Bone marrow-derived mesenchymal stem cell-derived exosomeloaded miR-129-5p targets high-mobility group box 1 attenuates neurological-impairment after diabetic cerebral hemorrhage

BACKGROUND Diabetic intracerebral hemorrhage(ICH)is a serious complication of diabetes.The role and mechanism of bone marrow mesenchymal stem cell(BMSC)-derived exosomes(BMSC-exo)in neuroinflammation post-ICH in patients with diabetes are unknown.In this study,we investigated the regulation of BMSC-exo on hyperglycemia-induced neuroinflammation.AIM To study the mechanism of BMSC-exo on nerve function damage after diabetes complicated with cerebral hemorrhage.METHODS BMSC-exo were isolated from mouse BMSC media.This was followed by transfection with microRNA-129-5p(miR-129-5p).BMSC-exo or miR-129-5poverexpressing BMSC-exo were intravitreally injected into a diabetes mouse model with ICH for in vivo analyses and were cocultured with high glucoseaffected BV2 cells for in vitro analyses.The dual luciferase test and RNA immunoprecipitation test verified the targeted binding relationship between miR-129-5p and high-mobility group box 1(HMGB1).Quantitative polymerase chain reaction,western blotting,and enzyme-linked immunosorbent assay were conducted to assess the levels of some inflammation factors,such as HMGB1,interleukin 6,interleukin 1β,toll-like receptor 4,and tumor necrosis factorα.Brain water content,neural function deficit score,and Evans blue were used to measure the neural function of mice.RESULTS Our findings indicated that BMSC-exo can promote neuroinflammation and functional recovery.MicroRNA chip analysis of BMSC-exo identified miR-129-5p as the specific microRNA with a protective role in neuroinflammation.Overexpression of miR-129-5p in BMSC-exo reduced the inflammatory response and neurological impairment in comorbid diabetes and ICH cases.Furthermore,we found that miR-129-5p had a targeted binding relationship with HMGB1 mRNA.CONCLUSION We demonstrated that BMSC-exo can reduce the inflammatory response after ICH with diabetes,thereby improving the neurological function of the brain.

TAM-based Study on Factors Influencing the Adoption of Mobile Payment

This study uses TAM to examine the factors that influence the adoption of mobile payment in China.The proposed model is empirically evaluated based on TAM by using data collected from 370 users concerning their perceptions of mobile payment.The findings indicate that perceived usefulness and perceived ease of use have significant effects on users'attitude.Furthermore,network externality is also an important factor influencing the adoption.But customers have weak perceptions of the risks of M-payment.The results may provide further insights into mobile payment strategies.

Touch-and-Go Mobile Payment System

Contactless mobile payment devices are fast, convenient and user friendly means for executing small value business transactions. This kind of transactions is preferred to be executed conveniently and on the fly by just tapping a mobile payment device to a mobile terminal. Mobility, convenience and fast transaction execution are very important payment system properties in potentially crowded places such as in public transportation. These properties are in practice causing transaction execution problems, such as: delays in offline transaction execution, transaction atomicity failures caused by mobile data communication drops, lack of central control on mobile transaction system components and increased vulnerability risk caused by easy physical access to the mobile transaction system components. This paper describes a holistic transaction processing model for resolving mentioned problems in micropayment mobile touch-and-go transaction systems. Defined processing model was implemented on real public transportation mobile payment system where it was proven as a robust solution for execution of small value touch-and-go mobile ticketing transactions.

Empirical Test of Determinants of Accepting Mobile Payment

From a global perspective, the develop ment of 3G services in China is quite different from other countries. The factors that influence users＇ adoption of mobile payment are worth ex ploring. This study employs the Technology Ac ceptance Model （TAM） to examine determinant factors affecting consumers＇ acceptance intentions of mobile payment. We adopt Hofstede＇s cultural dimensions as moderators to extend the TAM model for exploring the impact of uncertainty a voidance on mobile payment acceptance.

