Search results for: Brahim Fares Zaidi
138 The Combination of the Mel Frequency Cepstral Coefficients, Perceptual Linear Prediction, Jitter and Shimmer Coefficients for the Improvement of Automatic Recognition System for Dysarthric Speech
Authors: Brahim Fares Zaidi
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Our work aims to improve our Automatic Recognition System for Dysarthria Speech based on the Hidden Models of Markov and the Hidden Markov Model Toolkit to help people who are sick. With pronunciation problems, we applied two techniques of speech parameterization based on Mel Frequency Cepstral Coefficients and Perceptual Linear Prediction and concatenated them with JITTER and SHIMMER coefficients in order to increase the recognition rate of a dysarthria speech. For our tests, we used the NEMOURS database that represents speakers with dysarthria and normal speakers.Keywords: ARSDS, HTK, HMM, MFCC, PLP
Procedia PDF Downloads 108137 The Combination of the Mel Frequency Cepstral Coefficients (MFCC), Perceptual Linear Prediction (PLP), JITTER and SHIMMER Coefficients for the Improvement of Automatic Recognition System for Dysarthric Speech
Authors: Brahim-Fares Zaidi, Malika Boudraa, Sid-Ahmed Selouani
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Our work aims to improve our Automatic Recognition System for Dysarthria Speech (ARSDS) based on the Hidden Models of Markov (HMM) and the Hidden Markov Model Toolkit (HTK) to help people who are sick. With pronunciation problems, we applied two techniques of speech parameterization based on Mel Frequency Cepstral Coefficients (MFCC's) and Perceptual Linear Prediction (PLP's) and concatenated them with JITTER and SHIMMER coefficients in order to increase the recognition rate of a dysarthria speech. For our tests, we used the NEMOURS database that represents speakers with dysarthria and normal speakers.Keywords: hidden Markov model toolkit (HTK), hidden models of Markov (HMM), Mel-frequency cepstral coefficients (MFCC), perceptual linear prediction (PLP’s)
Procedia PDF Downloads 161136 A Redesigned Pedagogy in Introductory Programming Reduces Failure and Withdrawal Rates by Half
Authors: Said Fares, Mary Fares
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It is well documented that introductory computer programming courses are difficult and that failure rates are high. The aim of this project was to reduce the high failure and withdrawal rates in learning to program. This paper presents a number of changes in module organization and instructional delivery system in teaching CS1. Daily out of class help sessions and tutoring services were applied, interactive lectures and laboratories, online resources, and timely feedback were introduced. Five years of data of 563 students in 21 sections was collected and analyzed. The primary results show that the failure and withdrawal rates were cut by more than half. Student surveys indicate a positive evaluation of the modified instructional approach, overall satisfaction with the course and consequently, higher success and retention rates.Keywords: failure rate, interactive learning, student engagement, CS1
Procedia PDF Downloads 308135 Elasticity Model for Easing Peak Hour Demand for Metrorail Transport System
Authors: P. K. Sarkar, Amit Kumar Jain
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The demand for Urban transportation is characterised by a large scale temporal and spatial variations which causes heavy congestion inside metro trains in peak hours near Centre Business District (CBD) of the city. The conventional approach to address peak hour congestion, metro trains has been to increase the supply by way of introduction of more trains, increasing the length of the trains, optimising the time table to increase the capacity of the system. However, there is a limitation of supply side measures determined by the design capacity of the systems beyond which any addition in the capacity requires huge capital investments. The demand side interventions are essentially required to actually spread the demand across the time and space. In this study, an attempt has been made to identify the potential Transport Demand Management tools applicable to Urban Rail Transportation systems with a special focus on differential pricing. A conceptual price elasticity model has been developed to analyse the effect of various combinations of peak and nonpeak hoursfares on demands. The elasticity values for peak hour, nonpeak hour and cross elasticity have been assumed from the relevant literature available in the field. The conceptual price elasticity model so developed is based on assumptions which need to be validated with actual values of elasticities for different segments of passengers. Once validated, the model can be used to determine the peak and nonpeak hour fares with an objective to increase overall ridership, revenue, demand levelling and optimal utilisation of assets.Keywords: urban transport, differential fares, congestion, transport demand management, elasticity
Procedia PDF Downloads 309134 Investigating Software Engineering Challenges in Game Development
Authors: Fawad Zaidi
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This paper discusses a variety of challenges and solutions involved with creating computer games and the issues faced by the software engineers working in this field. This review further investigates the articles coverage of project scope and the problem of feature creep that appears to be inherent with game development. The paper tries to answer the following question: Is this a problem caused by a shortage, or bad software engineering practices, or is this outside the control of the software engineering component of the game production process?Keywords: software engineering, computer games, software applications, development
