Financial literacy,behavioral traits,and ePayment adoption and usage in Japan

This study investigates how financial literacy and behavioral traits affect the adoption of electronic payment(ePayment)services in Japan.We construct a financial literacy index using a representative sample of 25,000 individuals from the Bank of Japan’s 2019 Financial Literacy Survey.We then analyze the relationship between this index and the extensive and intensive usage of two types of payment services:electronic money(e-money)and mobile payment apps.Using an instrumental variable approach,we find that higher financial literacy is positively associated with a higher likelihood of adopting ePayment services.The empirical results suggest that individuals with higher financial literacy use payment services more frequently.We also find that risk-averse people are less likely to adopt and use ePayment services,whereas people with herd behavior tend to adopt and use ePayment services more.Our empirical results also suggest that the effects of financial literacy on the adoption and use of ePayment differ among people with different behavioral traits.

An Evaluation of Manure Management Strategies, Phosphorus Surface Runoff Potential and Water Usage at an Arkansas Discovery Dairy Farm

Manure management is an essential component of dairy production. Nutrient-laden, field-applied dairy manure often serves as a fertilizer source, but can also pose environmental threats if not properly managed. The Haak dairy farm, located in Decatur, Arkansas, was granted a permit by the Arkansas Department of Environmental Quality (ADEQ) to employ a unique method in treating and storing cattle manure generated during the milking process. This method includes minimizing water use in wash water, dry scraping solids to combine with sawdust for composting and pumping effluent underground into a sloped concrete basin that serves as secondary solid separator before transporting the manure effluent into an interception trench and an adjacent grassed field to facilitate manure nutrient uptake and retention. The Arkansas Discovery Farm program (ADF) is conducting research to evaluate the environmental performance of the dairy’s milk center wash water treatment system (MCWW) by statistical analysis, characterization of phosphorus (P) migration in soil downslope from the inception trench, temperature measurements, and nutrient analysis of a stored dry stack manure/sawdust mixture. Goals included determining possible composting effectiveness along with comparisons to untreated dairy manure and quantifying the use of on-farm water. Results from this research demonstrated that: 1) The MCWW was effective at retaining manure-derived nutrients and reducing field nutrient migration as the MCWW interception trench had significantly higher total nitrogen (TN) (804.2 to 4.1), total phosphorus (TP) (135.6 to 1.5), and water extractable phosphorus (WEP) (55.0 to 1.0) concentrations in milligrams per liter (mg⋅L-1) than the downhill freshwater pond respectively;2) temperature readings of the manure dry stack indicated heightened levels of microbial and thermal activity, but did not reach a standard composting temperature of 54°C;3) manure dry stack nutrient content was typically higher than untreated dairy manure when measured on a “dry basis” in ppm, but was lower on an “as is basis” in ppm and kg/metric ton;and 4) water meter readings showed that the greatest use of on-farm water was for farm-wide cattle drinking (18.77), followed by water used in the milking center (3.45) and then followed by human usage (0.02) measured in cubic meters per day (m3⋅d-1). These results demonstrate that practical innovations in agricultural engineering and environmental science, such as the Haak dairy’s manure treatment system, can effectively reduce environmental hazards that accompany the management of manure at this dairy operation.

The Evaluation of Social Sharing Nets Users’ Fundamental Principals According to Nickname Usage and Time Spent

This work;It was made to determine the positive and negative usage information, attitudes and behaviors of social networking networks for users. Today, it is well known how the wide social effects of social networking sites are widespread and effective. As far as it can be followed from written and visual media, it causes significant damages for attitudes and behaviors for individuals. Looking at the results of the study, it seems impossible to limit the time and necessity of these networks for people, but it is understood that people force their limits and capacity. It was determined that the general acceptance and rejection areas are mixed and the dominant distinctive effects were weakened. Unable to prevent social dissolution and deterioration was realized by these social networks of networks. However, we cannot only talk about negative effects because their positive effects should be mentioned. Data were obtained in this direction. For example, some segments encourage the users of these sites to have more freedom, to develop democracy and human rights awareness. However, the real problem is when and where to stand. This study;Social networking networks use information, attitudes and behaviors;It was carried out for the purpose of evaluating the use of nicknames and networks for the use of networks. The data of the study were obtained by the application of a questionnaire and the data obtained were analyzed with appropriate statistical analysis methods. In the first part of the study, field study/operational concept scanning is performed and theoretical information is included. In the second part, the purpose of the study, the problem status, the importance of the study, limitations, assumptions, problem question, research method, research universe and sample are specified and informed. In the third section, the data obtained using appropriate statistical methods are analyzed. In the last section, some important suggestions and comments are made in the light of the data obtained.

