Miracle-dz/UniFAR-FTUs huggingface dataset:
Modeling the Enablers to FinTech Innovation in Saudi Arabia: A Hybrid Approach Using ISM and ANP

Financial technology (FinTech) has emerged as a significant financial sector breakthrough due to the sharing economy, new legislation, and IT advances, contributing to its fast growth. Under a new national policy, Saudi Arabia intends to increase the number of FinTech firms. Thus, it is necessary to develop a more profound understanding of what critically enables FinTech innovation, how these enablers are interconnected, and their priorities. This research study aims to identify and model the critical enablers of FinTech innovation by exploring contextual relationships among them and their importance. A hybrid approach was followed using interpretive structural modeling (ISM) and an analytic network process (ANP) to achieve the objective. Eleven enablers and their essential components were extracted from the literature and confirmed by Saudi FinTech experts who provided input data on their linkages and relative importance through interviews and a designed questionnaire. The developed model reveals the enablers’ structure in terms of their driving and dependence powers and classifies them into six levels with relative importance to each other. The developed model in this research puts forward a holistic perspective on FinTech and innovation, assisting decision-makers, regulators, policy designers, practitioners, and technology developers to create effective ways to safeguard the FinTech industry’s growth.
Modelling the spatial extent of post‐fire sedimentation threat to estimate the impacts of fire on waterways and aquatic species

Fires can severely impact aquatic fauna, especially when attributes of soil, topography, fire severity and post‐fire rainfall interact to cause substantial sedimentation. Such events can cause immediate mortality and longer‐term changes in food resources and habitat structure. Approaches for estimating fire impacts on terrestrial species (e.g. intersecting fire extent with species distributions) are inappropriate for aquatic species as sedimentation can carry well downstream of the fire extent, and occur long after fire. Here, we develop an approach for estimating the spatial extent of fire impacts for aquatic systems, across multiple catchments.
Farmers’ Credit Risk Assessment Based on Sustainable Supply Chain Finance for Green Agriculture

With the development of green agriculture, the demand of farmers for operation loans is increasing. Supply chain finance is becoming a new way to solve the problem of difficult credit in agricultural development. As the importance of sustainability issues continues to rise, there are growing numbers of practical examples of combining agricultural supply chain finance (ASCF) with sustainability, and the attendant risks are emerging. The objectives of this study are first to construct a risk indicator system for sustainable ASCF, then to propose a fuzzy decision method that considers the confidence of decision-makers, and finally to perform a risk assessment of a credit case in the coffee bean supply chain. A combination of the neutrosophic enhanced best–worst method (NE-BWM) and combined compromise solution (COCOSO) is used to evaluate risk problems. The practicality and effectiveness of this research method is verified by a numerical simulation and a comparison with the method. The results show that the credit rating of core companies is the most important indicator. In the context of green and sustainable development, this indicator system is more suitable for the current green transformation development of agriculture and can help decision-makers scientifically and reasonably assess the risk level of ASCF. When loans are needed to transform green agriculture, this study provides new ideas for credit models for various actors in the agricultural supply chain and offers a new entry point to the issue of sustainable agricultural development.
Prognostic Abilities of Pre- and Post-Treatment Inflammatory Markers in Oral Squamous Cell Carcinoma: Stepwise Modelling

