Mobile money is a tool that allows individuals to make financial transactions using cell phone technology. In this paper, we report initial results of two rounds of a large survey of households in Kenya, the country that has seen perhaps the most rapid and widespread growth of a mobile money product – known locally as M‐PESA – in the developing world. We first summarize the mechanics of M‐ PESA...

conclusions sperm quality extracted by percutaneous pesa and tese procedures increases fertility outcomes compared to naturally ejaculated sperm in men with idiopathic co. more specifically, embryo quality, which is most relevant to fertility outcome, improved when surgically extracted sperm was used for icsi. results there was a significant difference in fertilization rate, embryo quality, imp...

-PESA is a small-value electronic payment and store-of-value system in Kenya accessible from ordinary mobile phones. It has seen exceptional growth since its introduction in March 2007. Now in use by 9 million customers—40 percent of Kenya’s adult population—the system processes more transactions domestically than Western Union does globally. M-PESA’s market success is the result of the interpl...

This article focuses on the case of M-PESA mobile payments service in Kenya. It critically analyzes the assumptions and cultural contradictions that underpin notions of the low-income consumer and their implications in practice for business strategy. The poor-as-consumer model assumes that, in order to target low-income groups, one needs to design products, services, and marketing speciacally f...

Various procedures for sperm recovery in azoospermic men have been described, from open testicular biopsy to simple needle aspiration from the epididymis and the testis. Fifty-one obstructive and 86 non-obstructive azoospermic men were treated to compare the recovery of spermatozoa obtained by percutaneous aspiration from the epididymis (PESA) and aspiration/extraction from the testis (TESA, TE...

In the beginning of twenty-first century, C. K. Prahalad launched a new business proposition named as “Base Pyramid” (BOP). such type business, Multinational Companies (MNCs) look for opportunities profits helping to meet poor’s unmet needs in developing countries. However, MNCs significant involvement BOP has been losing momentum due challenges have faced businesses. This study intended recall...

Abstract The outputs of the multi-elemental IBA techniques PIXE, PIGE, RBS and PESA have been used as inputs to positive matrix factorisation source apportionment methods quantify fingerprint bushfire smoke during catastrophic black summer bushfires 2019-20 season in NSW, Australia.

Most statistical machine translation systems use phrase-to-phrase translations to capture local context information, leading to better lexical choice and more reliable local reordering. The quality of the phrase alignment is crucial to the quality of the resulting translations. Here, we propose a new phrase alignment method, not based on the Viterbi path of word alignment models. Phrase alignme...