MiR-142-3p Regulates ILC1s by Targeting HMGB1 via the NF-κB Pathway in a Mouse Model of Early Pregnancy Loss

Objective Innate lymphoid cells(ILCs)are a class of newly discovered immunocytes.Group 1 ILCs(ILC1s)are identified in the decidua of humans and mice.High mobility group box 1(HMGB1)is predicted to be one of the target genes of miR-142-3p,which is closely related to pregnancy-related diseases.Furthermore,miR-142-3p and HMGB1 are involved in regulating the NF-κB signaling pathway.This study aimed to examine the regulatory effect of miR-142-3p on ILC1s and the underlying mechanism involving HMGB1 and the NF-κB signaling pathway.Methods Mouse models of normal pregnancy and abortion were constructed,and the alterations of ILC1s,miR-142-3p,ILC1 transcription factor(T-bet),and pro-inflammatory cytokines of ILC1s(TNF-α,IFN-γand IL-2)were detected in mice from different groups.The targeting regulation of HMGB1 by miR-142-3p in ILC1s,and the expression of HMGB1 in normal pregnant mice and abortive mice were investigated.In addition,the regulatory effects of miR-142-3p and HMGB1 on ILC1s were detected in vitro by CCK-8,Annexin-V/PI,ELISA,and RT-PCR,respectively.Furthermore,changes of the NF-κB signaling pathway in ILC1s were examined in the different groups.For the in vivo studies,miR-142-3p-Agomir was injected in the uterus of abortive mice to evaluate the abortion rate and alterations of ILC1s at the maternal-fetal interface,and further detect the expression of HMGB1,pro-inflammatory cytokines,and the NF-κB signaling pathway.Results The number of ILC1s was significantly increased,the level of HMGB1 was significantly upregulated,and that of miR-142-3p was considerably downregulated in the abortive mice as compared with the normal pregnant mice(all P<0.05).In addition,miR-142-3p was found to drastically inhibit the activation of the NF-κB signaling pathway(P<0.05).The number of ILC1s and the levels of pro-inflammatory cytokines were significantly downregulated and the activation of the NF-κB signaling pathway was inhibited in the miR-142-3p Agomir group(all P<0.05).Conclusion miR-142-3p can regulate ILC1s by targeting HMGB1 via the NF-κB signaling pathway,and attenuate the inflammation at the maternal-fetal interface in abortive mice.

Mobile Payment Enters into Scenario Era

Mobile payment is entering into an era of offline scenarios.According to the quarterly monitoring report about China’s Q2 third-party mobile payment released by Enfodesk on September 15,China’s thirdparty mobile payment market scale reached RMB 3.5 trillion in Q2,up 22.81% month-on-month.The market generally keeps a stable structure—Alipay dominating the first position with an overwhelmingly market share of 74.31%,Mowed by Tenpay(WeChat pay and QQpurse)with a market share of 13.18% and Lakala with a market share of 6.3%.

An Anonymous Payment Protocol withMobile Agents in Hostile Environments

By using Pedersen's verifiable secret sharing scheme and the theory of crossvalidation, we propose an a-nonymous payment protocol which have following features: protecting theconfidentiality of sensitive payment information from spying by malicioushosts; using a trustedthird party in a minimal way; verifying the validity of the share by the merchant; allowing agent toverify that the product which it is a-bout to receive is the one it is paying for; keeping thecustomer anonymous.

A Structural Topic Model for Exploring User Satisfaction with Mobile Payments

This study explored user satisfaction with mobile payments by applying a novel structural topic model.Specifically,we collected 17,927 online reviews of a specific mobile payment(i.e.,PayPal).Then,we employed a structural topic model to investigate the relationship between the attributes extracted from online reviews and user satisfaction with mobile payment.Consequently,we discovered that“lack of reliability”and“poor customer service”tend to appear in negative reviews.Whereas,the terms“convenience,”“user-friendly interface,”“simple process,”and“secure system”tend to appear in positive reviews.On the basis of information system success theory,we categorized the topics“convenience,”“user-friendly interface,”and“simple process,”as system quality.In addition,“poor customer service”was categorized as service quality.Furthermore,based on the previous studies of trust and security,“lack of reliability”and“secure system”were categorized as trust and security,respectively.These outcomes indicate that users are satisfied when they perceive that system quality and security of specific mobile payments are great.On the contrary,users are dissatisfied when they feel that service quality and reliability of specific mobile payments is lacking.Overall,our research implies that a novel structural topic model is an effective method to explore mobile payment user experience.

