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You’Re Dying Up There, Ryan H. Smith Jan 2023

You’Re Dying Up There, Ryan H. Smith

Master's Theses

YOU’RE DYING UP THERE is a feature-length dramatic screenplay about Bob Nash, a struggling stand-up comedian, whose sole focus, after discovering he has stage IV lung cancer, becomes headlining The Comedy Store in Los Angeles. This feature length dramatic screenplay serves as a meditation for how to write an anti-hero, as well as an exploration of the emotional depths of the traditional harlequin role. By stripping away much of the joke-heavy presence that the main character resides in as a public persona, the audience can explore both the depression he experiences and the loathsome qualities he possesses. Nash convinces his …


Common Pattern Generation For The Detection Of Lolbin Attacks, Alaa Abushqeir Jan 2023

Common Pattern Generation For The Detection Of Lolbin Attacks, Alaa Abushqeir

Master's Theses

The cybersecurity environment is constantly evolving as attackers deploy progressively advanced methodologies. The utilization of Living Off the Land Binaries (LOLBins) represents a notable strategy in which normal system utilities are exploited for the purpose of executing malicious actions. This approach poses difficulties in terms of both detection and mitigation. The primary objective of this study is to examine LOLBins, which are a specific category of tactics falling under the broader concept of ”Living Off the Land” (LOL). In LOLBins, malicious actors exploit pre-existing tools in order to maintain a covert presence and circumvent security measures. Defending against LOLBins is …


The Debate On Nil: Progress For Female Collegiate Sports?, Stephanie Andrada Jan 2023

The Debate On Nil: Progress For Female Collegiate Sports?, Stephanie Andrada

Master's Theses

In this study, seven female collegiate athletes from three different women’s sports teams (basketball, gymnastics, and volleyball) from a mid-major, Division-I college were interviewed. The study analyzed the lived experiences that NIL has on these specific female athletes in these particular women’s sports using a qualitative methodology. Three research questions were posed:

  1. In what ways does the commercialization of college sports influence the NIL opportunities for these female athletes?
  2. Could NIL perpetuate an uneven playing field for these female athletes in competition for limited resources?
  3. To what degree do these female college athletes feel that NIL presents opportunities for equitable …


Electronic And Optical Properties Of 2d Materials And Their Van Der Waals Heterostructures Using Density Functional Theory, Paridhi Bisht Jan 2023

Electronic And Optical Properties Of 2d Materials And Their Van Der Waals Heterostructures Using Density Functional Theory, Paridhi Bisht

Master's Theses

Layered 2D materials offer unique physical and chemical properties, including high surface area-to-volume ratios, layer-dependent electronic and optical traits, and scalability. Transition metal dichalcogenides (TMDs) represent a versatile class within 2D materials, with metals, semiconductors, insulators, and superconductors. Weak van der Waals forces between layers enable easy exfoliation and stacking for vertical heterostructures, promising electronic and optical device manipulation. This thesis investigates monolayer graphene, h-BN, MoTe2, WTe2-2H, WTe2-1T', and their heterostructures using DFT-based calculations. Results show stable heterostructures, particularly Gr/WTe2-2H as a Schottky n-type junction for FETs and magnetoresistance devices. Strain-induced bandgap modulation and redshifts offer potential for bandgap engineering …


Examining The Role Of Echo-Chambers Within Online Incel Communities Using Sentiment Analysis And Group Based Trajectory Modeling, Francesca Florine Fanucchi Jan 2023

Examining The Role Of Echo-Chambers Within Online Incel Communities Using Sentiment Analysis And Group Based Trajectory Modeling, Francesca Florine Fanucchi

Master's Theses

Technological advancements within the last decade have created new opportunities for social movements to meet and communicate online with like-minded individuals. Under this notion, these online communities generate an echo-chamber of information, to which certain individuals only surround themselves with people sharing similar values and opinions. As a result, online platforms (e.g., forums, blogs, websites) form as safe spaces for members to express their views seen as unacceptable offline. Research examining the role of echo-chambers in facilitating extremist rhetoric within online incel communities is limited, despite real-world acts of violence perpetrated by self-proclaimed incels. Therefore, the objective of this thesis …


Thinking Styles, Conspiracist Belief, And The Mediating Role Of The Dunning-Kruger Effect In Modeling Belief Change, Lucas C. Cusano Jan 2023

Thinking Styles, Conspiracist Belief, And The Mediating Role Of The Dunning-Kruger Effect In Modeling Belief Change, Lucas C. Cusano

