PurposeTo identify the financial stress and associate factors of tertiary level student.Design/methodology/approachTo identify the financial stress and associate factors, a structured questionnaire was developed to collect data from 571 students of different universities of Bangladesh through Google form. Chi square and Cramer's V were applied to find the associated factors with financial stress of students, whereas ordinal regression was performed to evaluate the influence of the associated factors on financial stress.FindingsGender, living status, borrowing loan factors have positive association with financial stress. Tuition fee dues have significant positive association with financial stress. A student who has tuition fee dues feels 1.48 times more stress compared to student who does not have dues. Females were found less likely to be financially stressed (AOR = 1.536) than male students. Students who borrowed loans were more likely to have financial stress than non-borrowed loan groups of students.Practical implicationsResults indicate that financial stress has a strong impact on participation in different academic and personal activities of a student. Therefore, parents, university administration and student counselor should consider the factor to assess stress of a student.Originality/valueThis study identified factors responsible for financial stress of Bangladeshi students of tertiary level.

Abstract-This paper aims to find out the key factors influencing mobile users to adopt 3Gtechnology and affecting the subscriber's feedback while using third generation (3G) mobile services that are available for one year in Bangladesh. An interesting fact that motivated this research was the significant low rate of 3G service usage among mobile operators in Bangladesh though we get the completely opposite picture worldwide. To examine the user acceptance and to depict user behavioral pattern, data were collected from 200 respondents through a survey. The analysis was done into two categories: one was in general and the other one was department based. The results of the study revealed the user intention, awareness, attitude, expectation, key 3G service usage etc. The findings have future implications for existing as well as newly arrived service providers who have very recently started their journey. Considering these identified factors would provide the directions for telecom operators to achieve high rate of 3G service adoption and to provide more successful 3Gservices.However, the study covered a limited area where those findings are applicable. The result of this study might be helpful for the telecom operators while targeting the 3G subscriber market and also for the future research on this field.