The media revival of evangelical seduction in cameroon

Our research is a contribution to the analysis of emergent practices in the mediatization of the Gospel. It mobilizes an intercultural approach of the appropriation of the TIC by social actors at ends of proselytism and propaganda. The mobilized problem is that of the seduction in the media revival of the neo-pentecostal leaders. By supporting us on an observation of the practices of the TVevangelism in Cameroon, we analyze the emergent social uses of the audio-usual mediums at ends of proselytism and propaganda. Our research reveals the interest to go beyond the deterministic analyses of the development of the TIC to propose an intercultural analysis which underlines the sociocultural contingency of the movement of emergence and development of the TIC. The aim is to propose an intercultural analysis which underlines the sociocultural contingency of the movement of emergence and development of the TIC in Africa.

Tedongmo Teko Tedongmo teko

Design and analysis of parallel flow heat exchanger with baffles

Shell and tube heat exchanger is the most common type of heat exchanger, widely used in oil refinery and other large chemical process. The energy present in the exit stream of many energy conversion devices such as I. C engines, Gas turbines etc. goes as waste, if not utilized properly. For example, the heat energy stored in the engine coolant can be utilized in a better way by recovering the heat for heating purposes inside the cabin. It is comparatively economical than the existing heating arrangements, which employ conventional heating coils. So, the present work has been carried out with a view to predicting the performance of a shell and tube heat exchanger in the field of waste heat recovery application. The objective of this project is to design a shell and tube heat exchanger and study the flow and temperature field inside the shell and tubes using ANSYS Fluent R14.5. An attempt has been made to calculate the performance of the above heat exchanger with and without baffles for parallel flow configurations, and the results so obtained have been compared.

Boopathy Govindarajan Boopathy govindarajan

Pharmacy student’s view about covid-19 vaccination in libya

Vaccination hesitation may affect the national efforts to slow down the spread of coronavirus among the population. This study was aimed to explore the views of final year pharmacy students at Faculty of Pharmacy, Elmergib University, Al kums, Libya towards COVID-19 vaccination. The study was conducted before the vaccine becomes available in Libya. A semi-structured questionnaire was distributed on March 14, 2021 to the fourth- year pharmacy students at Elmergib ‎University, Al khums Libya. Results showed a high degree of hesitancy towards vaccination against this virus (52.6%). Student's participants who said they would take the vaccine probably have said that because of their stress that caused by COVID-19 pandemic (47.4%). With regard to the gender, the participants’ views had no significant difference between male and female students on whether to take the vaccine or not (P = 0.825). In conclusion, hesitations towards vaccination and stress caused by student fear from the virus need to be addressed to minimize public reluctant to take the vaccine and to improve the education process during the pandemic.

Mediterranean Journal of Pharmacy and Pharmaceutical Sciences Mediterranean journal of pharmacy and pharmaceutical sciences

Factor influencing the tax planning behaviour among the salaried individuals

Indian Economy is the world's 06 th largest economy (2021 Nominal GDP) and 03 rd largest by purchasing power parity (2021 PPP). Salaried workers are a consistent group of tax paying citizens that give roughly 12% of overall revenue to a government through income tax. Due to which tax planning has assumed special importance for salaried individuals. All taxpayers in India have a variety of tax saving choices. These choices provide a variety of exclusions and deductions that help to reduce the total tax burden. Deductions are provided from Sections 80C through 80U, and qualifying taxpayers can claim them. Hence it is essential for the individual tax payer to know all their possible tax regulations and for tax compliance. It is totally legal and, in fact, a wise option when tax planning is done within the boundaries set by the relevant authorities. However the salaried individuals are not able to plan their taxes which results in opting for the wrong investment options. The objective of the study is to determine the level of awareness among the salaried individual on several tax planning methods offered on professional tax under the income tax act and to identify the factors influencing the tax planning behaviour of the salaried individuals..

Sabir Mujawar Sabir mujawar

Cross-sectional inquiry on employability and employment status of bachelor of secondary education graduates (2016-2018): a tracer study

Higher education institutions are expected to produce quality and competitive graduates for the job market and nation-building. In realizing this role, the Bukidnon State University needs to ensure that graduates may land a job-relevant and aligned with their education and training. With this, a tracer study was conducted to verify whether the three batches of graduates are employed and are employable. It ascertained their employability based on their work experience from graduation to the present job. It employed a cross-sectional method and data mining for the information of 326 graduates. The results revealed that the majority of graduates had jobs relevant to their education and training; yet, there was a significant difference in the employability of graduates across batches, except in terms of gender. Biological Science, Social Studies, and Math graduates were employable within the first six and twelve months compared to graduates from other curricula. It was claimed that the BukSU had prepared BSE graduates for employment. These results have implications for the strategic options in improving the programs. The study made some recommendations for future tracer initiatives.