Master's Theses

Why can a person believe something for which there is no evidence and yet also fail to believe something for which there is overwhelming evidence? This study develops a structural model of belief change using the latent constructs of thinking styles and conspiracist belief while accounting for the Dunning-Kruger effect (i.e., overconfidence in one’s knowledge the less one knows about a topic) as a mediator. A combined two-hundred and twenty-six participants from both Amazon’s Mechanical Turk and the introductory psychology SONA subject pool were given two knowledge measures on topics of genetic modification and vaccination before and after reading refutational …


Habitat Value Of Stormwater Retention Basins For Avian Species In The South San Francisco Bay, Maya D. Briones Jan 2023

Habitat Value Of Stormwater Retention Basins For Avian Species In The South San Francisco Bay, Maya D. Briones

Master's Theses

Shorebird populations are declining worldwide due to habitat fragmentation, degradation, and loss. A potential, understudied set of resources that might be used to benefit waterfowl, especially breeding shorebirds, are artificial wetlands such as stormwater retention basins. This study evaluated the habitat value of stormwater retention basins in the San Francisco Bay Area by measuring species abundance, richness, and behavior. Seston, or biota and other suspended material, was collected and tested for mercury contents. Additionally, the habitat features within each basin were recorded and tracked for changes over a year. The stormwater retention basins supported a higher diversity of bird species …


Examining The Plasticity Of The Dive Response In Relation To Dive Behavior Of Northern Elephant Seals (Mirounga Angustirostris), Shawn M. Hannah Jan 2023

Examining The Plasticity Of The Dive Response In Relation To Dive Behavior Of Northern Elephant Seals (Mirounga Angustirostris), Shawn M. Hannah

Master's Theses

Marine mammals face an extraordinary challenge as they must actively hunt during breath-hold dives. This challenge is conquered by the dive response (the decreased heart rate and increased peripheral vasoconstriction associated with a breath hold) and is influenced by dive duration, depth, exercise, and cognitive control. I studied the dive response of one of the deepest diving marine mammals, the northern elephant seal, across two years to determine interactions between behavioral and physiological factors on a fine scale. I examined the influence of dive depth, duration, and activity (ODBA) on dive heart rate (fH), pre- and post-dive fH, post-dive surface …


Melt Inclusion Record Of Submarine Caldera Formation On Axial Seamount, Juan De Fuca Ridge, Destiny Kapule Jan 2023

Melt Inclusion Record Of Submarine Caldera Formation On Axial Seamount, Juan De Fuca Ridge, Destiny Kapule

Master's Theses

This study contributes to understanding magmatic processes and the plumbing system of submarine volcanoes before, during, and after caldera formation with the use of melt inclusions (MIs). Major, trace and volatile geochemistry from both olivine and plagioclase-hosted MIs taken from volcaniclastic deposits around Axial Seamount reveal information about the storage conditions, ascent rates and eruption styles of magmas. Magma crystallizes in the subsurface, capturing MIs, and ascends where some host glasses may interact with seawater during eruption. Oversaturation in volatiles and low vesicularity show quick ascent rates. By analyzing chemical data within a pre-existing stratigraphic context this study can assess …


Optimizing Soluble Recombinant Expression Of The Aedes Aegypti Early Trypsin Protease, Neomi Millan Jan 2023

Optimizing Soluble Recombinant Expression Of The Aedes Aegypti Early Trypsin Protease, Neomi Millan

Master's Theses

The female Aedes aegypti mosquito is a primary vector for the transmission of blood–borne viral pathogens such as Chikungunya, Zika, Yellow Fever, and Dengue. The female mosquito will become infected with these pathogens through the uptake of a blood meal from an infected host. The midgut digestive enzymes are required to digest the blood meal to obtain necessary nutrients needed for the completion of the gonotrophic cycle. Blood meal digestion is biphasic and digestive enzymes are expressed at different time points after uptake of a blood meal. The focus of this study is on an early phase protease known as …


Investigating The Misinformation Effect And Physical Activity In An Online Study, Victoria C. Paoloni Jan 2023

Investigating The Misinformation Effect And Physical Activity In An Online Study, Victoria C. Paoloni