基于Usage Metrics的中文学术论文用户平台偏好和兴趣偏好比较研究

研究中文学术论文用户使用模式有助于分析使用规律,为应用决策提供依据。本文以八个学科被CSSCI或CSCD收录的61本开放获取期刊发表于2014—2015年的学术论文为样本,以期刊官网和信息集成平台上的使用数据为来源,采用Usage Metrics的方法,从用户平台偏好和用户兴趣偏好两方面比较中文学术论文的用户使用模式。研究发现:(1)期刊官网与信息集成平台的用户平台偏好存在差异。一是从学科视角看,用户整体上倾向于使用期刊官网而不是信息集成平台获取所需论文,而社会科学的信息集成平台篇均下载次数均大于自然科学。二是从期刊视角看,社会科学用户比自然科学用户更倾向于使用信息集成平台获取所需论文;与信息集成平台相比,期刊官网的用户下载数据呈现更为明显的"两级分化"现象;期刊官网下载次数与信息集成平台下载次数整体上的相关性较低。(2)期刊官网与信息集成平台的用户兴趣偏好存在差异。每本期刊官网和信息集成平台下载次数前20%的学术论文的Jaccard相似系数较低;在所列举的图书馆、情报与文献学中,期刊官网与信息集成平台的用户关注主题不同。

Web Usage Mining技术在E-learning中的应用

E—learning取得成功的关键是能否跟踪学员的浏览行为 ,为他们提供个性化的服务 ,WebUsageMining技术使这些成为可能。本文探讨和研究了WebUsageMining技术在E

对高中英语“Grammar and usage”展示课的反思

以牛津英语模块1 Unit1 Grammar and usage展示课为例,从Grammar and usage板块的教学意义、教学现状、课堂教学策略三个方面反思Grammar and usage展示课。

Deciphering codon usage patterns and evolutionary forces in chloroplast genes of Camellia sinensis var. assamica and Camellia sinensis var. sinensis in comparison to Camellia pubicosta

Codon usage bias(CUB) is a unique property of genome which refers to non-random usage of synonymous codons in coding sequences. The present study makes an attempt to find out the pattern of CUB in chloroplast(cp) genes among three tea species, i.e., Camellia sinensis var. assamica(Assam tea), Camellia sinensis var. sinensis(Chinese tea) and Camellia pubicosta(wild tea species) as no work on CUB was reported earlier. To understand the patterns of codon usage among the cp genes of three tea groups, we used bioinformatic tools to investigate the protein coding sequences of cp genes. In our present study, the mean nucleobase T was the highest whereas C was the lowest in all the three tea groups. The overall AT content was more than GC content, i.e., genes were AT rich. The scaled chi-square(SCS) value indicated that the CUB of cp genes was low. The codon CGT(Arg) was over-represented in C. sinensis var. sinensis whereas GGA(Pro) was over-represented in C. pubicosta species. Heatmap study revealed that most of the GC ending codons showed positive correlations between codon usage and GC3 while AT ending codons exhibited negative correlations. From neutrality plot analysis, it was evident that natural selection had played a major role, while mutation pressure exerted a minor effect in the CUB of cp genes in three tea groups. Highly significant(P<0.01) positive correlation was found between SCS and synonymous codon usage order(SCUO) of cp genes which suggested that high expression of cp genes was associated with high degree of CUB.

Effects of Community Community Communication Technology(ICT) Usage on Community Satisfaction: Case Study in Nanjing, China

Future or smart community, which mainly refers to the development of community information and communication technology(ICT) platforms or devices, has received considerable attention from urban governments and scholars. However, only a few studies have been conducted to test the actual effects of using these community ICT platforms or devices on the community satisfaction of residents. Therefore, the present study conducts a survey in 40 communities in Nanjing, China and uses a mixed linear regression model to determine the relationship between community ICT usage and community satisfaction. Results indicate that residents with high-level community ICT usage are more satisfied with their community than those with low-level community ICT usage. Moreover, evident differences are observed regarding the influence of new commodity, old commodity and affordable housing communities in Nanjing. These findings are meaningful for the construction and development of future communities.

Analysis of Codon Usage Pattern of Banana Basic Secretory Protease Gene

[Objective] The objective of this study was to understand the codon usage bias pattern of banana pathogenesis-related 17 gene, Basic Secretory Protease gene(MaBSP). [Method] Relative codon usage patterns of MaBSP were calculated using the software CodonW version 1.4.2. and the web-based tool(http://kazusa.or.jp/codon/).[Result] Our findings showed that C-ended and G-ended codons were the most preferential except the TER codon UGA which was coded for by just one codon. The ENc value, relationship between AT bias and GC bias, Random synonymous codon usage(RSCU) and CAI all showed that codon bias usage existed in MaBSP gene.[Conclusion] The codon usage patterns of MaBSP gene is principally influenced by natural selection in the third position. However, other multiple factors also influence this pattern.