Manuel Caingcoy Manuel caingcoy

Mokhtar r. haman: a dedication to his memory

It is with more sorrow and tremendous sadness we remember the death of our colleague the Libyan pharmacist, professor Mokhtar Ramadan Haman, at his home in Tripoli, Libya after long-suffering from brain cancer. He died on 02, February 2017 and his immaculate corpse was buried on the following day at the Souk-Al-Ahad cemetery, Bin Ghashir Palace. Professor Haman, was born in Tripoli, Libya, on January 1, 1957. He obtained his Bachelor of Pharmaceutical Sciences in 1981 at the University of Tripoli and his Ph.D. in Pharmacognosy in 1989 at Cardiff University, UK.

Mediterranean Journal of Pharmacy and Pharmaceutical Sciences Mediterranean journal of pharmacy and pharmaceutical sciences

Evaluation of the effects of thermal processing treatments on the nutrient and anti-nutrient composition of pigeon pea (cajanus cajan) seed flours

This study was carried out to evaluate the effects of thermal processing techniques on the nutrient and antinutrient contents of pigeon pea (Cajanus cajan) flours. The pigeon pea seeds were sorted, cleaned and divided into five equal lots of 0.5kg each. Four lots of pigeon pea seeds were processed into blanched, boiled, roasted, and autoclaved pigeon pea flours, while the fifth lot was processed raw and used as control. The raw and thermally processed samples obtained were analysed for nutrient and antinutrient composition using standard methods. The proximate composition of the samples showed that the flours had a range of 8.61 - 11.46 % moisture, 21.13 - 23.94 % crude protein, 1.26 - 1.68 % fat, 5.12 – 6.10 % crude fibre, 1.74 – 2.97 % ash, 55.56 – 60.41 % carbohydrate and 333.45 - 342.75 kJ/100g energy, respectively. The mineral composition showed that the flours contained 86.24 – 144.72 mg/100g calcium, 137.80 – 170.33 mg/100g magnesium, 125.86 - 156.76 mg/100g potassium, 66.66 – 95.62 mg/100g sodium, 4.38 – 6.64 mg/100g iron and 130.27 – 178.29 mg/100g phosphorus, respectively. The vitamin content of the flours were 3.09 - 4.33 mg/100g ascorbic acid, 0.05 - 0.17 mg/100g thiamine, 0.03 - 0.21 mg/100g riboflavin, 0.13 - 0.28 mg/100g niacin, 3.21 - 6.25 mg/100g vitamin A and 1.10 - 2.70 mg/100g vitamin E, respectively. The antinutrient composition of the flours also showed that the levels of trypsin inhibitor, tannin, phytate, oxalate, saponin and haemagglutinin ranged from, 2.30 – 5.61 Tiu/mg, 0.81 – 1.5mg/100g, 1.12 - 4.18mg/100g, 0.48-4.01 mg/100g, 1.28 – 3.66 mg/100g and 1.30 – 7.44 Hiu/g, respectively. Therefore, the study showed that thermally processed pigeon pea flours could be used as nutrient dense ingredients in the preparation of a wide range of foods for children, adolescents and aged adults especially in developing countries where the problems of protein-energy malnutrition and micronutrients deficiencies are prevalent than the raw sample.

OKECHUKWU OBED CHUKWUEMEKA Okechukwu obed chukwuemeka

The importance of employees' motivation and training on company performance in a family business