Master's Theses

The purpose of this study was to explore the relationship between physical activity and susceptibility to false memory. Among the many benefits of physical activity are brain changes and cognitive improvements. However, few studies have examined the effects of physical activity on false memory, and none have investigated the relationship between physical activity and susceptibility to false memories generated via the misinformation effect. This study was conducted to address that gap and was also among the first to use a misinformation paradigm in an online study. It was hypothesized that greater amounts of weekly physical activity among young adults would …


Interdependence Of Salt Concentration And Filler Particles On Crystallinity And Mechanical Behavior Of Peo-Litfsi Electrolytes For Lithium-Ion Batteries, Valeria Perez Jan 2023

Interdependence Of Salt Concentration And Filler Particles On Crystallinity And Mechanical Behavior Of Peo-Litfsi Electrolytes For Lithium-Ion Batteries, Valeria Perez

Master's Theses

Developing composite polymer electrolytes is crucial for enhancing the safety, energy density, and performance of lithium-ion batteries. While it is widely accepted that introducing filler particles in PEO-based electrolytes can reduce crystallinity and enhance ionic conductivity, this conventional understanding applies primarily to electrolytes with high lithium salt concentrations. The hypothesis of this investigation is that the crystallinity change induced by LLZTO ceramic particles in PEO-LiTFSI electrolytes is contingent on the EO:Li molar ratio. This hypothesis is interrogated by measuring changes in crystallinity, spherulite morphology, and stiffness of composite polymer electrolytes with two different EO:Li molar ratios using differential scanning calorimetry, …


Cirrus Microphysical Properties And The Controlling Factors Using A Machine Learning Approach, Derek D. Ngo Jan 2023

Cirrus Microphysical Properties And The Controlling Factors Using A Machine Learning Approach, Derek D. Ngo

Master's Theses

Cirrus clouds are located at high altitudes and are composed of ice crystals. The unique location of cirrus clouds and their large variability in-cloud microphysical properties allow them to have either warming or cooling effects on Earth’s surface and affect the Earth’s energy budget on a global scale. The examination of cirrus radiative effects is further complicated by multiple factors affecting their formation and evolution, including the effects of thermodynamic, dynamic, aerosol, and chemical tracer variables. In this work, we developed a composite aircraft-based in-situ observation dataset based on seven National Science Foundation (NSF) and five NASA flight campaigns that …


Detecting The Onion Routing Traffic In Real-Time By Using Reinforcement Learning, Dazhou Liu Jan 2023

Detecting The Onion Routing Traffic In Real-Time By Using Reinforcement Learning, Dazhou Liu

Master's Theses

Anonymous networks have been popularly utilized to protect user anonymity and facilitate network security for a decade. However, such networks have been a platform for adversarial affairs and various network attacks including suspicious traffic generators. As a result, detecting anonymous network traffic is one critical task to defend a network against unpredictable attacks. Many new methods using machine learning and deep learning techniques have been proposed. However, many of them rely heavily on a vast amount of labeled data and have complicated architectures. Since network traffic always fluctuates under different network environments, those techniques may degrade in performance due to …


The Relationship Between Perceived Person-Job Fit And Affective Commitment And Organizational Citizenship Behavior: The Mediating Role Of Psychological Empowerment, Mei Shimizu Jan 2023

The Relationship Between Perceived Person-Job Fit And Affective Commitment And Organizational Citizenship Behavior: The Mediating Role Of Psychological Empowerment, Mei Shimizu

Master's Theses

Perceived person-Job (P-J) fit has become an important phenomenon to study given its impact on organizational effectiveness. However, there is still limited knowledge about how it impacts job-related attitudes and behaviors. The present study explored the mediating role of psychological empowerment as a potential mediator on the relationship between perceived person-job fit, affective commitment and organizational citizenship behavior (OCB). It was hypothesized that psychological empowerment would act as a mediator of the relationship between perceived P-J fit and affective commitment and OCB. Data were obtained from a sample of 94 employed individuals. Consistent with the hypotheses, the results of the …


Micro-Scale Laser-Induced Fluorescence Thermometry For Multiphase Flow In Porous Media, Samuel J. Simmons Jan 2023

Micro-Scale Laser-Induced Fluorescence Thermometry For Multiphase Flow In Porous Media, Samuel J. Simmons

Master's Theses

In this thesis the use of Laser-Induced Fluorescence (LIF) thermometry was evaluated as a temperature measurement for multiphase flow in porous media. This optical temperature measurement technique utilizes the temperature-dependent emissive properties of fluorescent dyes to measure temperature. This research evaluates the accuracy, spatial resolution, and temporal resolution of LIF thermometry compared to existing temperature measurements. In this research water-soluble and oil-soluble fluorescent dyes are evaluated in terms of their temperature sensitivity. The ability of these dyes to measure temperature is compared to an Ansys FEA simulation of a fixed temperature gradient. For multiphase flow, the fluorescent dyes were both …


