No abstract

Mobile banking is an innovative solution for improving financial inclusion; however, the use of this technology is still very limited in developing countries. Consequently, this study aims to investigate elements affecting mobile banking adoption in a developing country context by applying the well-known Unified Theory of Acceptance and Use of Technology two (UTAUT2) model. Since most existing investigations on mobile banking using the UTAUT2 neglect the effects of personality traits, this investigation extends the UTAUT2 with a new antecedent not considered in previous studies, the consumer proactive personality. This study empirically tests the proposed partial mediation model using path analysis with data collected from Lebanese bank customers who are current non-users of mobile banking. Results show a full mediation model, confirming that some UTAUT2 drivers fully mediate the effect that proactive personality has on consumer intention to adopt mobile banking and highlighting the relevance of proactive personality on all UTAUT2 drivers. This study expands the Unified Theory of Acceptance and Use of Technology two and examines how a personality trait—proactive personality—relates to mobile banking adoption through the UTAUT2 perceptions in a developing country context.

with detectable disease (p = 0.022). Only mutations in U2AF1 were significantly associated with absence of MRD-(p = 0.035). We analyse samples from 12 patients prior to transplant in order to determine in chemotherapy is able to "clear'' somatic mutations: 8 of them were non-mutated pre HSCT and 7 had any mutated gene. We didn't found any relationship between "clearing'' of mutations and disease status prior to transplant. After a median of follow up for survivors of 4.35 years, median Overall Survival (OS) and Disease Free Survival (DFS) were 6.24 and 0.83 years, respectively. Non-muted patients had a significantly better DFS than patients with any mutation at diagnosis (83.3% vs. 21.4%, p = 0.019). Univariate analysis determined that mutational status (mutated vs. non-mutated), complex karyotype and somatic mutations in SF3B1, SRSF2 and TP53 significantly influenced on DFS. In the multivariate analysis only mutations in SRSF2 (HR 6.42) and TP53 (HR 8.77) retained their signification. Summary/Conclusion: We conclude that the presence of somatic mutations at diagnosis in patients with HR-MDS receiving intensive chemotherapy could have a significant impact on DFS and could be related with response.