The project entitled “Credit Card Endorsement Using Biometrics in Cloud Computing” is based on the security issues related to data access and data storage in cloud computing. The application focused is on the credit card authentication. The concept of biometrics is integrated along with the cloud for secure data access. The existing system of the credit card allows the user to do the transactio...

Usinggeographicdifferences intheavailabilityof paydayloans, I estimatethe real effects of credit access among low-income households. Payday loans are small, highinterest rate loans that constitutethemarginal sourceof credit formanyhigh risk borrowers. I find no evidence that payday loans alleviate economic hardship. Tothecontrary, loanaccess leads toincreaseddifficultypayingmortgage, rent and u...

How do the smallest firms in Mexico finance their operations? We examine this question using data from surveys of microenterprises undertaken in 1994 and 1998. The survey identifies sources of startup capital, and also provides information on current bank loans and access to trade credit from suppliers. There is evidence that the credit crunch experienced by Mexico in the second half of the 199...

This paper proposes a brand-new measure of energy efficiency at household level and explores how it is affected by access to credit. We calculate the carbon intensity related sectors, which experience substantial decline from 2005 2019. Although there still high inequality in use emissions among Chinese households, appears be improved long run. Our research further maps relationship between fin...

BACKGROUND Despite making great progress in reducing under five mortality in the last three decades. Uganda still ranks high among countries with the highest under five mortality rates. More than a third (36%) of these deaths are caused by pneumonia (15%), malaria (12%), or diarrhea (9%). For many mothers and caregivers, private drug shops are a point of care seeking for these illnesses. Howeve...