Articles

Dimensions of Risk in the Effect of Customers’ Awareness and Knowledge on the Readiness to adopt Neobanks

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The majority of conventional banks offer digital services during pandemics, while the government promotes cashless transactions in daily life. In India, the Neobanking industry is developing at an increasing rate. It’s a purely online bank with no physical branches; all transactions are made through mobile applications. The purpose of this study is to find out how aware consumers are about neobanks, as well as risk factors and readiness for neobank adoption. additionally, the study builds the SEM model from the survey data of 169 respondents that had access to online banking services. The findings indicates that while financial risk and security risk have no obvious association with knowledge, whereas awareness and social risk have a substantial link with knowledge that results in readiness to use neobanks. As a result, in order to boost client usage in the future, it is essential to raise knowledge about neobanks through media advertising and provide comprehensive information about the applications.

Understanding the Multifaceted Impacts of Social Media Addiction on Minors: A Comprehensive Analysis of Psychological, Behavioral, and Physiological Dimensions

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Social media platforms have become ubiquitous in modern life, particularly for adolescents. This secondary research explores the impact of social media addiction on minors. Existing literature suggests a complex relationship between social media use and mental health. Studies highlight potential links between excessive use and increased anxiety, depression, and sleep disturbances in minors. Social media can also contribute to social comparison and negative body image perception. Employing a thematic analysis of data from academic journals, scholarly reports, and systematic reviews. The analysis focused on studies published within the last ten years to ensure the findings reflect the latest trends and developments in social media use and its impact on minors. Findings revealed concerning trends, including the negative impact on mental health, the potential for cyberbullying and social isolation, and the influence of family dynamics on social media addiction development. The discussion emphasizes the importance of promoting responsible social media use through open communication between parents and children, media literacy programs in schools, and content moderation efforts by social media platforms. Further research is needed to develop effective interventions and mitigate potential harm to minors’ well-being.

Extractives Industries and Conflict: Reduction of Risks Associated with Extractive Industries in Turkana County, Kenya

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African countries endowed with natural resources, especially oil have seen violent conflicts due to poor management of the natural resources. Violent conflicts largely where local communities have been systematically excluded from decision-making processes and when the economic benefits are concentrated in the hands of a few thereby causing economic disequilibrium in the society. Misuse of the natural resources has frequently been cited as the main factor that activates, increase or support violent conflicts around the world. When the key stakeholders disagree on the management, distribution and protection of natural resources and related bionetworks. Natural resource conflicts arise when parties disagree about the management, distribution and protection of natural resources and related ecosystems. These conflicts can heighten into brutal relations and violence when the parties are incapable or reluctant to engage in a positive process of dialogue and conflict resolution. While there are many issues associated with extractive industries, the role of natural resources in triggering, escalating or sustaining violent conflict is the focus of this survey and consequently offer relevant in reducing these conflicts so that the natural resources found in Turkana County can truly be a blessing and a catalyst for poverty reduction in Turkana County. Conflict turns out to be difficult once societal mechanisms and institutions for handling and determining conflict break down, giving way to violence. Societies with weak institutions, fragile political systems and divisive social relations can be drawn into cycles of conflict and violence. Preventing this negative spiral and ensuring the peaceful resolution of disputes is a core interest of the international community. The general objective of the survey was to offer strategies in reducing conflicts associated with extractive industries. The methodology used in this survey was both qualitative and quantitative. The research design employed was descriptive survey design. The sample size was 270 heads of households and 20 stakeholders working in Turkana South and East Sub-Counties respectively. The data was collected using questionnaires and interview guides combined with observation schedules. The findings of the survey reveal that indeed extractive industries and conflicts are twins and hence there is need to address conflicts to turn natural resources into a blessing for the society.