The paper examines the issue of financial inclusion in South Africa by analysing the likelihood of ownership of a bank account of an adult individual by race, education and income. Although racial segregation in South Africa was ended on May 10th, 1994, there is still considerable evidence that self-employed and entrepreneurs' successes are related to their ethnic groups. The paper examines how likely it is that higher education, after controlling for income, increase awareness of financial planning and therefore bank accounts ownership. Education is found to be a significant factor that

Contractor selection is carried out in order to choose a competent and capable contractor to do the work. To help in this selection, baselines are established to ensure that the contractors have the required skills, resources, and abilities to execute the project. Contractor selection is a multiple criteria decision making wherein several criteria are required to be evaluated simultaneously. This paper proposes a decisionmaking model for contractor selection utilizing ELECTRE III modeling. The steps of ELECTRE III model include; estimation of concordance indices, estimation of discordance

Nowadays, the homing guidance is utilized in the existed and under development air defense systems (ADS) to effectively intercept the targets. The targets became smarter and capable to fly and maneuver professionally and the tendency to design missile with a small warhead became greater, then there is a pressure to produce a more precise and accurate missile guidance system based on intelligent algorithms to ensure effective interception of highly maneuverable targets. The aim of this paper is to present an intelligent guidance algorithm that effectively and precisely intercept the

Text classification has been one of the most common natural language processing (NLP) objectives in recent years. Compared to other languages, this mission with Arabic is relatively restricted and in its early stages, and this combination in the medical application area is rare. This paper builds an Arabic health care assistant, specifically a pediatrician that supports Arabic dialects, especially Egyptian accents. The proposed application is a chatbot based on Artificial Intelligence (AI) models after experimenting with Two Bidirectional Encoder Representations from Transformers (BERT) models

This case study examines the global financial debacle of 2007-2008 to see the roles in which technology played in new financial schemes. It uses theory about social-technical systems and applications of technology to analyze the case. It identifies theoretical issues in which MOT can relate to classical economic theory. © 2011 World Scientific Publishing Company.

In the automotive sector, processes outcomes could be derived from different standards including Automotive SPICE PAM 3.1 and IATF 16949:2016. Both standards have common requirements, but each standard describes the requirements from its viewpoint. IATF 16949:2016 is mainly concerned with the quality management system processes from "organizational" perspective, while Automotive SPICE focuses on assessing the capability and maturity of the organization's core processes from the project perspective. In real life, organization working within the OEMs supply chain applies separately both models

Written by the author who helped crystalize the field of technology management and the management of innovation with the first two editions of Managing Technological Innovation, this Third Edition brings the subject in line with current business strategy. It also presents information in a newer organized format that aligns more closely with how the topics are presented and discussed in the classroom. Also included is a wider discussion of how science and technology interact with the global economy. © 2011 by John Wiley & Sons, Inc. All rights reserved.

In this paper, we study a wireless powered cellular network (WPCN) supported with network coding capability. In particular, we consider a network consisting of k cellular users (CUs) served by a hybrid access point (HAP) that takes over energy transfer to the users on top of information transmission over both the uplink (UL) and downlink (DL). Each CU has k+1 states representing its communication behavior, and collectively are referred to as the user demand profile. Opportunistically, when the CUs have information to be exchanged through the HAP, it broadcasts this information in coded format

Objectives: This study sought to evaluate the diagnostic accuracy of strain-encoded cardiac magnetic resonance (SENC) for the detection of inducible ischemia during intermediate stress. Background: High-dose dobutamine stress cardiac magnetic resonance (DS-CMR) is a well-established modality for the noninvasive detection of coronary artery disease (CAD). However, the assessment of cine scans relies on the visual interpretation of wall motion, which is subjective, and modalities that can objectively and quantitatively assess the time course of myocardial strain response during stress are

In this paper, we describe an application-level emulator for P2P systems with a special focus on high reproducibil-ity. We achieve reproduciblity by taking control over the scheduling ofconcurrent events from the operating system. We accomplish that for inter-and intra-peer concurrency. The development ofthe system was driven by the need to enhance the testing process ofan already-developed industrial product. Therefore, we were constrained by the architecture ofthe overlying application. However, we managed to provide highly transparent emulation by wrapping standard/widely-used networking