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The present study aims to summarize different non-invasive techniques for continuous glucose monitoring (CGM) in diabetic patients using glucose-oxidase biosensors. In diabetic patients, the self-monitoring of blood glucose (BG) levels through minimally invasive techniques provides a quick method of measuring their BG concentration, unlike conventional laboratory measurements. The drawbacks of minimally invasive techniques include physical pain, anxiety and reduced patient compliance. To overcome these limitations, researchers shifted their attention towards the development of a pain-free and non-invasive glucose monitoring system, which showed encouraging results.

This study reviews the development of minimally and non-invasive method for continuous glucose level monitoring in diabetic or hyperglycemic patients. Specifically, glucose monitoring using non-invasive techniques, such as spectroscopy-based methods, polarimetry, fluorescence, electromagnetic variations, transdermal extraction-based methods and using body fluids, has been discussed. The various strategies adopted for improving the overall specificity and performance of biosensors are discussed.

In conclusion, the technology of glucose oxidase-based biosensors for glucose level monitoring is becoming a strong competitor, probably because of high specificity and selectivity, low cost and increased patient compliance. Many industries currently working in this field include Google, Novartis and Microsoft, which demonstrates the significance and strong market potential of self-monitored glucose-oxidase-based biosensors in the near future.

This review paper summarizes comprehensive strategies for continuous glucose monitoring (CGM) in diabetic patients using non-invasive glucose-oxidase biosensors. Non-invasive techniques received significant research interest because of high sensitivity and better patient compliance, unlike invasive ones. Although the results from these innovative devices require frequent calibration against direct BG data, they might be a preferable candidate for future CGM. However, the challenges associated with designing accurate level sensors to biomonitor BG data easily and painlessly needs to be addressed.

This study aims to investigate the antecedents of behavioral intention and actual usage of mobile payment (m-payment) services during the COVID-19 pandemic among Indian consumers.

The proposed research model of this study is based on the extended framework of the Unified Theory of Acceptance and Use of Technology (UTAUT2) by using two additional variables, namely, perceived security (PS) and perceived trust (PT). In total, 436 sample respondents are chosen from Indian consumers with experience using m-payment services through the online survey method. The data analysis and proposed hypothetical relationships were tested using confirmatory factor analysis and structural equation modeling techniques.

The results confirm that performance expectancy, effort expectancy, facilitating conditions, PS, PT, habit and price value are antecedents of consumer intention toward adopting m-payment services. Furthermore, behavioral intention significantly influences the actual usage of m-payment services during the COVID-19 pandemic.

Though the impact of COVID-19 has been observed during the research period in getting responses from m-payment service users, the constructs used in the study are confined to the UTAUT2 model, and dimensions related to COVID-19 are not directly included in the measurement scale. The study’s findings propose valuable insights for service providers and policymakers.

This study’s results offer valuable insights to the service providers and policymakers to achieve the Government of India digital India objective of “Faceless, Paperless and Cashless” transactions.

This study’s results contribute to extending the empirical research literature on m-payment as antecedents of behavioral intention toward the adoption of m-payment services during the COVID-19 pandemic. Furthermore, this study assumes important interrelationships among UTAUT2 constructs with the additional incorporation of PS and PT.

According to Juvenile Justice (Care and Protection) Act, 2015 Act, the registration of Child Care Institutions (CCIs) is compulsory, but the registration process all over the country is being prolonged on the part of the NGOs and other private welfare agencies. Against this background, the researcher intends to study the reasons for reluctance to registration by the CCIs.

The researcher adopted exploratory approach to find the reasons behind the reluctance towards JJ registration. There are 112 children’s homes in Malappuram district, among which 40 institutions did not apply or get JJ Registration. Among these 40, the researcher selected 20 (50%) by simple random sampling. The respondents were one among the institution’s Secretary/President or staff. The method used for extracting data was interview schedule and the collected data were coded and analyzed with the help of the SPSS software.

The CCIs apprehend that their organizational freedom would be limited after registration. Another observation of this study is most of the children’s homes are managed by religious organizations and most of them are worried that registering their institution under this act might adversely affect their religious sentiments. About 60% of the CCIs concern about the financial burden and 85% of them have difficulty to implement the new rules and regulation.