Business nowadays has no boundaries of time, place, or information, so any firm must evaluate its performance regularly to ensure long-term viability. This study aims to determine the impact of employees’ motivation and job training on company performance in a family business called PT Anugrah Mandiri. It is an automotive spare parts distribution company in Medan, Indonesia established in 2010. As a family business run by many family members, PT Anugrah Mandiri tends to undervalue the importance of providing motivation and delivering practical training to its employees. This results in most employees being overwhelmed, and the business performance is decreasing. As this study's quantitative research method shows, motivated and skilled employees are the keys to a successful firm. The instruments used to collect data are questionnaires about employees’ motivation, job training, and company performance, and then processed using SPSS. Saturation sampling is used as the sampling method by administering the questionnaires to 50 employees of PT Anugrah Mandiri. The data analysis tool in this study is a multiple linear regression by carrying out a classic assumption test continued by testing the partial hypothesis or t-test, the simultaneous hypothesis test or the F test, and the calculation of the coefficient of determination. The statistical result shows that company performance increases by 0.422 and 0.384 when employees’ motivation and job training increase by 1 unit. All hypotheses in this research are accepted, and it can be concluded that employees’ motivation and job training influence company performance.

L L

Beyond crystallography: diffractive imaging using coherent x-ray light sources

X-ray crystallography has been central to the development of many fields of science over the past century. It has now matured to a point that as long as good-quality crystals are available, their atomic structure can be routinely determined in three dimensions. However, many samples in physics, chemistry, materials science, nanoscience, geology, and biology are noncrystalline, and thus their three-dimensional structures are not accessible by traditional x-ray crystallography. Overcoming this hurdle has required the development of new coherent imaging methods to harness new coherent x-ray light sources. Here we review the revolutionary advances that are transforming x-ray sources and imaging in the 21st century.

Nima Fahimian, MD Nima fahimian, md

Iatrogenic pneumocephalus presenting as seizure: a rare case report

Pneumocephalus is a rare condition characterized by the presence of intracranial air, most commonly seen after head trauma or surgery. Although it is often asymptomatic, it can lead to serious complications such as tension pneumocephalus and seizures. This study presents a case of iatrogenic pneumocephalus and seizures that developed after a flap rotation operation in a patient with a history of craniotomy. An 82-year-old male patient presented to the emergency department shortly after flap rotation surgery with loss of consciousness and generalized tonicclonic seizures. Brain computed tomography revealed a left temporal bone defect and epidural air collection. Diffusion magnetic resonance imaging showed no acute ischemic lesion. The patient was initially started on levetiracetam, but due to side effects, he was switched to a combination of valproate and lamotrigine. The patient developed pneumonia during follow-up and was treated in the intensive care unit and discharged in stable condition. In patients who have previously undergone craniotomy, the risk of pneumocephalus should be considered even in minor surgical procedures, and early imaging should be performed when new neurological symptoms develop.

Karishma Karishma

Knowledge and practice on covid-19 among general public

COVID-19 is associate communicable disease caused by severe acute respiratory syndrome coronavirus. It's currently a virulent disease unfold moving several countries globally. The aim of this study is to assess the knowledge and practices of COVID-19 among general public at the selected setting, Chennai. The main objective was to assess the knowledge and practice on COVID-19, correlate the knowledge with practice on COVID-19, and associate the knowledge and practice on COVID-19 with the demographic variables among the public. A Quantitative non-experimental analysis style was used to assess the knowledge and practice of COVID-19. Sixty individuals were chosen through the non-probability convenience sampling technique. The findings of the analysis disclosed that the majority (40%) of the samples had a high level of knowledge and 43.3% of them had a good practice, 33.3% of them had a moderate level of knowledge and 30% of them had moderate practice, whereas 26.7% of them had a low level of knowledge and 26.7% of them had poor practice on COVID 19. Keywords:- COVID-19, Knowledge, Practice, Pandemic, General Public.

Elsi Queen Elsi queen

Systematic review : determinan faktor yang memengaruhi kepatuhan pengobatan pasien diabetes tipe 2 di indonesia

