Determinants of Continuance Intention to Use Mobile Money Transfer: An Integrated Model

Mobile Money Transfer (MMT) technology had become essential daily transactions in several developing countries. The unbanked population and those from low and middle-income classes mainly adopt this technology. In Somalia, two major telecommunication companies had introduced this technology especially in south-central regions in the country. Through MMT technology, citizens can send money to and receive from family members and friends, pay bills and other transactions and do shopping, selling, and buying from most of small and medium businesses. The present study examines the factors influencing users’ continuous intention to use MMT technology by employing an integrated model. Using self-administered questionnaire, the study’s data have been collected from a total of 398 consumers in all seventeen districts of Banadir region, Somalia. Structural Equation Modeling approach using SmartPLS 3 software was employed to test the hypothesized integrated model. The results suggested that perceived usefulness, trust, subjective norms and satisfaction have significantly contributed to MMT consumers’ continuous intention. In addition, this study addressed the antecedent factors for the major predictors, which were seldom explored in prior research. The results have presented practical and theoretical implications

Effects of Nutrient Deficiencies on the Root Regenerating Potential and Growth of Pinus caribaea and Pinus kesiya Seedlings

Successful plantation establishment requires the production of seedlings with high root regenerating potential (RRP) to beplanted in an enviroment which facilitates the production of new roots. Numerous factors in the nursery and in thefield influence RRP. This study examines the effects of a deficiency of two important essential elements, nitrogen and orphosphorus commonly deficient in tropical soils, on the RRP and growth of Pinus caribaea and Pinus kesiya seedlings. Given an adequate supply ofnutrients before transplanting in nutrient deficient sites, P. caribaea and P. kesiya showed a high capacity to regenerate root following root pruning and replanting into conditions oflimited nutrient supply (-N, -P& -NP). Seedlings grown inF (full nutrients) and -P conditions were taller and had thicker stem diameter than in -N or -NP. The results also show that P. kesiya had a higher RRP than P. caribaea despite the shorter mean height of the former species at the start ofthe experiment. The practical implication of the results to nursery cultural practices and tree establishment is discussed

Relaxed Three-Algebras: Their Matrix Representations and Implications for Multi M2-brane Theory

We argue that one can relax the requirements of the non-associative three-algebras recently used in constructing D=3, N=8 superconformal field theories, and introduce the notion of ``relaxed three-algebras''. We present a specific realization of the relaxed three-algebras in terms of classical Lie algebras with a matrix representation, endowed with a non-associative four-bracket structure which is prescribed to replace the three-brackets of the three-algebras. We show that both the so(4)-based solutions as well as the cases with non-positive definite metric find a uniform description in our setting. We discuss the implications of our four-bracket representation for the D=3, N=8 and multi M2-brane theory and show that our setup can shed light on the problem of negative kinetic energy degrees of freedom of the Lorentzian case.Comment: 31 pages, no figure

CHARACTERIZATION OF REFORMER TUBE CREEP DAMAGE BY ULTRASONIC ATTENUATION PATTERN AND MICROSTRUCTURAL CHANGES

Creep damage is a critical degradation mechanism in reformer tubes which experienced prolonged service periods at elevated temperature. Thus, continuous monitoring of creep is vital in ensuring plant integrity. Since creep damage relates to the changes in microstructure, characterization of creep using common ultrasonic attenuation and metallography techniques can be used. This project utilized the attenuation of ultrasonic wave in different tube samples and changes within the microstructure in characterizing the level of creep damage. The study was based on a failed reformer HK-40 catalyst tube by which the tube was cross-sectioned to the thickness corresponding to exposed temperature calculated based on heat transfer formulation. The sample was characterized in terms of ultrasonic wave attenuation, metallography and micro hardness. Results had shown that tube sample which had been exposed to higher temperature produced higher attenuation of ultrasonic wave, significant increase in carbide formation and hardness value while revealing a decrease in grain size than the sample exposed to lower temperature. Based on the results, it is clear that tube sample which had been exposed to higher temperature exhibits the characteristic of creep damage in tertiary stage, while the tube sample exposed to lower temperature are proved to be in secondary stage. In conclusion, creep damage can be evaluated based on ultrasonic wave attenuation and microstructural analysis

Environmental Migration From Egypt and Morocco: A Comparative Study

As economies continue to industrialize and grow, human activity and general changes in weather patterns have had an adverse effect on the global climate. Global temperature continues to rise creating changes in the climate of many different areas of the world, increasing the intensity of sudden and slow onset disasters. Less developed countries in the Middle East and North Africa particularly Egypt and Morocco are two economies that are negatively affected by certain dimensions of climate change. These dimensions of climate change have direct implications on internal and international migration patterns of these countries. Both countries rely on agriculture as a large part of their economy, and as climate change becomes worse, it will lead to an increase in climate migrants within these countries. Climate change will exacerbate migration, which will become a global crisis by the end of the 21st century due to the staggering number of climate migrants that will emerge