Procedia PDF Downloads 475133 Emotion Recognition in Video and Images in the Wild
Authors: Faizan Tariq, Moayid Ali Zaidi
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Facial emotion recognition algorithms are expanding rapidly now a day. People are using different algorithms with different combinations to generate best results. There are six basic emotions which are being studied in this area. Author tried to recognize the facial expressions using object detector algorithms instead of traditional algorithms. Two object detection algorithms were chosen which are Faster R-CNN and YOLO. For pre-processing we used image rotation and batch normalization. The dataset I have chosen for the experiments is Static Facial Expression in Wild (SFEW). Our approach worked well but there is still a lot of room to improve it, which will be a future direction.Keywords: face recognition, emotion recognition, deep learning, CNN
Procedia PDF Downloads 187132 Olfactometer Response of Red Palm Weevil (Rhynchophorus ferrugineus) (Coleoptera: Curculionidae) and Its Biology for the Evaluation of Resistance in the Commercially Grown Date Palm (Phoenix dactylifera L.) Cultivars in Pakistan
Authors: Mujahid Manzoor, Muhammad Shafique, Jam Nazeer Ahmad, Farman Ahmad, Muhammad Ali, Muhammad Rizwan Tariq, Shahbaz Ahmad, Muhammad Saleem Haider
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Date palms (P. dactylifera L.) are prominent in the Kingdom of Saudi Arabia (KSA), Iran, UAE, and Iraq, as well as Algeria, Egypt, and Pakistan. Insect pests' attacks on different palm cultivars adversely affected their production in the last few decades. Pakistan ranked sixth for date production around the world. The most commercially grown cultivars are Aseel, Dhaki, Falsi, Karbalai, Mozawati, Jan Swore, Kohra, Hillawi, Kohra, and Begum Jhangi. Red palm weevils are considered as hazardous insect pests responsible for economic loss in palm orchards. This research work depicts the infestation of red palm weevils in eleven different palm cultivars (Hillawi, Mozawati, Kechanr, Aseel, Shamrani, Khudravi, Dhaki, Zeri, Kobra, Zaidi, Denda), which frequently grow in different regions of Pakistan through Y-shaped olfactometer analysis. In addition, the level of both antixenosis and antibiosis was spotted by examining the various parameters such as %age lure of weevils of mature females, general count of laid eggs in addition to their activeness. Furthermore, obtained results depicted that a positive contact was established with minimum antixenotic consequence revealed by a cultivar, “Hillawi” among most hold of RPW adults (22.32%), number of eggs laid (16.66%) and egg hatching (84.66%), while other cultivars, including Mozawati, Aseel, Kechanr, Shamrani, Khudravi, Dhaki, Zeri, and Zaidi, exhibited a greater level of antixenosis. Moreover, “Hillawi” documented the maximum number of eggs, while Kechanr, Mozawati, Aseel Kobra, and Denda showed minimum attraction by red palm weevils. Maximum red palm weevils were attracted in an olfactometer assay of sugarcane varieties.Keywords: P. dactylifera, R. ferrugineus, olfactometer, antixenosis
Procedia PDF Downloads 114131 Utilizing Reflection as a Tool for Experiential Learning through a Simulated Activity
Authors: Nadira Zaidi
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The aim of this study is to gain direct feedback of interviewees in a simulated interview process. Reflection based on qualitative data analysis has been utilized through the Gibbs Reflective Cycle, with 30 students as respondents at the Undergraduate level. The respondents reflected on the positive and negative aspects of this active learning process in order to increase their performance in actual job interviews. Results indicate that students engaged in the process successfully imbibed the feedback that they received from the interviewers and also identified the areas that needed improvement.Keywords: experiential learning, positive and negative impact, reflection, simulated
Procedia PDF Downloads 143130 Toward a Measure of Appropriateness of User Interfaces Adaptations Solutions
Authors: Abderrahim Siam, Ramdane Maamri, Zaidi Sahnoun
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The development of adaptive user interfaces (UI) presents for a long time an important research area in which researcher attempt to call upon the full resources and skills of several disciplines. The adaptive UI community holds a thorough knowledge regarding the adaptation of UIs with users and with contexts of use. Several solutions, models, formalisms, techniques, and mechanisms were proposed to develop adaptive UI. In this paper, we propose an approach based on the fuzzy set theory for modeling the concept of the appropriateness of different solutions of UI adaptation with different situations for which interactive systems have to adapt their UIs.Keywords: adaptive user interfaces, adaptation solution’s appropriateness, fuzzy sets
Procedia PDF Downloads 487129 Determination of Various Properties of Biodiesel Produced from Different Feedstocks
Authors: Faisal Anwar, Dawar Zaidi, Shubham Dixit, Nafees Ahmedii
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This paper analyzes the various properties of biodiesel such as pour point, cloud point, viscosity, calorific value, etc produced from different feedstocks. The aim of the work is to analyze change in these properties after converting feedstocks to biodiesel and then comparring it with ASTM 6751-02 standards to check whether they are suitable for diesel engines or not. The conversion of feedstocks is carried out by a process called transesterification. This conversion is carried out to reduce viscosity, pour point, etc. It has been observed that there is some remarkable change in the properties of oil after conversion.Keywords: biodiesel, ethyl ester, free fatty acid, production