Kepatuhan terhadap terapi farmakologi merupakan kunci utama pengobatan penyakit diabetes, tetapi belum mendapat perhatian penuh oleh para klinisi. Beberapa systematic review faktor kepatuhan telah dilakukan di beberapa kawasan negara. Namun, tidak menampilkan studi dari Indonesia. Penelitian ini bertujuan untuk meninjau secara sistematis faktor-faktor yang dapat memengaruhi kepatuhan minum obat diabetes melitus (DM) di Indonesia. Systematic literature review dilakukan melalui pencarian pada database jurnal Nasional (Garuda dan Sinta) dan Internasional (PubMed dan Science Direct). Penelitian yang sesuai dengan kriteria inklusi dan dipublikasikan pada Januari 2011 – Desember 2020. Kualitas penelitian dinilai menggunakan panduan SQAT. Metode pelaporan penelitian menggunakan pedoman PRISMA. Faktor kepatuhan diklasifikasikan berdasarkan domain faktor kepatuhan menurut World Health Organization (WHO). Sebanyak 370 artikel ilmiah penelitian dari database Garuda (n=36); Science Direct (n= 108); PubMed (n= 18); Sinta (n= 208). 341 artikel penelitian dieksklusi, 29 artikel skrining full text, dan 16 artikel penelitian memenuhi kriteria inklusi untuk dianalisis. Faktor yang memengaruhi kepatuhan minum obat diabetes adalah faktor sosial dan ekonomi (penghasilan, tingkat pendidikan, dan pekerjaan), faktor tenaga dan sistem kesehatan (tenaga kesehatan), faktor terapi pasien (jumlah obat diabetes, frekuensi minum obat, dan produk obat), faktor penyakit pasien (kadar gula darah, durasi penyakit), faktor pasien (jenis kelamin, faktor emosional, dukungan sosial, tingkat pengetahuan, dan kepuasan pengobatan), dan faktor pengelolaan penyakit (konseling dan edukasi farmasi). Faktor yang memengaruhi kepatuhan minum obat DM di Indonesia sangat beragam, dan multi faktor. Faktor tersebut dapat berfungsi sebagai target intervensi yang relevan. Para klinisi perlu mempertimbangkan penyesuaian frekuensi minum obat dan pemberian dukungan sosial kepada pasien DM.

Much Ilham Novalisa Aji Wibowo Much ilham novalisa aji wibowo

Implementasi kurikulum 2013 di madrasah ibtidaiyah kahasri kota probolinggo tahun pelajaran 2018/2019

Madrasah Ibtidaiyah KAHASRI merupakan lembaga yang ditunjuk oleh Kementerian Agama RI untuk melaksanakan Kurikulum 2013 atau yang disebut K13 baik pada pembelajaran tematik maupun pembelajaran agama sesuai dengan Keputusan Direktur Jendral Pendidikan Islam Nomor 3525 tahun 2017 tentang Penetapan Pelaksanaan Kurikulum 2013. Berdasarkan latar belakang tersebut, maka fokus penelitian adalah: 1) Bagaimana perencanaan pembelajaran kurikulum 2013 di Madrasah Ibtidaiyah KAHASRI Kota Probolinggo Tahun Pelajaran 2018/2019? 2) Bagaimana pelaksanaan pembelajaran kurikulum 2013 di Madrasah Ibtidaiyah KAHASRI Kota Probolinggo Tahun Pelajaran 2018/2019?, 3) Bagaimana evaluasi pembelajaran kurikulum 2013 di Madrasah Ibtidaiyah KAHASRI Kota Probolinggo Tahun Pelajaran 2018/2019? Hasil penelitiannya adalah: 1) Perencanaan pembelajaran K13, guru di Madrasah Ibtidaiyah KAHASRI Kota Probolinggo membuat perangkat pembelajaran berupa Kalender Pendidikan, RPE, Prota, Promes, Silabus, dan RPP. Dalam pembuatan perangkat pembelajaran ada guru yang membuat perangkat pembelajaran secara individu dan ada yang dengan bersama KKG (Kelompok Kerja Guru). (2) Pelaksanaan pembelajaran K13 di Madrasah Ibtidaiyah KAHASRI Kota Probolinggo memiliki 3 kegiatan yaitu, kegiatan pendahuluan, inti, dan penutup. Pada kegiatan pendahuluan diawali dengan memberikan apersepsi, memberikan stimulus/motivasi, menyampaikan tujuan dan manfaat pembelajaran. Pada kegiatan inti guru telah melakukan kegiatan saintifik yang meliputi kegiatan mengamati, menanya, mencoba, mengasosiasi/mengumpulkan, dan mengkomunikasikan. Pada kegiatan penutup dilakukan dengan membuat kesimpulan dari materi yang telah dipelajari, merefleksikan materi yang diajarkan, dan memberikan tindak lanjut berupa penugasan. (3) Evaluasi pembelajaran K13 di Madrasah Ibtidaiyah KAHASRI Kota Probolinggo menggunakan model penilaian autentik yang meliputi 3 aspek yaitu: aspek sikap, aspek pengetahuan, dan aspek keterampilan.

