EE was higher (P < 0.05) in SFO and OCT diets (85.4% and 84.7%, respectively) compared with Ctrl (76.2%). Combined data suggested that feeding 2.5% oil blend with or without 0.8% GSTE increased EE digestibility in goats without affecting intake, animal performance and milk composition

NONLINEAR CHARACTERISTICS OF SQUARE SOLID-CORE PHOTONIC CRYSTAL FIBERS WITH VARIOUS LATTICE PARAMETERS IN THE CLADDING

Nonlinear characteristics of fused silica, solid-core photonic crystal fibers (PCFs) with a square array of air holes are studied numerically. We present a novel design that emphasizes the difference in air hole diameters in the photonic cladding. These PCFs have the advantages of flat dispersion, high nonlinearity, and low attenuation. Based on simulation results, three optimal structures, denoted #F1, #F2, and #F3, having anomalous and all-normal dispersions in the near-infrared range are selected to investigate characteristic properties at the pump wavelength. Such PCFs open up many possibilities for nonlinear optical applications, especially supercontinuum generation

INFLUENCE OF STRUCTURAL PARAMETERS ON OPTICAL CHARACTERISTICS OF PHOTONIC CRYSTAL FIBERS WITH CIRCULAR LATTICE

We demonstrate in this study that near-zero, ultra-flattened chromatic dispersion can be achieved over a wide range of wavelengths in photonic crystal fibers (PCFs) by means of slight variations in the geometrical parameters of the cladding. To do that, a new solid-core circular PCF design with various air hole diameters and lattice constants is presented, and the design features are numerically analyzed in detail. After 40 simulations, we determined three structures that possess optimal dispersion with the following lattice constants (Ʌ) and filling factors for the first ring (d1/Ʌ): Ʌ = 0.8 µm, d1/Ʌ = 0.45 for #F1, Ʌ = 0.9 µm, d1/Ʌ = 0.45 for #F2, and Ʌ = 1.0 µm, d1/Ʌ = 0.45 for #F3. High nonlinearity and low attenuation are outstanding features of our model. With these advantages, the proposed fibers are targeted for smooth flat broadband supercontinuum generation for near-infrared applications

EFFECT OF FISH SCALE COLLAGEN ON SOME CHARACTERISTICS AND DRUG RELEASE OF CARRAGEENAN/COLLAGEN/ALLOPURINOL FILM

ABSTRACT - QMFS2019Collagen from fish is attracting a lot of attention thanks to its high absorbance ability, biocompatibility as well as non-religious obstruction and cheap sources. It could be applied in many fields, for example: food, cosmetic, or biomedicine. Using of collagen also helps to reduce the environment pollution from fish scale waste in fish processing. In this study, collagen extracted from Vietnamese fresh-water tilapia fish scales was used in combination with carrageenan for the improvement of drug release control. The influence of fish scale collagen content on morphology, thermal behavior and drug release from carrageenan/collagen/allopurinol composite film was evaluated by methods such as field emission scanning electron microscopy (FESEM), differential scanning calorimetric (DSC) and ultraviolet-visible spectroscopy (UV-Vis). From the DSC data, FESEM analysis and drug release of carrageenan/collagen/allopurinol composite films, the most suitable collagen in composite film is 5 wt.%

EVALUATION OF THE VULNERABILITY OF THE COASTAL SOCIO-NATURAL SYSTEMS (EXAMPLE FROM KHANH HOA COASTAL ZONE)