This study covered the 20 children’s Home and all those institutions are run by Muslim religious management, so the situations of child care institutions run by other management (Hindu, Christian, Secular) is not covered by this study.

The purpose of this paper is to determine the effectiveness of using fully homomorphic encryption (FHE) to preserve the privacy of biometric data in an authentication system. Biometrics offers higher accuracy for personal recognition than traditional methods because of its properties. Biometric data are permanently linked with an individual and cannot be revoked or cancelled, especially when biometric data are compromised, leading to privacy issues.

By reviewing current approaches, FHE is considered as a promising solution for the privacy issue because of its ability to perform computations in the encrypted domain. The authors studied the effectiveness of FHE in biometric authentication systems. In doing so, the authors undertake the study by implementing a protocol for biometric authentication system using iris.

The security analysis of the implementation scheme demonstrates the effectiveness of FHE to protect the privacy of biometric data, as unlimited operations can be performed in the encrypted domain, and the FHE secret key is not shared with any other party during the authentication protocol.

The use of malicious model in the design of the authentication protocol to improve the privacy, packing methods and use of low-level programming language to enhance performance of the system needs to be further investigated.

The main contributions of this paper are the implementation of a privacy-preserving iris biometric authentication protocol adapted to lattice-based FHE and a sound security analysis of authentication and privacy.

This paper aims to assess the direct effects of antecedents of initial trust, the mediating effect of trust and the moderating effect of demographic variables on non-adopters’ behavioral intention to use mobile banking.

The study tested the models of theory of reasoned action and theory of planned behavior to evaluate potential antecedents of trust (diffusion of trust, infrastructure quality, perceived costs, privacy and security) moderators (demographic variables) and mediators (initial trust) that will influence behavioral intention to use mobile banking. The Hayes’ Process Macro developed by Andrew F. Hayes (2013) was used as a statistical analysis in SPSS to estimates the path coefficients using multiple regression. The tool provides insights on the direct and indirect effect of the independent variable on the dependent variable through the existence of moderating variables and mediation variables.

The results show that the non-adopters of mobile banking asserted that the antecedents of initial trust played a significant influence on behavioral intention to use online banking services.

There is a dearth of literature addressing mobile banking in the Philippines. The first initial trust formation in internet banking using computer workstations and laptops in the Philippines was conducted by Chiu et al. (2016). This research fills in the gap by expanding and formulating a deeper understanding of the antecedents of initial trust that influence consumer behavioral intention that might be responsible for the slow diffusion of mobile banking services in the country. The results from this study will help financial institutions create a beneficial connection with consumers while alleviating the fears of non-adopters and enhancing their understanding of the benefits of mobile banking.

Blockchain’s potential is so significant that business activities across all industries can be drastically altered. Furthermore, the characteristics of blockchain appear to be well-suited to accounting requirements. However, accounting professionals’ attitude and intention toward blockchain adoption are not clear, particularly in India. Thus, this study aims to investigate and evaluate accountants’ intention to adopt blockchain technology in accounting activities.

This study examined and assessed accountants’ intention to use blockchain in accounting. To effectively measure usage intention, this study extended the unified theory of acceptance and use of technology (UTAUT) model by including context-specific constructs. To empirically test and validate the proposed model, data were collected from “369” professional accountants in India.

The findings revealed that facilitating conditions, performance expectancy and initial trust had a significant impact on adoption. Furthermore, the regulatory framework materially moderated the association between usage intention and its predictors.

These findings provide new empirical evidence about the impact of different predictors of usage intention by extending the UTAUT model. Relevant stakeholders can refer to this pioneering study to increase the adoption of blockchain as an efficient and trustworthy system among professional accountants, particularly in developing countries such as India.

The integration of relevant antecedents into TAM would lead to better understanding of the decision factors which act as enablers for the adoption of internet banking. The purpose of the paper is to determine the influence of the antecedents subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk, trialability and government support on the existing constructs of the technology acceptance model (TAM) and to test measurement invariance and the moderating effect of the demographic variables on the relationship between the latent constructs used in this augmented TAM.