EDUCARE: Journal of Primary Education Educare: journal of primary education

Natural resource conflicts and peace building in africa: towards resolving herdsmen-farmers conflicts in nigeria’s north-central geo-political zone.

The main objective of this study is to examine the relationship between globalization, resource conflicts and peace –building in Africa, with particular emphasis on Nigerian’s north-central geo-political zone. The wave of globalization that has swept across the world with its attendant socio-economic and political consequences lies at the heart of this study. The debate that is raging currently amongst intelligentsias, public analysts, and the international community point to the fact that the global system has suffered increasing setbacks occasioned by the impacts of globalization and contestation for scarce natural resource endowments. The changes that have emerged for several decades in both developed and developing nations, with the latter having a greater share of repercussions, have remained largely daunting. The multiplier effects of these changes have resulted in worsening crisis situations, with a fast growth rate of intra-state and/or trans-regionalized networked conflicts, which is why Africa and indeed Nigeria, has become a hotbed for contestations recently. This work adopts a qualitative approach as a method of investigation. This work relies on classic works of experts in the broader discipline of globalization and conflict resolutions, the essence of which is to clearly define ways of ensuring absolute peace in Nigeria’s north-central zone. The paper observes that guaranteeing peace-building requires the adoption of both vertical and horizontal approaches as templates for the realization of peace objectives.

Canice Erunke Canice erunke

Potential antibacterial activity of ethanolic fig and olive leaves extract against enterococcus faecalis

There has been an increasing awareness about the importance of herbal plants in therapeutic uses which are safe, efficient and induce little side effects This study was based on the evaluation of antibacterial activity of ethanolic extracts of the leaves of Oleaeuropaea (Olive tree) and Ficuscarica (Fig tree), alone and in combination, against enterococcus faecalis (E. faecalis) strain using well diffusion method and minimum inhibitory concentration. The results revealed that the Oleaeuropaea leave extract is more potent than the Ficuscarica leave extract against E. faecalis, as the zone of inhibition was 23 mm and 3 mm, respectively. By mixing both extracts, the results showed a slight synergistic effect, as the zones of inhibition were 20 mm, 24 mm, 24 mm and 25 mm for 1:1, 1:3, 1:6 and 1:9 ratios of the Oleaeuropaea leave and the Ficuscarica leave extracts, respectively. The minimum inhibitory concentration for E. faecalis growth was 200 mg/ml for the Oleaeuropaea leave alone, Ficuscarica and mixed with Ficuscarica. The present findings conclude a potent antibacterial activity of the olive and fig leave, and, their potential as a source of drug in the treatment of E. faecalis infections is suggested.

Mediterranean Journal of Pharmacy and Pharmaceutical Sciences Mediterranean journal of pharmacy and pharmaceutical sciences

Focus groups

A focus group is an investigative tool for social research based on a structured and focused discussion with a small group of people, run by a facilitator (moderator) to generate qualitative data through a set of open-ended questions. The focus group technique is a qualitative research methodology popularly used in social research in a wide range of sectors. A researcher uses a set of open-ended questions on a specific topic to generate qualitative data. The focus group is an efficient way of gathering data about particular opinions or attitudes by covering a large number of people in the same group. This entry explores the methodology and processes of focus groups as well as the analysis of data from focus group research.

Mukhles m. al-ababneh

Chapter 4.23 - vitamin e (tocopherols and tocotrienols) (natural-occurring antioxidant; bright and dark side). in: antioxidants effects in health. edited by seyed mohammad nabavi and ana sanches silva

Vitamin E is extensively available in the natural world and is produced by prototrophs such as plants, algae, and blue-green algae. Vitamin E is used as a dietary supplement, an antioxidant food stabilizer, a pharmaceutical additive, and a preservative in livestock feed. Several types of vitamin E can be differentiated by the position and number of the methyl functional group, and each form has a unique biological role. The function of antioxidants such as vitamin E is to defend cells from the effects of oxidative stress. Vitamin E is a free radical scavenger converted to vitamin E radical, then converted back to vitamin E by ascorbic acid. Vitamin E was discovered by Evans and Bishop in 1922; it has proved to be an effective nutrient for reproduction. It is also possible for vitamin E to act by a mechanism not directly linked to the inhibition of oxidation. Such non-antioxidant actions of vitamin E may result from gene regulation and specific cell signalling. The function of vitamin E in cellular signalling, especially its biological impact, is undoubtedly an imperative subject for future studies. The explicit roles of the several isomers and esters of vitamin E analogues should also be the subjects of future studies.