A Study of Factors Affecting the Intention to Use Mobile Payment Services in Vietnam

The goal of this paper is to spot out factors affecting the intention to use mobile payment service plan in Vietnam. This study attempts to analyze the impact of various variables extracted from mobility, convenience, compatibility, M-payment knowledge, ease to use, usefulness, risk,, trust, and safe to use on intention to use mobile payment. Quantitative questionnaire is used to measure responses of participants. The statistical analysis method employed in this study is to apply Structural Equation Modeling to test all hypotheses. The results indicate that the strong predictors of the intention to use M-payment are perceived ease of use and perceived usefulness. All respondents show that they do not care about risk when they have intention to use mobile payment services. Convenience of mobility, compatibility, and mobile payment knowledge have impacts on ease to use and usefulness. Among of them, compatibility has the most significant impact o11 ease to use and usefulness in the opinion of those surveyed. Specially, it proved that trust of safe to use has no significant impact on usefulness, but instead has direct impact on intension to use mobile payment services. The outcomes of this research have important connotations for the improvement and development of mobile payment services in Vietnam. Therefore, at the end of this paper, some suggestions based on research results are given for the future development of mobile payment service business in Vietnam.

Application of Unified Payment Platform in Mobile Medical Services

Mobile medical service has become an indispensable method for the hospitals to improve service quality, while mobile payment has provided an effective solution for solving the problems of long queuing, long examination time, long waiting before being hospitalized and short time of diagnosis and treatment of the traditional outpatient services. With the increasing diversification of payment methods, it is necessary for the hospitals to establish a unified payment platform in order to support different business scenarios according to needs and standardize the interfaces of various developers and manufacturers. In addition, it will help the Financial Department timely identify the problems in the tons of transaction data and better serve the goals of the hospitals to streamline the procedures of medical services and achieve concentrated information management.

Study on the Factors Driving the Loyalty of the Customers of a Third Party Mobile Payment Platform

. In this paper, the main driving factors affecting the customer loyalty of a third party mobile payment service were chosen by combining with the actual situation of the third party mobile payment service and customer spending habits in China. The assumed relations between all affecting factors and the customer loyalty of a third party mobile payment platform were proposed, and a model for studying customer loyalty was established and also a conclusion was made through the questionnaire survey analysis data. Finally, suggestions on improving the loyalty of the customers of a third party mobile payment platform are presented.

China Mobile Payment Development Situation and Prospects Analysis

With the continuous development of the Internet,e-commerce and popularization of financial payment means,traditional constraints have become unfavorable factors in our country's economic development.Meanwhile,the rapid development of mobile communications provides solid basis for the development of mobile payment business.In this case,the mobile payment industry naturally will become an industry to deal with all walks of life and promote the development of logistics,manufacturing,service industries,public information and all kinds of innovative mobile technology.Then a branch of financial payment will naturally be formed.As mobile technology continuously improves cost savings and the efficiency of payment,the development of the mobile payment industry began to be analyzed.In this thesis,for study Chinese mobile payment,a detailed analysis of the development status will be investigated,the problems of development of China's mobile payment will be revealed and the strategic development of the final payment will be put forward.They all have profound significance.

3D obstacle detection of indoor mobile robots by floor detection and rejection

Obstacle detection is essential for mobile robots to avoid collision with obstacles.Mobile robots usually operate in indoor environments,where they encounter various kinds of obstacles;however,2D range sensor can sense obstacles only in 2D plane.In contrast,by using 3D range sensor,it is possible to detect ground and aerial obstacles that 2D range sensor cannot sense.In this paper,we present a 3D obstacle detection method that will help overcome the limitations of 2D range sensor with regard to obstacle detection.The indoor environment typically consists of a flat floor.The position of the floor can be determined by estimating the plane using the least squares method.Having determined the position of the floor,the points of obstacles can be known by rejecting the points of the floor.In the experimental section,we show the results of this approach using a Kinect sensor.

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.

指尖上的旅行:移动支付能否促进家庭旅游消费?