Background and Objectives: Studies examining the importance of inflammatory markers before treatment as prognosticators of OSCC are available, but information on post-therapy inflammatory markers and their prognostic significance is limited. This study aimed to evaluate the prognostic abilities of pre- and post-treatment inflammatory markers in patients with OSCC. Materials and Methods: In this retrospective analysis, information on 151 OSCC patients’ socio-demographic, clinico-pathological, recurrence, metastasis, and survival data were gathered from clinical records. A multivariable Cox proportional hazards regression (stepwise model) was conducted to identify the prognostic predictors of OS and DFS. The multivariable models’ performances were evaluated using Harrell’s concordance statistics. Results: For OS, high pre-treatment LMR (HR 3.06, 95%CI 1.56, 5.99), and high post-treatment PLC (HR 3.35, 95%CI 1.71, 6.54) and PLR (HR 5.26, 95%CI 2.62, 10.58) were indicative of a poor prognosis. For DFS, high pre-treatment SII (HR 2.59, 95%CI 1.50, 4.48) and high post-treatment PLC (HR 1.92, 95%CI 1.11, 3.32) and PLR (HR 3.44, 95%CI 1.98, 5.07) were associated with increased mortality. The fitness of the OS and DFS stepwise Cox regression models were proven with a time-dependent AUC of 0.8787 and 0.8502, respectively. Conclusions: High pre-treatment levels of LMR and SII and high post-treatment levels of PLC and PLR are independent predictors of a poor prognosis for patients with OSCC.
Centralized Coded Caching with User Cooperation

In this paper, we consider the coded-caching broadcast network with user cooperation, where a server connects with multiple users and the users can cooperate with each other through a cooperation network. We propose a centralized coded caching scheme based on a new deterministic placement strategy and a parallel delivery strategy. It is shown that the new scheme optimally allocate the communication loads on the server and users, obtaining cooperation gain and parallel gain that greatly reduces the transmission delay. Furthermore, we show that the number of users who parallelly send information should decrease when the users’ caching size increases. In other words, letting more users parallelly send information could be harmful. Finally, we derive a constant multiplicative gap between the lower bound and upper bound on the transmission delay, which proves that our scheme is order optimal.
Enhanced thermoelectric figure of merit in nanocrystalline Bi2Te3 bulk

Nanocrystalline Bi2Te3 bulks were synthesized via a nanostructuring method that included steps of ball milling, cold pressing, and sintering. In the temperature range of 325–525 K, nanocrystalline Bi2Te3 bulks exhibit good thermoelectric properties with a peak ZT of 0.94. The experimental results suggest that the partially coherent boundaries allow the maintenance of low grain growth rate and low resistivity. The enhancement of ZT comes from a large reduction in the phonon thermal conductivity and a strong suppression of the bipolar effect at high temperature.
Comparison of Bayesian and Classical Methods for Exploring the Important Factors regarding Maternal and Child Health Care

The literature contains a number of studies to analyze the important factors relating to maternal and child health care (MCH). However, the earlier contributions have employed classical models for the analysis. We have proposed Bayesian models for exploring the factors regarding MCH in Pakistan. The latest data, from Pakistan Demographic and Heath Survey (PDHS) conducted in 2017-18, have been used for analysis. The performance of Bayesian methods have been compared with classical methods based on various goodness-of-fit criteria. The performance of Bayesian methods was observed to be better than the classical methods. The results advocated that 86.20% of mothers received antenatal care (ANC), while only 51.40% of the mothers received it at least for ANC visits during the whole pregnancy period. Further, 68.90% of the mothers were protected against neonatal tetanus. More than 30% of women neither delivered in the health facility place nor they were in receipt of postnatal checkups. Additionally, only three out of five newborns were availed with postnatal checkup (PNC) within two days of their births. About 66.89% of women reported problems in accessing the MCH in the country. The study also suggested the presence of severe disparities among different socio-economic groups in availing MCH. There is immediate need to reduce these disparities among various socio-economic groups in the country.
SCORRE approach as an instrument for detecting fraudulent financial reporting