Behavorial Response Of Diving Northern Elephant Seals (Mirounga Angustirostris) When Exposed To Predator Calls, Daphne M. Shen Jan 2023

Behavorial Response Of Diving Northern Elephant Seals (Mirounga Angustirostris) When Exposed To Predator Calls, Daphne M. Shen

Master's Theses

Understanding how marine mammals respond to and recover from acoustic stressors is crucial if underwater noise increases. The use of an animal-borne biologger that combines a speaker with a motion sensor allows for the collection of whole-dive and fine-scale data over repeated exposures under identical experimental parameters. This study determined whether northern elephant seals (Mirounga angustirostris), a model for deep-diving marine mammals, exhibited a stereotypical behavioral response when exposed to killer whale whistles, an acoustic stressor. I examined changes in dive characteristics, measured duration of altered response, and observed behavior in response to repeated exposures. When exposed to the playback …


The Mediating Role Of Perceived Organizational Support On The Relationship Between Wellness Programs And Job Satisfaction, Andy Tran Jan 2023

The Mediating Role Of Perceived Organizational Support On The Relationship Between Wellness Programs And Job Satisfaction, Andy Tran

Master's Theses

The purpose of the current study was to examine the mediating role of perceived organizational support (POS) on the relationship between wellness programs (participations and availability) and job satisfaction. A total of 83 employees participated in the study, which utilized online survey distribution. Results showed that POS fully mediated the relationship between both participation and availability of wellness programs and job satisfaction. In other words, employees who participated in a wellness program felt more supported by their organization, leading to greater job satisfaction. In addition, the results suggested that when organizations offered more wellness programs, employees were more likely to …


An Exploration Of The Low Prevalence Effect During Phising Detection, Sherry J. Wei Jan 2023

An Exploration Of The Low Prevalence Effect During Phising Detection, Sherry J. Wei

Master's Theses

Phishing attacks are attempts to obtain individual credentials or other private information through deception, usually in email format. As the Internet becomes increasingly intertwined with everyday lives, such attacks are on the rise, threatening individuals and businesses alike. Existing anti-phishing training measures fail to address possible prevalence effects on detection performance: in tasks where targets appear rarely, participants have heightened miss rates. This low prevalence effect could be present in phishing detection because phishing emails are observed much less frequently than legitimate emails. Emerging research has reported observing heightened miss rates as a function of phishing email rarity. This study …


How Should I Fall Apart For You? A Critical Autoethnography Exploring Embodied Trauma, Julie R. Terebkov Jan 2023

How Should I Fall Apart For You? A Critical Autoethnography Exploring Embodied Trauma, Julie R. Terebkov

Master's Theses

Defining and naming trauma is a layered and nuanced process but hegemonic medical and media discourses have forced trauma into a system of binary terms and categories. This study begins with an exploration of how hegemonic discourses define trauma and how focusing on embodied trauma disrupts the limiting language presently available. I use Lisa Blackman’s (2008) work on embodiment to explore how our bodies move, take on, and shed trauma as a form of disruption to oppressive language. Blackman’s theory is used to examine my own embodied trauma through a critical autoethnography using prose and narrative I developed in narrative …


Cloud Phase Distribution At A Global-Scale And The Governing Factors Using Satellite And In-Situ Airborne Observations, Dao Wang Jan 2023

Cloud Phase Distribution At A Global-Scale And The Governing Factors Using Satellite And In-Situ Airborne Observations, Dao Wang

Master's Theses

Cloud thermodynamic phase distributions play a crucial role in accurately representing cloud radiative effects and feedback in a changing climate. The partitioning of cloud thermodynamic phases (ice, liquid, and mixed phase) significantly influences Earth's surface temperature and its ability to mitigate the impact of global warming. Satellite-based cloud phase data are frequently used for the evaluation of global climate models, yet validation of them against in-situ observations is still lacking. This study examines global cloud phase distributions and their determinant factors by validating three satellite-based cloud phase products against an extensive in-situ airborne dataset. CALIPSO exhibits the most similar ice …


Predicting Lower Millennial Turnover Intentions: Examining Work Benefits Factors And Organizational Environment Factors As Sets, Lyric W. Fortson Jan 2023

