Purpose: The research examines how behavioral intentions, as a higher-order construct, indirectly affect financial inclusion through service trust, usage behavior and financial literacy in mobile money adoption.Design/methodology/approach: Following the positivist research philosophy, a cross-sectional study design was used to collect data through questionnaires comprised of scales adapted from prior studies. With a usable sample size of 340 respondents, this study employs partial least squares structural equation modeling to assess the model.Findings: The study revealed the significant indirect role of behavioral intention on financial inclusion through use behavior, behavioral intentions on use behavior through service trust, and use behavior on financial inclusion through financial literacy. The role of behavioral intentions on financial inclusion through serial mediation of service trust, use behavior and financial literacy was also found to be significant.Originality/value: This study's novelty resides in examining the indirect relationship between behavioral intentions and financial inclusion, specifically via the serial mediation of service trust, use behavior and financial literacy.

Megaprojects are becoming more and more essential for poverty reduction and inclusive development. Regrettably, the CPEC mega project has yet to yield successful outcomes in Pakistan. The incorporation of financial inclusion (FI) has the potential to catalyze its outcomes. Despite abundant studies on advanced CPEC applications and poverty reduction techniques, the relationship between FI and CPEC has been the subject of relatively little research. Therefore, we analyzed CPECD and FI, specifically emphasizing economic opportunity, growth, and poverty reduction (PR). The study accounted for the viewpoints of small and medium-sized enterprises (SMEs). Using Amos 24 and the Process Macro, we analyze the mediational and moderated mediational models. The findings show that CPECD reduces poverty. Opportunity and growth both significantly influence the outcome. FI practices enhance the opportunity and growth link between CPECD and PR. Therefore, it is imperative to address the issue of FI shrinkage, as it could impede the efforts of SMEs to promote inclusive growth and alleviate poverty.

Purpose: This research aimed to find out both direct and mediating relationships between the fear of COVID-19 (FC) and the usage of digital financial services (UDFS) via mediator financial anxiety (FA). It also attempted to ascertain the moderated effect of education of small and medium-sized enterprise (SME) owners (ESO), i.e. business degree holders (BDH) vs nonbusiness degree holders (NBDH), in the relationship between FC and the UDFS.Design/methodology/approach: This research employed a simple random sampling technique. In total, 387 complete responses were collected from Pakistani SMEs. The complete analysis was performed using Statistical Package for the Social Sciences (SPSS) 23, AMOS 24, Process Marco 4.1, and Interaction 1.7.Findings: According to the findings, FC leads to UDFS and FA mediates this relationship. Additionally, the findings show that the ESO between FC and UDFS was moderated. However, conditional analysis shows that BDH-SME owners strengthened the moderated relationship between FC and UDFS compared to NBDH-SME owners, who did not show any relationship.Research limitations/implications: Policymakers might use the study's findings to promote business education, which has been recognized as essential for making sound financial decisions. Finally, because the study is cross-sectional, the authors are unable to draw definitive generalizations.Originality/value: The key novelty of this research work lies in the inclusion of FA as a mediator and the education of SME owners as a moderator in understanding the relationship between FC and the UDFS. This study illuminated the positive aspects of the COVID-19 epidemic based on the theory of emotional finance, risk avoidance theory and theories of emotion.

Drowsy driving is a severe public health issue that has to be addressed. According to recent studies, sleepy drivers are responsible for almost 20% of all car accidents. Trustworthy sleepiness detection is now one of the key goals in developing new advanced driver assistance systems. In this research work, a vision based approach has proposed that identify the drowsy driver by monitoring the eye closer and sight movement. These two methods have been combined to reduce the false-positive results and make the system more robust. Proposed system is not only have performance robustness, but also not required high computional power, and a light embedded system, such as Raspberry Pi, can be used to operationalize the proposed drowsness detection system. The proposed ialgorithms could be helpful vehicle safety solutions for alerting drivers about tiredness. This system was tested on a Raspberry pi-4 with 8GB RAM using a Logitech HD720 Webcam. The outcomes of the experiment appear to be quite positive and promising. For face and eye-tracking, the system could achieve a frame rate of more than 09 frames per second, the average accuracy rate for eye position and tracking reach 97.3%. As a result, the proposed strategy can be inferred to be a lowcost and effective solution for detecting driver drowsiness in real time.