A unified model for diagnosing energy usage abnormalities in regional integrated energy service systems

An integrated energy service company in an industrial park or commercial building is responsible for managing all energy sources in their local region, including electricity, water, gas, heating, and cooling. To reduce energy wastage and increase energy utilization, it is necessary to perform efficiency analyses and diagnoses on integrated energy systems(IESs). However, the integrated energy data necessary for energy efficiency analyses and diagnoses come from a wide variety of instruments, each of which uses different transmission protocols and data formats. This makes it challenging to handle energy-flow data in a unified manner. Thus, we have constructed a unified model for diagnosing energy usage abnormalities in IESs. Using this model, the data are divided into working days and non-working days, and benchmark values are calculated after the data have been weighted to enable unified analysis of several types of energy data. The energy-flow data may then be observed, managed, and compared in all aspects to monitor sudden changes in energy usage and energy wastage. The abnormal data identified and selected by the unified model are then subjected to big-data analysis using technical management tools, enabling the detection of user problems such as abnormalities pertaining to acquisition device, metering, and energy usage. This model facilitates accurate metering of energy data and improves energy efficiency. The study has significant implications in terms of fulfilling the energy saving.

Curtailing Carbon Usage with Addition of Functionalized NiFe2O4 Quantum Dots:Toward More Practical S Cathodes for Li-S Cells

Smartcombination of manifold carbonaceous materials with admirable functionalities(like full of pores/functional groups,high specific surface area) is still a mainstream/preferential way to address knotty issues of polysulfides dissolution/shuttling and poor electrical conductivity for S-based cathodes.However,extensive use of conductive carbon fillers in cell designs/technology would induce electrolytic overconsumption and thereby shelve high-energy-density promise of Li-S cells.To cut down carbon usage,we propose the incorporation of multi-functionalized NiFe2O4 quantum dots(QDs) as affordable additive substitutes.The total carbon content can be greatly curtailed from 26%(in traditional S/C cathodes) to a low/commercial mass ratio(~5%).Particularly,note that NiFe2O4 QDs additives own superb chemisorption interactions with soluble Li2Sn molecules and proper catalytic features facilitating polysulfide phase conversions and can also strengthen charge-transfer capability/redox kinetics of overall cathode systems.Benefiting from these intrinsic properties,such hybrid cathodes demonstrate prominent rate behaviors(decent capacity retention with ~526 mAh g^-1 even at 5 A g^-1) and stable cyclic performance in LiNO3-free electrolytes(only ~0.08% capacity decay per cycle in 500 cycles at 0.2 A g^-1).This work may arouse tremendous research interest in seeking other alternative QDs and offer an economical/more applicable methodology to construct low-carbon-content electrodes for practical usage.

IMPROVING THE INTERESTINGNESS OF WEB USAGE MINING

Improvement on mining the frequently visited groups of web pages was studied. First, in the data preprocessing phrase, we introduce an extra frame filtering step that reduces the negative influence of frame pages on the result page groups. Through recognizing the frame pages in the site documents and constructing the frame subframe relation set, the subframe pages that influence the final mining result can be efficiently filtered. Second, we enhance the mining algorithm with the consideration of both the site topology and the content of the web pages. By the introduction of the normalized content link ratio of the web page and the group interlink degree of the page group, the enhanced algorithm concentrates more on the content pages that are less interlinked together. The experiments show that the new approach can effectively reveal more interesting page groups, which would not be found without these enhancements.

Health care service usage and costs for high-needs elderly patients with heart failure

Heart failure(HF)has been defined as global disease of pandemic proportions,since it affects around 26 million people worldwide.[1]According to a recent study,age is the most important factor influencing the prevalence of HF,as it is for most other chronic conditions.[2]This means that,with the predicted aging of the population(the proportion of the world’s population aged 60 years and over will nearly double from 2015 to 2050),[3]there will be a growth in the total burden of HF,and a rise in the number of comorbidities in HF patients.According to a recent study,almost 86%of adults with HF have two or more comorbid conditions.[4]Comorbidity,defined as the co-existence of one or more additional conditions in individuals with a specified index medical condition,[5]adds to the complexity of treating elderly patients with HF.