A survey questionnaire was administered on internet banking users and a total of 300 responses were collected. A two-step approach suggested by Hair et al. (2006) and Schumacker and Lomax (2004) was used in this study. The proposed model was assessed using the confirmatory factor analysis approach. The structural model was then tested in order to establish nomological validity. The data based on four demographic dimensions gender, age, income, education were divided into two groups for each of these demographic dimensions. The invariance test was first performed on the measurement model and then on the structural model. The measurement model and structural model were subjected to tests of equivalence of parameters across groups.

To a large extent the results of the study supports the proposed model and thereby contributes to understand the influence of subjective norm, image, banks initiative, internet banking self-efficacy, internet usage efficacy, trust, perceived risk and government support on internet banking adoption. The predictor variables in the augmented TAM were able to explain 29.9 per cent of the variance in the actual usage of internet banking as compared to the TAM which was able to explain only 26.5 per cent variance in the actual usage of internet banking. A significant difference in the relationship between the different constructs of the model was observed when the model was subjected to multi-group invariance testing.

The study suffers from the same limitations as most other studies involving TAM. In this study self-reported measures about the usage were taken as the actual usage. The findings of the study can be of use to marketers for target-specific marketing by customizing the marketing campaign focussing on the factors that were found to be strong influencers leading to the usage of internet banking for each target audience.

The main challenge in this study was to develop the conceptual model for the internet banking adoption by extending the TAM and to get a robust theoretical support from the extant literature for the relevant factors along with their relationship to uncover new insights about factors responsible for the internet banking adoption. The augmented model had an improved predictive capability and explanatory utility.

Although there is a rising demand for organic food restaurants (OFRs), limited studies have attempted at understanding the drivers of customers' intention to visit OFRs. There is also a need to examine customers' choice behaviour in the context of OFRs.

This study has assessed the effect of consumption values (functional, emotional, epistemic, conditional, quality and social) on the intention to visit OFRs by utilizing 1863 online customer reviews about different Indian OFRs (Study 1) and 205 survey-based responses of Indian customers (Study 2).

Findings show an overall positive sentiment towards OFRs. Results of Study 1 and Study 2 reveal that functional, quality, social and emotional values have a significant impact on customers' OFR visit intention. Interestingly, Study 2 found that epistemic values have an insignificant impact on customers' visit intention.

Study findings suggest that the OFR management need to provide a better ambience, and good quality organic food in OFRs. Additionally, managers of OFRs can train their staff to be well mannered, cooperative and sincere.

The study on OFRs is still in its nascent stage. The findings of this study will thus provide academicians and policy makers an idea of the consumption values that affect customers' intention to visit OFRs.

The purpose of this paper is to investigate the essential factors influencing the adoption and use of e-banking services as perceived by customers of the Jordanian commercial banks.

This paper adapts and modifies the unified theory of acceptance and use of the technology model. Modifications were made to explain intention to use e-banking services.

The modified model explained 0.887 of behavior intention variance and 0.516 percent of the intended degree of e-banking services use variance. Three constructs are found to be good predictors: effort expectancy (EE), social influence, and perceived e-banking services quality. Performance expectancy and hedonic motivation are not significant predictors. However, all three predictors were significantly moderated by age only.

As with any research in the field of IT adoption and consumer behavior, researchers should take into consideration the generalization of their empirical findings. The generalization could be enhanced if future research uses the Jordanian baking sector which includes Jordanian and non-Jordanian banks. Finally, the current research findings are based on the cross-sectional research method. Taking this fact into consideration, the relation between intention and actual use may raise questions. One solution is to study intention and actual use at different points in time by conducting longitudinal research to access and test the research hypotheses.

Managers need to focus on promoting e-banking services in terms of consumer’s EE, social influence, and e-banking service quality. Since young consumers are early adopters, Jordanian banks need to introduce added entertainment values for youth and extra convenience for older consumers.

The main contributions revolve around developing a better understanding of the essential factors influencing the adoption and use of e-banking services. This research incorporates a new variable: perceived e-banking quality. Thus, the proposed model provides better explanatory power than previous research.