This research investigates the determinants of initial take-up and continued usage of mobile financial services (MFS) by rural clients of Jharkhand. This research investigates differences in mobile financial service (MFS) usage in five rural districts in Jharkhand and the determinants of such patterns.

Abstract This Masonic work is a tribute to the hand. The hand is not honoured enough, perhaps because using it all the time becomes too habitual, like a routine; as if it were taken for granted, and we forget its value. The hand serves us throughout our lives to work, to dress, to wash, to eat, to drink, and for many other things. Besides its supporting function in everyday life, the five-fingered hand allows us to communicate and express our feelings. Furthermore, the hand is a member of the human body often used by Freemasons; it becomes a symbolic tool, as in a chain of union between brothers, symbolizing sharing, brotherly love, and unity. The hand executes, but also has a creative force. Art, emotions, and the hand are intimately linked. Indeed, it is with the hand that we write, build, destroy, play an instrument, and paint. The hand becomes the manifestation of human actions, along with social and emotional connections. The hand is ultimately the mirror of the soul, translating our intentions, highlighting our thoughts, our expression. Body language and body language are linked. This work therefore proposes to highlight the important role of the hand and its five fingers, through the study of three rituals: the French Rite, the Ancient and Accepted Scottish Rite, and the Modern Belgian Rite. This research concludes with a poem.

Integration of WSNs with AI technologies has transformed intelligent and decision-making system paradigm in various domain such as smart city, healthcare, agriculture, and industrial automation. DSNs are formed by tens or hundreds distributed sensor nodes, which gather a huge amount of environmental and physical data, but this alone cannot exploit to the full potential without AI in order to perform smart processing, anomaly detection, predictive analytics, and autonomous control.