Web Usage Mining在远程教育中的应用研究

随着互联网在世界范围内的迅速普及,基于Web挖掘技术的现代远程教育也得到了快速发展。Web Usage Mining技术使远程教育摆脱传统单一的教学模式,走向个性化学习道路成为可能。探讨和研究了Web Usage Mining技术在现代远程教育中的应用途径。

Try Analyzing the Usage of Monkshood in Gynecology

This paper centers on the usage of monkshood in gynecology and tries to analyze why monkshood is rarely mentioned in nowa days' teaching

Usage of fresh medicinal plants and users′perceptions in Singapore

OBJECTIVE To gather information regarding the usage of fresh medicinal plants and users′perceptions via face-to-face interviews.To date,there is no published report of firsthand account of their usage in Singapore.Such important information may be permanently lost if not properly collated in time.METHODS Information on demographic data,plant-use methods and perception of usage was collated.Participants were recruited via the local newspapers,by word of mouth etc.The survey protocol was approved by the NUS Institutional Review Board.Fresh plant samples/photographs were obtained from the users and voucher specimens were kept.RESULTS Two hundredusers who have used a total of 103 species of fresh medicinal plants anytime in the last 5years participated in the survey.The five most commonly used plants were Clinacanthusnutans(34 users),Strobilanthescrispus(31 users),Pereskiableo(25 users),Aloe vera(18 users),and Zingiberofficinale(16 users).The top 3 most commonly cited medical conditions were diseases of respiratory system(50 users),neoplasm(29 users)anddiseases of circulatory system(20 users).A total of 173 users(86.5%)did not consult any healthcare professional for advice about plant usage,and only one user consulted the pharmacist.Some of the common reasons given for using fresh medicinal plants were recommendation by others(150,75.0%),efficacy(137,68.5%),and safety(117,58.5%).Most users(170,85.0%)were satisfied or highly satisfied with the outcome of plants used.CONCLUSION Two hundred users of fresh medicinal plants have been successfully interviewed and the information documented systematically in a database.The results suggest that fresh medicinal plants have a role to play in healthcare in modern society.The information collated will serve as a useful resource for identifying promising plants for future drug discovery efforts.

TrustControl:Trusted Private Data Usage Control Based on Security Enhanced TrustZone

The past decade has seen the rapid development of data in many areas.Data has enormous commercial potential as a new strategic resource that may efficiently boost technical growth and service innovation.However,individuals are becoming increasingly concerned about data misuse and leaks.To address these issues,in this paper,we propose TrustControl,a trusted data usage control system to control,process,and protect data usage without revealing privacy.A trusted execution environment(TEE)is exploited to process confidential user data.First of all,we design a secure and reliable remote attestation mechanism for ARM TrustZone,which can verify the security of the TEE platform and function code,thus guaranteeing data processing security.Secondly,to address the security problem that the raw data may be misused,we design a remote dynamic code injection method to regulate that data can only be processed for the expected purpose.Our solution focuses on protecting the sensitive data of the data owner and the function code of the data user to prevent data misuse and leakage.Furthermore,we implement the prototype system of TrustControl on TrustZone-enabled hardware.Real-world experiment results demonstrate that the proposed Trust-Control is secure and the performance overhead of introducing our prototype system is very low.

Design of an Intelligent Usage Parameter Control in ATM Networks

This paper presents the principle of the fuzzy associate memory controlled leaky bucket (FAMLB) and several concepts for Usage Parameter Control (UPC) in ATM networks. The multiplex weight and random fuzzy rules adjustment method in the system architecture are introdued. The conclusions show that the FAMLB is a better dynamic method of UPC than the traditional ones.

Vietnam’s Future Water Usage Model: A Controlled Living Experiment

The purpose of this study was to explore the water usage profile of future Vietnamese households by carrying out a controlled living experiment with Vietnamese high-income households. By studying showering time, flow rate and toilet-use frequency of these households, the study revealed the water usage believed to be representative of future households in light of continued urbanization. This study also determined that the average time of showering was 9.7 minutes per person per day with an average flow rate of 12 L/minute for the existing shower head and 6.6 L/minute for the water-saving shower head. Toilet usage frequency was 5.25 times per person per day, and there was no difference with the results for an average (middle-income) household.

Water Usage Patterns and Water Saving Devices in Households: A Case of Eastleigh, Nairobi

Water conservation measures are rapidly becoming a necessity in urban environments all over Africa and the world. There is little innovation and available information for homeowners, building professionals and practitioners to guide towards water conservation. Water scarcity has progressively increased over periods of time in Eastleigh due to increased population density from increased high-rise apartments. The study tries to establish how water usage patterns and water conservation devices can potentially reduce water consumption levels. In the study area, 96% of the families are faced with problems related to water supply and hence are forced to come up with water conservation and adaptation strategies due to the scarcity of water. The study used survey and descriptive research design, and collected data on water usage patterns and water conservation devices from a total of 230 households in Biafra and Sewage estates in the Eastleigh neighbourhood. The results indicated that 76% of the households did not have water saving devices while the other 24% had water saving devices such as the dual flush toilets, low flow high-efficiency faucet aerators, low flow plumbing fixtures and automatic shut-off nozzles. A unit increase in water saving devices will lead to a 0.512 decrease in water consumption level. The study recommends that low-income households use water saving devices and develop water management strategies such as water-saving plumbing fixtures, rainwater harvesting, and grey water reuse.