A hierarchical framework is proposed to address the issues of modeling different type of words in keyword spotting (KWS). Keyword models are built at various levels according to the availability of training set resources for each individual word. The proposed approach improves the performance of KWS even when no training speech is available for the keywords. It also suggests an easier way to co...

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India’s post-GFC digital financial inclusion project has been conveyed by an officially constructed polysemic narrative that connotes three distinctive semantic fields: (a) post-colonial Indian developmental policies; (b) financialising neoliberal programmes; and (c) traditional Hindu religious values of money wealth. By assembling a semiological conceptual toolbox from the works Barthes, Eco, ...

Innovations in the financial sector play a critical role promoting economic growth. Studies that have sought to investigate this linkage sub-Saharan Africa produced mixed results. None of existing studies attempted examine possible mediating inclusion explaining relationship between innovations and This paper thus establish if mediates innovation Secondary data from (26 selected SSA countries o...

Transformation towards Financial technology makes possibilities throughout all areas of the economy for growth. Emerging developing economies have seen a fast expansion financial and mobile money services. FinTech projects, which are regarded as some most significant advances in sector, also obviously been driven by growth digital transformation, Mobile wallets address economic infrastructure v...

Efforts are being exerted in many developing countries to promote financial inclusion by increasing individuals’ access products and services. However, literature suggests that the supply of services per se may not help expanding unless concerted efforts enhancing literacy. This is because financially literate individuals more likely appreciate value hence take up products. paper reports link b...