Joint Research on Environmental Science and Technology for the Eart

PHÂN HUỶ MẪU ĐỂ XÁC ĐỊNH VI NHỰA TRONG CÁC BỘ PHẬN CỦA CÁ ĐỐI

In this study, a 10% KOH solution was used to decompose the meat, skin, and digestive system of mullets. The factors in each experiment are as follows: 1) VKOH:mmeat is 10/1 (mL·g–1), incubated at 25 °C for 72 h; VKOH:mskin is 15/1 (mL·g–1), incubated at 40 °C for 72 h; VKOH:mdigestive system is 20/1 (mL·g–1), incubated at 40 °C for 72 h. The actual sample images display microplastics in the surveyed parts of the mullets with different shapes and colours.Trong nghiên cứu này, dung dịch KOH 10% được sử dụng để phân huỷ thịt, da và hệ tiêu hoá của cá đối. Các yếu tố ảnh hưởng bao gồm tỉ lệ thể tích KOH:mẫu thịt là 10/1 (mL·g–1), ủ mẫu ở 25 °C trong 72 giờ; thể tích KOH:mẫu da là 15/1 (mL·g–1), ủ mẫu ở 40 °C trong 72 giờ; thể tích KOH:mẫu hệ tiêu hoá là 20/1 (mL·g–1), ủ mẫu ở 40 °C trong 72 giờ. Hình ảnh phân tích mẫu thực tế cho thấy sự tồn tại của vi nhựa trong các bộ phận nghiên cứu với hình dáng và màu sắc khác nhau

STUDY ON THE EFFECT OF CALCIUM-ALGINATE AND WHEY PROTEIN ON THE SURVIVAL RATE OF Bifidobacterium bifidum IN MAYONNAISE

ABSTRACT – QMFS 2019The functional food development by adding probiotic bacteria is getting a lot of concern. In this study, Bifidobacterium bifidum AS 1.1886 was encapsulated in calcium-alginate 2% w/v (C sample) or the mix of calcium-alginate 2% (w/v) and whey protein 1% (w/v) (CW sample) or calcium-alginate 2% (w/v) coated by whey protein 1% (w/v) (CcW sample) by extrusion method, and added to mayonnaise product. The pH changes, the survival rate of probiotic bacteria, and total yeast and mold count during storage, as well as the probiotic survival in simulated gastric medium, were evaluated. The result showed that the pH changes were not significantly different in all mayonnaise samples in this test. The viability of the free probiotic cell was significant decrease about 5.85 log CFU/g compared to 0.26 ÷ 1.14 log CFU/g in encapsulated cell samples after four weeks of storage. None of the free cells survived after six weeks of storage. The total yeast and mold count in samples related to the probiotic count, the viability of probiotic cells higher 6 log CFU/g might be controlling the growth of yeast and molds in mayonnaise. Whey protein has been shown to significantly improve the survival rate of B.bifidum and calcium-alginate coated by whey protein, indicating the most effective protection. The result showed that the application potential of encapsulated probiotic in mayonnaise product

Improving indigenous Vietnamese Black Rabbit frozen sperm quality: the role of glycine and sperm selection methods

[EN] Rabbit sperm are known to undergo damage during both cryopreservation and thawing, leading to decreased viability, motility and membrane integrity. Glycine can protect sperm and reduce damage during freezing. Swim-up is a simple semen processing method for selecting good motile sperm. The study evaluated the effect of the swim-up method and glycine with different concentrations supplemented to the frozen medium. Three indigenous black rabbits were selected for semen collection by artificial vagina. Next, semen was selected by swim-up method and diluted with glycine-added frozen medium. The samples were then transferred to 0.5 mL straws, cooled to 15°C and 5°C, placed in liquid nitrogen vapour, and finally placed directly into liquid nitrogen (-196°C). The samples were thawed and evaluated for sperm quality. The results showed that the medium supplemented with 10mM glycine in combination with swim-up method for 30 min gave the best results and was significantly different from the remaining concentrations (P<0.01), with viability rate, overall mobility and membrane integrity of 68.0%, 58.7% and 49.7%, respectively. In conclusion, 10 mM glycine concentration combined with swim-up for 30 min is the optimal choice for freezing local black rabbit semen. The study highlights the importance of optimising freezing protocols to improve the quality of frozen rabbit sperm, which can have important implications for animal breeding and conservation efforts.This study is funded in part by the Can Tho University, Code: T2022-133Tran, TTT.; Duy, NLK.; Hang, NT.; Ngoc, PK.; Tuyen, DND. (2023). Improving indigenous Vietnamese Black Rabbit frozen sperm quality: the role of glycine and sperm selection methods. World Rabbit Science. 31(4):229-236. https://doi.org/10.4995/wrs.2023.1969022923631