Predicting Lower Millennial Turnover Intentions: Examining Work Benefits Factors And Organizational Environment Factors As Sets, Lyric W. Fortson

Master's Theses

Millennials make up the majority of the working population now, however organizations are struggling to retain them, as they tend to turnover in their job roles after an average of just a few years. The purpose of this study was to examine what workplace variables could predict lower turnover intentions in Millennials. This study examined a set of two work benefits factors, satisfaction with salary and satisfaction with career advancement, and a set of three organizational environment factors, satisfaction with feedback, satisfaction with supervisor, and satisfaction with work-life balance, as predictors of lower turnover intentions in Millennials. A survey was …


Bubble Detection Under Microgravity In A Closed-Loop Microchannel Perfusion System, Max S. Kim Jan 2023

Bubble Detection Under Microgravity In A Closed-Loop Microchannel Perfusion System, Max S. Kim

Master's Theses

Altered gravitational conditions result in changes in biological function. Studies in microgravity have shown irregularities in fluid redistribution within the vascular system. In order to study these irregularities, a cell culture perfusion system is necessary. Bubbles can proliferate in closed-loop systems and are detrimental to cells. However, the effects of bubbles in a closed-loop system in microgravity are unknown. Accordingly, the hypothesis of this investigation is that the absence of a constant-direction gravitational body force will exacerbate the presence of bubbles in a closed-loop microfluidic perfusion system. In order to examine the hypothesis, a closed-loop microfluidic cell culture perfusion system …


Accident Prediction On E-Bikes Using Computer Vision, Rohith Puvvala Subramanyam Jan 2023

Accident Prediction On E-Bikes Using Computer Vision, Rohith Puvvala Subramanyam

Master's Theses

Micro Mobility refers to small, confined pace range, and lightweight modes oftransportation, which include e-Bikes and e-Scooters. Micro Mobility riders are prone to harm and deadly injuries on city streets. Statistics show that on average 27 out of 82 (33%) humans, in the United States get injured every day in e-motorcycle injuries, which is rapidly increasing as compared to previous years. The current accident prediction strategies have been rather technically complicated to be incorporated onto micromobility vehicles which are lighter in weight and smaller in size. Current strategies bring key challenges to light. First, as micro-mobility vehicles are small and …


Where And Why Do Ecosystem-Based Adaption Projects Take Place In California?, Daniel K. Jacobson Jan 2023

Where And Why Do Ecosystem-Based Adaption Projects Take Place In California?, Daniel K. Jacobson

Master's Theses

California is experiencing the harmful impacts of climate change and will continue to do so for generations. As a result, municipalities have been forced to turn to adaptation solutions to help local residents adjust to inevitable impacts such as sea level rise, extreme heat, and extreme weather. Ecosystem-based adaptation (EbA), the use of nature and ecosystem services to help human systems adapt to climate change impacts, is an increasingly popular, cost-effective, and multi-benefit adaptation strategy. While prior research has shown that other forms of adaptation, often referred to as ‘hard’ and ‘soft’ strategies, disproportionately benefit whiter and wealthier populations, there …


Advertisement Blindness In Social Media Apps, Nora Szladovics Jan 2023

Advertisement Blindness In Social Media Apps, Nora Szladovics

Master's Theses

Advertisement blindness (ad blindness) is a general term that refers to people’s tendency to automatically and unconsciously ignore advertisements. The phenomenon was originally identified in banner ads, then later in text and native ads on websites. Today, social media is an effective tool for advertisers, yet research investigating users’ interaction habits with social media ads in mobile applications (apps) is unexplored. This study expands the ad blindness concept to mobile social media apps, examining its presence and whether target position has an influence. Further, it investigates the relationship between social media use and ad blindness. Employing a novel approach, the …


Reconstructing Auditory Evoked Cortical Response With Fewer Trials, Zoey Y. Zhang Jan 2023

Reconstructing Auditory Evoked Cortical Response With Fewer Trials, Zoey Y. Zhang

Master's Theses

Auditory evoked fields (AEF) paradigm is a common research tool to study human auditory responses by using Magnetoencephalography (MEG), a neuroimaging tool. AEF paradigm requires repetition over many trials to achieve adequate signal-to-noise ratio (SNR), but Autistic children and some other populations cannot tolerate prolonged exam time due to various reasons. To address these challenges, this project uses a novel machine learning algorithm, Champagne with baseline noise learning, to reconstruct AEF data with fewer trials (80%, 60%, 40%, 20%) but produce the same results as using all AEF trials (100%). The results show that this novel machine learning algorithm can …