This study aims to analyze S.C. O.R. R.E. (stimulus, capability, opportunity, capability, cooperation, and ego) as the cause of financial statement fraud. The study was conducted on B.U. M.N. companies in Indonesia as a population with published financial statement analysis units with a total of 122 as samples obtained by purposive sampling technique after being selected for the period 2014-2018 (five years). The Binary Logistics regression technique is used in analyzing data with the dependent variable using a nominal scale (0-1) as a measurement of financial statement fraud. The study concludes that not all measurement dimensions are predicted to affect the occurrence of fraud in financial statements, while measurements using other dimensions prove a significant influence on the event of financial statement manipulation. The study results provide a reference to the potential for preventing financial statement fraud by identifying several measurement dimensions that can trigger financial statement fraud. Research using Binary Logistics regression would be better confirmed through observation, either by interview or primary data that supports and predicts the results of the analysis that was not carried out in this study, so the conclusions obtained have not fully concluded the existing phenomena.
Environmental Impact of the Industrial Activity on Air Quality: Global Visualization on Research Progress

Gy, which can be downloaded for free from (http://cluster.cis.drexel.edu/~cchen/citespace/). The clustering technique is used to depict the main focus of the topic. While Burst analysis is the main method used in this article to assess the evolution of the EIIAAQ’s topic-related keywords. Readers rely on academic papers’ keywords to quickly locate relevant content. LLR, LSI, and MI are the main algorithms used in clustering techniques in Citespace and are detailed in (Chaomei Chen & Song, 2019)empowered by computational and visual analytic approaches, offer Scientists, politicians, and the general public have all considered environmental issues. Many countries have seen rapid industrialization in recent times, placing intense strain on their natural environments. Literature metrology was employed in this article to demonstrate the cutting-edge scientific inquiry on the topic of the environmental impact of industrial activity on air quality EIIAAQ. City space is the software used to analyze and quantify the scholarly papers in Scopus, the database used as a source of scientific metrics and data. Results reveal that the most influential countries in the field of research were the United States, China, and India. Results revealed also that health issues were at the center of the research. “COVID19” and “particulate matter” were the most recent keywords with the highest burst and are considered hot spots.
A Central Limit Theorem for Frechet Means

We derive a general central limit theorem from which many of the existing CLTs for Frechet means follow immediately. It also improves upon an earlier CLT for intrinsic sample means on Riemannian manifolds due to Bhattacharya and Patrangenaru (2005). Applications are also provided to some stratified spaces of recent interest.
Branes and Non‐Invertible Symmetries

N=4$\mathcal{N}=4$ supersymmetric Yang‐Mills theories with algebra so(4N)$\mathfrak {so}(4N)$ and appropriate choices of global structure can have non‐invertible symmetries. We identify the branes holographically dual to the non‐invertible symmetries, and derive the fusion rules for the symmetries from the worldvolume dynamics on the branes.
Marine Biotoxins in Whole and Processed Scallops from the Argentine Sea

Harmful algal blooms are an increasing worldwide threat to the seafood industry and human health as a consequence of the natural production of biotoxins that can accumulate in shellfish. In the Argentine Sea, this has been identified as an issue for the offshore fisheries of Patagonian scallops (Zygochlamys patagonica), leading to potentially harmful effects on consumers. Here we assess spatial and temporal patterns in marine biotoxin concentrations in Patagonian scallops harvested in Argentinian waters between 2012–2017, based on analyses for paralytic shellfish toxins, lipophilic toxins, and amnesic shellfish toxins. There was no evidence for concentrations of lipophilic or amnesic toxins above regulatory acceptance thresholds, with trace concentrations of pectenotoxin 2, azaspiracid 2 and okadaic acid group toxins confirmed. Conversely, paralytic shellfish toxins were quantified in some scallops. Gonyautoxins 1 and 2 dominated the unusual toxin profiles (91%) in terms of saxitoxin equivalents with maximum concentrations reaching 3985 µg STX eq/kg and with changes in profiles linked in part to seasonal changes. Total toxin concentrations were compared between samples of the adductor muscle and whole tissue, with results showing the absence of toxins in the adductor muscle confirming toxin accumulation in the digestive tracts of the scallops and the absence of a human health threat following the processing of scallop adductor meat. These findings highlight that paralytic shellfish toxins with an unusual toxin profile can occur in relatively high concentrations in whole Patagonian scallops in specific regions and during particular time periods, also showing that the processing of scallops on board factory ships to obtain frozen adductor muscle is an effective management process that minimizes the risk of poisonings from final products destined for human consumption.
Drivers of Three Most Charismatic Mammalian Species Distribution across a Multiple-Use Tropical Forest Landscape of Sumatra, Indonesia

