Fintech innovations are enabling access to financial services through mobile devices for many unbanked in the world. Though fintech innovations are touted as game changers in deepening financial ...inclusion, their wide acceptance and use still remain limited. In the extant literature, technological and behavioural antecedents that influence users’ behaviour toward financial technologies are not fully understood. This study argues that understanding antecedents to the actual use of fintech innovations will lead to deepening financial inclusion. Using mobile money—a type of fintech innovation, this study adopts the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and the Prospect theory. Drawing on survey data collected from 294 respondents, this study applies the partial least square structural equation modelling technique. The findings show that performance and effort expectancy have significant relationship with the intention to use mobile money services. However, contrary to well-established positions, price value, hedonic motivation, social influence and perceived risk do not influence intention and use of mobile money services. The study makes significant theoretical contributions and offers practical and policy implications for deepening financial inclusion.
•Mobile money—a form of fintech innovation enables financial transactions through mobile devices.•Wide acceptance and use of mobile money remain limited despite its potential to address financial inclusion.•This study unearths antecedents to the actual use of mobile money services towards addressing financial inclusion.•This study adopts the Unified Theory of Acceptance and Use of Technology and the Prospect Theory.•This study applies the partial least square structural equation modelling technique.
Global sourcing and increased interdependencies between organisations have created more complex multi-tier supply chains. While these supply chains have been instrumental in keeping the world moving, ...they equally pose sustainability issues. In the extant literature, there is a growing number of studies on sustainable multi-tier supply chains. However, there has been limited effort to take stock of existing research to set an agenda for future studies. To address this gap, this study reviews 64 articles through the lens of the triple bottom line theory. Based on the findings, the study develops a framework for sustainable multi-tier supply chains and provides direction for future research.
A
bstract
We report a new measurement of the
e
+
e
−
→
ϒ(
nS
)
π
+
π
−
(
n
= 1
,
2
,
3) cross sections at energies from 10
.
52 to 11
.
02 GeV using data collected with the Belle detector at the KEKB ...asymmetric-energy
e
+
e
−
collider. We observe a new structure in the energy dependence of the cross sections; if described by a Breit-Wigner function its mass and width are found to be
M
=
10752.7
±
5.9
−
1.1
+
0.7
MeV
/
c
2
and
Γ
=
35.5
−
11.3
−
3.3
+
17.6
+
3.9
MeV, where the first error is statistical and the second is systematic. The global significance of the new structure including systematic uncertainty is 5.2 standard deviations. We also find evidence for the
e
+
e
−
→
ϒ (1
S
)
π
+
π
−
process at the energy 10
.
52 GeV, which is below the
B
B
¯
threshold.
A
bstract
We report a measurement of the electric dipole moment of the
τ
lepton (
dτ
) using an 833 fb
−
1
data sample collected near the Υ(4
S
) resonance, with the Belle detector at the KEKB ...asymmetric-energy
e
+
e
−
collider. Using an optimal observable method, we obtain the real and imaginary parts of
d
τ
as Re(
d
τ
) = (
−
0
.
62
±
0
.
63)
×
10
−
17
e
cm and Im(
d
τ
) = (
−
0
.
40
±
0
.
32)
×
10
−
17
e
cm, respectively. These results are consistent with null electric dipole moment at the present level of experimental sensitivity and improve the sensitivity by about a factor of three.
A
bstract
Charged-lepton-flavor-violation is predicted in several new physics scenarios. We update the analysis of
τ
lepton decays into a light charged lepton (
ℓ
=
e
±
or
μ
±
) and a vector meson (
...V
0
=
ρ
0
,
ϕ
,
ω
,
K
*0
, or
K
¯
*0
) using 980 fb
−
1
of data collected with the Belle detector at the KEKB collider. No significant excess of such signal events is observed, and thus 90% credibility level upper limits are set on the
τ
→
ℓV
0
branching fractions in the range of (1.7–4
.
3) × 10
−
8
. These limits are improved by 30% on average from the previous results.