Metal-Ligand Interactions In A Redox Active Ligand System. Electrochemistry And Spectroscopy Of [M(Dipyvd)2]N+ (M=Zn, Ni, N=0, 1, 2), Connor Fleming, Son Vu, David J.R. Brook, Stefano Agrestini, Eric Pellegrin, Jeffrey Daros Jan 2023

Metal-Ligand Interactions In A Redox Active Ligand System. Electrochemistry And Spectroscopy Of [M(Dipyvd)2]N+ (M=Zn, Ni, N=0, 1, 2), Connor Fleming, Son Vu, David J.R. Brook, Stefano Agrestini, Eric Pellegrin, Jeffrey Daros

Faculty Research, Scholarly, and Creative Activity

Reaction of nickel and zinc triflates with the tridentate leucoverdazyl 1-isopropyl-3,5-di (2′-pyridyl)-6-oxo-2H-tetrazine (dipyvdH) and triethylamine resulted in the neutral coordination compounds M(dipyvd)2 (M = Ni,Zn). In acetonitrile, both compounds undergo two one electron oxidation processes, Zn (dipyvd)2 at −0.28 V and −0.12 V and Ni(dipyvd)2 at −0.32 V and −0.15 V vs ferrocene/ferricenium. Oxidations are ligand based resulting in an intermediate mixed valence species and a cationic bis(verdazyl) compound respectively. Oxidation of the ligand changes a localized, antiaromatic, non-planar 8π electron anion to a planar, delocalized 7π electron radical. The change in ligand structure results in an increase in the …


Reconfigurations In Brain Networks Upon Awakening From Slow Wave Sleep: Interventions And Implications In Neural Communication, Cassie J. Hilditch, Kanika Bansal, Ravi Chachad, Lily R. Wong, Nicholas G. Bathurst, Nathan H. Feick, Amanda Santamaria, Nita L. Shattuck, Javier O. Garcia, Erin E. Flynn-Evans Jan 2023

Reconfigurations In Brain Networks Upon Awakening From Slow Wave Sleep: Interventions And Implications In Neural Communication, Cassie J. Hilditch, Kanika Bansal, Ravi Chachad, Lily R. Wong, Nicholas G. Bathurst, Nathan H. Feick, Amanda Santamaria, Nita L. Shattuck, Javier O. Garcia, Erin E. Flynn-Evans

Faculty Research, Scholarly, and Creative Activity

Sleep inertia is the brief period of impaired alertness and performance experienced immediately after waking. Little is known about the neural mechanisms underlying this phenomenon. A better understanding of the neural processes during sleep inertia may offer insight into the awakening process. We observed brain activity every 15 min for 1 hr following abrupt awakening from slow wave sleep during the biological night. Using 32-channel electroencephalography, a network science approach, and a within-subject design, we evaluated power, clustering coefficient, and path length across frequency bands under both a control and a polychromatic short-wavelength-enriched light intervention condition. We found that under …


Fintech Adoption Dynamics In A Pandemic: An Experience From Some Financial Institutions In Nigeria During Covid-19 Using Machine Learning Approach, Onome Christopher Edo, Egbe Etu Etu, Imokhai Tenebe, Oluwarotimi Samuel Oladele, Solomon Edo, Oladapo Ayodeji Diekola, Joshua Emakhu Jan 2023

Fintech Adoption Dynamics In A Pandemic: An Experience From Some Financial Institutions In Nigeria During Covid-19 Using Machine Learning Approach, Onome Christopher Edo, Egbe Etu Etu, Imokhai Tenebe, Oluwarotimi Samuel Oladele, Solomon Edo, Oladapo Ayodeji Diekola, Joshua Emakhu

Faculty Research, Scholarly, and Creative Activity

The novel coronavirus caused a lifestyle shift, and the acceptance of offsite financial transactions is still a case for financial technology (fintech). Mobile financial transactions continue to be at an all-time low, and financial institutions are developing approaches for financial digitalization acceptability. The present study attempts to understand users’ motivations for fintech adoption. The technology acceptance model (TAM) and the unified theory of acceptance and use of technology (UTUAT) were utilized to uncover the rationale behind technology adoption. This study explored the drivers inhibiting the adoption of financial technology in Nigeria during the pandemic. A machine learning (ML) approach was …