Simple Summary Charismatic Sumatran mammals (i.e., the elephant, orangutan, and tiger) play a pivotal role in maintaining ecosystem balance. Nevertheless, these species have encountered multifaceted threats due to habitat disturbances, leading to their potential extinction. Thus, understanding current species ranges, together with investigating the most essential factors for the species, are crucial for developing conservation strategies. We predicted the potential range of three charismatic mammals in Sumatra Island using anthropogenic, biophysical, topographic, and climatic parameters based on ensemble machine learning algorithms. This study also comprehensively describes how land ownerships can shape the existence of these three species. Finally, we provide recommendations based on our findings for species conservation planning and management options. Abstract Tropical Rainforest Heritage sites of Sumatra are some of the most irreplaceable landscapes in the world for biodiversity conservation. These landscapes harbor many endangered Asiatic mammals all suffering multifaceted threats due to anthropogenic activities. Three charismatic mammals in Sumatra: Elephas maximus sumatranus, Pongo abelii, and Panthera tigris sumatrae are protected and listed as Critically Endangered (CR) within the IUCN Red List. Nevertheless, their current geographic distribution remains unclear, and the impact of environmental factors on these species are mostly unknown. This study predicts the potential range of those species on the island of Sumatra using anthropogenic, biophysical, topographic, and climatic parameters based on the ensemble machine learning algorithms. We also investigated the effects of habitat loss from current land use, ecosystem availability, and importance of Indonesian protected areas. Our predictive model had relatively excellent performance (Sørensen: 0.81–0.94) and can enhance knowledge on the current species distributions. The most critical environmental predictors for the distribution of the three species are conservation status and temperature seasonality. This study revealed that more than half of the species distributions occurred in non-protected areas, with proportional coverage being 83%, 72%, and 54% for E.m. sumatranus, P. abelii, and P.t. sumatrae, respectively. Our study further provides reliable information on places where conservation efforts must be prioritized, both inside and outside of the protected area networks, to safeguard the ongoing survival of these Indonesian large charismatic mammals.
Electrochemical Responses and Microbial Community Shift of Electroactive Biofilm to Acidity Stress in Microbial Fuel Cells

Microbial community changes in response to acid stress in microbial fuel cells (MFCs) were studied. Acid mine drainage (AMD) wastewater is usually difficult to treat because of the high concentration of sulfate and heavy metals. MFCs, which have multiple functions based on the principle of synergistically treating organic and heavy metal wastewater while generating electrical energy, represent a promising direction for the development of new heavy metal wastewater treatment technologies. Maintaining a neutral or slightly alkaline wastewater pH in MFCs facilitates the growth of electricity-producing microorganisms in the anode chamber. Studies on the response of anode electroactive biofilms to acidic pH stress and its correlation with changes in AMD treatment capacity have not been reported. Results showed that the anolyte pH of 4.0 and 5.0 affected the electron output capacity of the electrogenic microbial community in the MFCs. In contrast, MFCs working at an anolyte pH of 6.0 exhibited a high efficiency of chemical energy conversion to electrical energy. The microbial abundance and microbial diversity of the electroactive biofilm were significantly affected by the H+ concentration in the medium when the ambient acidity was continuously reduced. The classic exoelectrogen Geobacter decreased gradually with the increase of H+ concentration in the medium. In addition, Cu2+ was recovered from the simulated AMD in the MFCs cathodic chambers at low anode pH, but the removal rate of Cu2+ decreased as the pH of the anode environment decreased. At 48 h, 86.2% of Cu2+ was removed from the MFCs cathode solution at pH 5.0, while the removal rate of Cu2+ from the MFCs cathode solution at pH 4.0 was 84.2%. Trace amounts of Cu2O and Cu3(OH)2[CO3]2 were present on the cathode, which reduced the amount of Cu2+ that precipitated on the cathode carbon cloth. Conversely, the concentration of Cu2+ in the catholyte of MFCs with electroactive biofilm at pH 6.0 decreased rapidly, and by 36 h, no detectable Cu2+ was present in the cathodic solution. This study will provide researchers with valuable information regarding the optimal pH for resource recovery with MFCs.
“All Hands on Deck”: Psychological Characteristics of Women with Experience of Oncological Disease Participating in Sailing Cruise—A Pilot Study