A
bstract
Charged lepton flavor violation is forbidden in the Standard Model but possible in several new physics scenarios. In many of these models, the radiative decays
τ
±
→
ℓ
±
γ
(
ℓ
=
e, μ
) are ...predicted to have a sizeable probability, making them particularly interesting channels to search at various experiments. An updated search via
τ
±
→
ℓ
±
γ
using full data of the Belle experiment, corresponding to an integrated luminosity of 988 fb
−
1
, is reported for charged lepton flavor violation. No significant excess over background predictions from the Standard Model is observed, and the upper limits on the branching fractions,
B
(
τ
±
→
μ
±
γ
) ≤ 4
.
2 × 10
−
8
and
B
(
τ
±
→
e
±
γ
) ≤ 5
.
6 × 10
−
8
, are set at 90% confidence level.
A
bstract
We report a search for the charged-lepton flavor violation in Υ(2
S
) →
ℓ
∓
τ
±
(
ℓ
=
e, μ
) decays using a 25 fb
−
1
Υ(2
S
) sample collected by the Belle detector at the KEKB
e
+
e
−
...asymmetric-energy collider. We find no evidence for a signal and set upper limits on the branching fractions (
B
) at 90% confidence level. We obtain the most stringent upper limits:
B
(Υ(2
S
)
→ μ
∓
τ
±
)
<
0
.
23
×
10
−
6
and
B
(Υ(2
S
)
→ e
∓
τ
±
)
<
1
.
12
×
10
−
6
.
Objective
The aims of this study were to investigate: (1) the prevalence and unadjusted and adjusted odds of 12‐month generalized anxiety disorder (GAD) among adults with migraine in comparison to ...those without migraine; (2) If debilitating pain and/or limitations in instrumental activities of daily living (IADLs) are mediators of the migraine‐GAD association; and (3) Factors associated with past year GAD among adults with migraine.
Methods
Secondary data analysis of the nationally representative 2012 Canadian Community Health Survey‐Mental Health (CCHS‐MS), a population‐based survey of community dwellers with a response rate of 68.9%. The first subsample included those with (n = 2232) and without migraine (n = 19,270), and the second subsample was restricted to those with migraine (n = 2232). GAD was based on the WHO‐CIDI scale.
Results
Fully, 6% of those with migraines had past year GAD in comparison of 2.1% of those without migraine (P < .001). The socio‐demographically adjusted odds of past year GAD were two and a half times higher among those with migraine than those without (OR= 2.46; 95% CI = 2.00, 3.02). A path analysis indicated that debilitating pain and limitations in IADLs were mediators in the relationship between migraine and GAD. In the sample restricted to migraineurs, the factors associated with higher odds of 12‐month GAD included having a university degree, having low income, being without a confidant, and being male.
Conclusions
Generalized anxiety disorder is robustly associated with migraine and targeted outreach and interventions are warranted.
PurposeThe purpose of this study is to investigate and explain pathways through which mobile money can improve financial inclusion.Design/methodology/approachThe study used 294 survey responses from ...mobile money users in Ghana. The data were analysed using fuzzy set qualitative comparative analysis (fsQCA).FindingsThe findings reveal four pathways for improving financial inclusion through mobile money. In addition, the study identified three distinct user topologies as well as their associated pathways through which mobile money can be used to improve financial inclusion.Practical implicationsManagers and financial service organisations need to design products and services to align with different pathways and user topologies to improve financial inclusion through mobile money. Moreover, they need to take into account people’s diverse social and economic backgrounds.Originality/valueThe study makes theoretical and empirical contributions by unpacking pathways through which mobile money can improve financial inclusion. In addition, this study reveals three distinct user topologies, being ease-of-use, behavioural intention and coverage-price-service driven and associated pathways through which mobile money can improve financial inclusion. These pathways and user topologies are important to tailor mobile money services and financial inclusion policies. Lastly, this study is arguably the first to utilise the unified theory of acceptance and use of technology (UTAUT) in fsQCA to extend the mobile money literature.
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