ABSTRACT
Financial technology (Fintech) marked by technological developments in financial services, has become a significant player in the world of finance. It has the potential to increase financial services’ availability and affordability, particularly for marginalized people. The main purpose of this study was to establish the effect of Fintech on financial inclusion in the banking sector in Kenya. The proposed objectives are: to determine the effect of mobile money on financial inclusion in the banking sector in Kenya and to evaluate the role of mobile banking on financial inclusion in the banking sector in Kenya. This study was grounded in financial intermediation theory and information asymmetry and adverse selection theory. This study employed desktop research methodology. This study adds to the debate on how technology and finance intersect, opening the door for additional investigation of creative solutions for financial inclusion while promoting the attainment of sustainable development goals and sustainable development. This study established that mobile money greatly improves financial inclusion by reducing gaps for disadvantaged groups and boosting accessibility, especially in rural areas with limited traditional banking infrastructure. This study also found that mobile money services greatly improve financial inclusion in Kenya's banking sector, particularly in rural areas, by democratizing access to financial services and closing gaps for underserved populations. Furthermore, by improving accessibility, security, and efficiency, mobile banking significantly advances financial inclusion. The study recommends that regulators, financial institutions, and mobile money service providers in Kenya should work together to promote innovation and competition in the mobile banking sector.

ABSTRACT
Marcus Gunn Jaw-Winking Syndrome (MGJWS) is due to aberrant innervation of the levator muscle of the upper eyelid by a branch of the motor division of the trigeminal nerve that supplies the muscles of mastication. MGJWS is often congenital in origin and usually presents unilaterally. Here we describe a case of unilateral MGJWS in a 6-year-old female patient with unilateral ptosis.

ABSTRACT
In vitro embryo production is a process of creating a live animal through a combination of different procedures by oocyte collection from the female donor animal, maturation of oocytes in vitro, fertilization of oocytes in vitro and culturing embryos under a controlled laboratory environment. Production of embryos in vitro plays a role for improvement of cattle reproductive potential along with other technologies such as Ovum pick-up, Embryo transfer, Artificial insemination, gamete sexing, cryo preservation and genetic selection. Major advantages of in vitro production of embryos is that oocytes can be retrieved from slaughtered, juvenile, pregnant and old cattle. This helps to utilize a female cattle reproductive potential fully and produce greater number of embryos in a less amount of time unlike Multiple Ovulation and Embryo Transfer program which takes a long day. Another advantage of production of embryos in vitro is utilization of less semen. It takes only one straw of semen to fertilize more than two hundred oocytes. In vitro Production of embryos can be used to genetically select high potential female and male animal to produce genetically proved animal with a good performance for improving dairy and beef production. In vitro production of embryos will only be successful if factors such as breed of donor animal, age, body condition and nutritional management for the donor and recipient animals, laboratory equipments, bull effect, cryopreservation and semen preparation method can be controlled and managed. In vitro production of embryos along with ovum pick up technology can be taken as one of conservation strategy to increase the number of endangered animals. In general In vitro Production of embryos can be regarded as the economic gain of the country if employed in a large scale program.

ABSTRACT
This study provides an overview of the theoretical framework for managing student affairs in public universities in the North Central region of Vietnam. Despite various efforts, student affairs management at these universities still faces numerous challenges and limitations. To meet the requirements of higher education management innovation and overcome these issues, a comprehensive approach with coordinated, effective, and standardized management solutions is necessary. The paper proposes five main solutions: raising awareness about student affairs and management for student affairs managers; innovating organizational structures and improving coordination mechanisms for student affairs management appropriate to the practical context; enhancing the capacity of dedicated staff and increasing the application of information technology and digital technology in managing student affairs; innovating the evaluation and inspection of student affairs management in schools; innovating the content and methods of organizing student affairs and managing student affairs. These solutions aim to improve the quality of student affairs management, thereby contributing to the mission of the university and enhancing the overall educational experience and the quality of the workforce. The proposed solutions are based on scientific and practical arguments from student affairs.

ABSTRACT
The present study was aimed at studying the perceived occupational stress among male and female teachers working in +2 private schools with special reference to Darbhanga district, India. It is undoubtedly fact that in recent years our private educator’s organizations and other groups have sought to improve the public image of the teaching occupation so as to attract more people in to the occupation. Hence, the present piece of research work is of immense value on the problem mentioned above. For the present investigation, total sample consisted of one hundred sixty (N=160) comprising male (n=80) and female (n=80) teachers working in +2 Private Schools were randomly selected from different private schools of Darbhanga district. Data were collected through questionnaire schedules on the sample. Having obtained the data on the items of the schedules, individual scores were summed up and tabulated according to procedure of the scales for giving statistical treatment. Results indicated the fact that there is a significant difference between male and female teachers working in +2 private Schools of Darbhanga district in their degree of perceived reactions on occupational stress as t-value has been found statistically significant at .05 but all the teachers reported more or less moderate level of occupational stress. On the other hand, no significant difference has been found between the groups of males and females in terms of their degree of the dimensions of occupational stress, viz. unreasonable groups and political pressures, under participation, intrinsic impoverishment, low status, and unprofitability. although few dimensions of occupational stress out of twelve dimensions viz., role overload, role ambiguity, responsibility for persons, poor peer relations and strenuous working conditions have been found as the predictors between male and female teachers as these dimensions has been found statistically significant at .01 and ,05 level of confidence although both ...