Dr. Salman Ahmed Dr. salman ahmed

Investigating students’ attitudes toward poverty and impoverished persons - a case study: ho chi minh city open university, data of vietnam

Efforts to understand the causes of poverty, how poverty is perceived have become important in the fight to mitigate poverty. In Vietnam, studies on the attitudes of poverty in specific populations, such as Vietnamese students, are rare. Thus, this dataset reports the results collected from 180 social work students and non-social work students of Ho Chi Minh City Open University through attitudes toward poverty and poor people in Vietnam. The Attitude toward Poverty Short Form 21-item scale, developed by Yun & Weaver, was used for the data collection. The survey results showed that when looking for causes of poverty, social work students and non-social work students put the most emphasis on structural factors of poverty. However, social work students, compared with non-social work students, consider personal deficiency and stigma more important. In future, this dataset can serve as a reference source for comparative studies on student’ attitudes toward poverty and impoverished persons and for social work education

Le Minh Tien Le minh tien

Pemanfaatan aplikasi smartphone untuk mengembangkan produk industri rumah tangga

Penggunaan aplikasi smartphoneuntuk memasarkan produk industri rumah tangga telah mendapatkan perhatian yang signifikan dalam beberapa tahun terakhir. Aplikasi seluler adalah alat yang efektif untuk pengembangan kewirausahaan, khususnya bagi wirausahawan muda, dengan potensi signifikan untuk meningkatkan jangkauan pasar dan keterlibatan pelanggan. Pengabdian masyarakat ini berlangsung di Rumah Rahpia, sebuah panti asuhan bergaya keluarga yang berperan penting dalam pengasuhandan pengembanganremaja di Medan, Indonesia. Kegiatan penyuluhan dan pendampingan dalam pemasaran produk dilakukan selama 4 bulan mulai dari Maretsampai Juni2022. Pemberdayaan generasi muda di panti asuhan dengan keterampilan kewirausahaan diyakini dapat berkontribusi terhadap pengembangan pribadi dan kesuksesan masa depan mereka. Selain itu, menumbuhkan kewirausahaan pada usia muda dapat membantu mereka membangun jalur karier yang realistis dan beradaptasi dengan tren global. Oleh karena itu, mendidik generasi muda di panti asuhan tidak hanya membekalimereka dengan keterampilan dan pengetahuan penting namun juga berkontribusi terhadap kesejahteraan dan prospek mereka secara keseluruhan. Melalui hasil wawancara dengan peserta menunjukkan bahwa penjualan produk meningkat dengan kualitas produk lebih baiksetelah dilakukannya kegiatan pengabdian kepada masyarakat ini.

L L

Antecedents of fintech adoption: an empirical study among millennials's attitude and intention

Purpose: With an increase in updated technologies use of Fintech services have also been increased. Intention to use of Fintech services largely depend upon attitude of individuals towards adoption of these services. Drawing upon the Technology Innovation Model (TAM) theory this paper observes different factors associated with customer’s attitude towards acceptance of fintech facilities provided by banks that in turn affect intent about usage of these services. The features like Supposed Utility, Apparent Comfort for Usage, Supposed Peril, Trust Factor, Administration Sustenance, Consumer Innovativeness, Attitudes in the direction of Acceptance, Intent in the direction of Adoption are used in this study. Methodology: The data was collected from residents of Delhi using a survey method through online mode. A well-structured questionnaire was circulated among customers with the help of employees of each branch by using the online platform WeChat. Also, Questionnaire was circulated among customers with the help of employees of each branch who gave them proper instructions to fill the questionnaire. It was circulated through WeChat. To inspect the strength of the association amid factors, , Confirmatory Factory Analysis (CFA) and regression path analysis were applied using SEM in AMOS software. Findings: The findings revealed that Government Support is a key predictive variable for the adoption of Fintech services. Whereas Perceived Ease of Use and Perceived Risk are not significantly supported the attitude towards adoption of Fintech services. While other factors slightly supported attitude towards adoption. Practical Implications: The findings of this article are useful for banks to provide empirical framework for customers to adopt new, user-centered fintech services. Originality/Value: This article in useful for the banking institutions, Government agencies and insurance companies provide empirical framework for customers to adopt new, user-centered fintech services.

Nandini Jagannarayan Nandini jagannarayan

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