基于2017年和2019年中国家庭金融调查数据,使用固定效应模型、工具变量估计、Tobit模型和差分模型,研究了移动支付对家庭旅游消费的影响。结果表明:移动支付能够显著提高家庭出游概率、促进家庭旅游消费,且对高收入、高人力资本、城镇和老年家庭影响更大。机制检验发现,移动支付通过提升居民信任水平、提高支付便利性促进家庭旅游消费。鉴于此,应深入发展智慧旅游,驱动旅游消费智慧化、数字化升级。

金融科技:研究现状与展望

本研究认为金融科技是指借助移动互联、区块链、人工智能、大数据等科技创新方式,通过数字化、智能化、安全化等手段把金融服务与应用场景紧密互联,实现金融服务提供者流动性、营利性、安全性等目标,满足金融服务需求者支付、融资、投资和交易等功能需求,并且促进金融服务向便利、便宜、普惠、安全等方向发展的综合金融活动总称.本研究从分析移动互联、大数据、人工智能、区块链等新兴技术及其所推动的金融创新入手,以金融服务三大业务流程为切入点,从支付与结算、信贷与融资、资产管理服务三个方面进行文献梳理.此外,从监管理念变革、监管内容扩展、监管机制重构、监管技术创新四个方面对金融监管进行思考.最后对未来相关研究提出一些展望.

数字支付能显著降低农户消费不平等吗?

居民消费对实现共同富裕以及推动经济长期稳定发展具有重要意义。以往研究主要关注城乡居民消费差距,较少关注农户内部消费不平等问题。鉴于此,基于2017、2019年中国家庭金融调查数据,采用由农户人均消费支出测算的Kakwani指数构建消费不平等测度指标,使用双向固定效应模型和工具变量法实证分析数字支付对农户消费不平等的影响。研究结果表明,数字支付能够显著降低农户消费不平等;机制分析表明,数字支付通过缓解流动性约束和提高消费可及性,进而降低农户消费不平等;异质性分析表明,数字支付对户主年龄更高、受教育水平更低农户消费不平等的缓解作用更大,对发展型消费不平等的缓解作用大于生存型消费。基于此,本文认为应加大对农村数字支付发展的支持力度,推动农村数字普惠金融发展,提升农村居民数字素养,支持农村发展型消费品产业发展。

我国消费者支付宝钱包使用意向研究--基于TAM和IDT理论

支付宝钱包是我国移动支付的主要工具之一。文章以技术接受理论和创新扩散理论为基础,结合感知信任和感知风险,构建支付宝钱包消费者使用意愿研究模型,并通过调查问卷收集数据,利用SPSS21.0和AMOS21.0进行数据处理和假设检验。研究结果表明:感知易用性、感知有用性、感知信任均显著影响消费者的使用态度;相容性和外部因素是感知有用性和感知易用性的主要影响因素;个人创新性正向影响消费者信任;感知风险负向影响消费者信任;消费者的使用态度能够显著正向影响消费者的使用意愿。

胃癌组织高迁移率族蛋白A2与基质金属蛋白酶-9表达与肿瘤侵袭转移的关系及预后意义

目的探讨胃癌组织中高迁移率族蛋白A2(HMGA2)及基质金属蛋白酶-9(MMP-9)表达与肿瘤侵袭和转移能力的关系及预后意义。方法采用免疫组化法(SP法)检测93例胃癌组织、30例正常胃黏膜组织中HMGA2、MMP-9的表达;收集患者临床病历资料,并进行随访。结果 HGMA2蛋白在胃癌组织中阳性表达率分别为明显高于正常胃黏膜(P<0.01);MMP-9蛋白在胃癌组织中阳性表达率明显高于正常胃黏膜(P<0.01)。HMGA2与MMP-9在胃癌组织中的蛋白阳性表达均与胃癌组织的肿瘤浸润深度、肿瘤分化程度、淋巴结转移、TNM分期有关(P<0.05);与患者的性别、年龄、肿瘤直径无关(P>0.05)。相关性分析发现,HMGA2与MMP-9在胃癌组织中的表达情况呈正相关(r=0.317,P<0.01)。经Kaplan-Meier生存分析显示,HMGA2、MMP-9蛋白表达阳性患者的生存率均低于表达阴性患者(P<0.01)。结论 HMGA2、MMP-9与胃癌浸润和转移有关,两者表达具有相互协同作用,对胃癌的侵袭和转移起重要的促进作用。HMGA2、MMP-9是影响预后的危险因素,可能成为胃癌治疗的新靶点。