Background: In addition to searching for effective methods of treatment, interventions are sought to support well-being, quality of life, mental health, and recovery. Sailing has its specific features, including task orientation, challenges, contact with people, and nature. This specificity may be treated as a potential therapeutic factor, but it is also likely that people with certain psychological characteristics are involved in it. Therefore, the study aimed to assess some psychological features of women with cancer experience who decided to take part in the Onco-Cruise (Polish: Onko-Rejs). Methods: Participants were 56 women (M = 46.73; SD = 9.21). We used NEO-FFI, the Zimbardo Time Perspective Inventory, and The Multidimensional Health Locus of Control Scale. Results: Onco-Cruises participants were characterized by a high level of extraversion (M = 32.48; SD = 7.02; sten score M = 7.21; Mo = 7), openness (M = 31.50; SD = 6.31; sten score M = 7.41; Mo = 8), low neuroticism (M = 21.62; SD = 9.33; sten score M = 4.96), predominance of present hedonistic (M = 12.55, SD = 1.46) and future time perspective (M = 11.39; SD = 2.67), and the internal health locus of control (M = 23.25, SD = 5.43). Conclusion: Group sailing can be favorable for broadly understood health and cancer recovery, but people who choose this activity have certain psychological predispositions, especially indicating high needs for stimulation. Permanent features should be taken into account when proposing various interventions for oncology patients to best suit them to their natural possibilities and preferences and, thus, make them most effective.
Speeding-Up Elliptic Curve Cryptography Algorithm

In recent decades there has been an increasing interest in Elliptic curve cryptography (ECC) and, especially, the Elliptic Curve Digital Signature Algorithm (ECDSA) in practice. The rather recent developments of emergent technologies, such as blockchain and the Internet of Things (IoT), have motivated researchers and developers to construct new cryptographic hardware accelerators for ECDSA. Different types of optimizations (either platform dependent or algorithmic) were presented in the literature. In this context, we turn our attention to ECC and propose a new method for generating ECDSA moduli with a predetermined portion that allows one to double the speed of Barrett’s algorithm. Moreover, we take advantage of the advancements in the Artificial Intelligence (AI) field and bring forward an AI-based approach that enhances Schoof’s algorithm for finding the number of points on an elliptic curve in terms of implementation efficiency. Our results represent algorithmic speed-ups exceeding the current paradigm as we are also preoccupied by other particular security environments meeting the needs of governmental organizations.
FEATURES OF PHARMACEUTICAL INSURANCE FINANCING IN THE
CONTEXT OF HEALTH INSURANCE IN DEVELOPED AND DEVELOPING
COUNTRIES

Health is one of the fundamental human rights that is necessary for the realization of many other rights, in particular, the right to development, it is also necessary for a decent life. An essential element of everyone's right to health is the right to access quality medical technology, including medicines. Essential medicines meet the priority health needs of the population. Existing health systems must ensure that necessary medicines can be obtained at any time, in sufficient quantities, in appropriate dosages, of guaranteed quality, and at a price that is acceptable to both the individual patient and the community as a whole. In this context, the main goal of the article is to study and understand the features of drug insurance financing in developed and developing countries, presenting different models of health insurance and their implementation mechanisms. The authors have also studied the main sources and directions of financing global healthcare costs.