Procedia PDF Downloads 367128 Services-Oriented Model for the Regulation of Learning
Authors: Mohamed Bendahmane, Brahim Elfalaki, Mohammed Benattou
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One of the major sources of learners' professional difficulties is their heterogeneity. Whether on cognitive, social, cultural or emotional level, learners being part of the same group have many differences. These differences do not allow to apply the same learning process at all learners. Thus, an optimal learning path for one, is not necessarily the same for the other. We present in this paper a model-oriented service to offer to each learner a personalized learning path to acquire the targeted skills.Keywords: learning path, web service, trace analysis, personalization
Procedia PDF Downloads 356127 Image Segmentation Using 2-D Histogram in RGB Color Space in Digital Libraries
Authors: El Asnaoui Khalid, Aksasse Brahim, Ouanan Mohammed
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This paper presents an unsupervised color image segmentation method. It is based on a hierarchical analysis of 2-D histogram in RGB color space. This histogram minimizes storage space of images and thus facilitates the operations between them. The improved segmentation approach shows a better identification of objects in a color image and, at the same time, the system is fast.Keywords: image segmentation, hierarchical analysis, 2-D histogram, classification
Procedia PDF Downloads 380126 Comparative Study between Direct Torque Control and Sliding Mode Control of Sensorless Induction Machine
Authors: Fouad Berrabah, Saad Salah, Zaamouche Fares
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In this paper, the Direct Torque Control (DTC) Control and the Sliding Mode Control for induction motor are presented and compared. The performance of the two control schemes is evaluated in terms of torque and current ripple, and transient response to variations of the torque , speed and robustness, trajectory tracking. In order to identify the more suitable solution for any application, both techniques are analyzed mathematically and simulation results are compared which advantages and drawbacks are discussed.Keywords: induction motor, DTC- MRAS control, sliding mode control, robustness, trajectory tracking
Procedia PDF Downloads 597125 Optimization of the Aerodynamic Performances of an Unmanned Aerial Vehicle
Authors: Fares Senouci, Bachir Imine
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This document provides numerical and experimental optimization of the aerodynamic performance of a drone equipped with three types of horizontal stabilizer. To build this optimal configuration, an experimental and numerical study was conducted on three parameters: the geometry of the stabilizer (horizontal form or reverse V form), the position of the horizontal stabilizer (up or down), and the landing gear position (closed or open). The results show that up-stabilizer position with respect to the horizontal plane of the fuselage provides better aerodynamic performance, and that the landing gear increases the lift in the zone of stability, that is to say where the flow is not separated.Keywords: aerodynamics, drag, lift, turbulence model, wind tunnel
Procedia PDF Downloads 252124 Using the Bootstrap for Problems Statistics
Authors: Brahim Boukabcha, Amar Rebbouh
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The bootstrap method based on the idea of exploiting all the information provided by the initial sample, allows us to study the properties of estimators. In this article we will present a theoretical study on the different methods of bootstrapping and using the technique of re-sampling in statistics inference to calculate the standard error of means of an estimator and determining a confidence interval for an estimated parameter. We apply these methods tested in the regression models and Pareto model, giving the best approximations.Keywords: bootstrap, error standard, bias, jackknife, mean, median, variance, confidence interval, regression models
Procedia PDF Downloads 380123 Rail-To-Rail Output Op-Amp Design with Negative Miller Capacitance Compensation
Authors: Muhaned Zaidi, Ian Grout, Abu Khari bin A’ain
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In this paper, a two-stage op-amp design is considered using both Miller and negative Miller compensation techniques. The first op-amp design uses Miller compensation around the second amplification stage, whilst the second op-amp design uses negative Miller compensation around the first stage and Miller compensation around the second amplification stage. The aims of this work were to compare the gain and phase margins obtained using the different compensation techniques and identify the ability to choose either compensation technique based on a particular set of design requirements. The two op-amp designs created are based on the same two-stage rail-to-rail output CMOS op-amp architecture where the first stage of the op-amp consists of differential input and cascode circuits, and the second stage is a class AB amplifier. The op-amps have been designed using a 0.35mm CMOS fabrication process.Keywords: op-amp, rail-to-rail output, Miller compensation, Negative Miller capacitance
Procedia PDF Downloads 338122 Wear Measurement of Thermomechanical Parameters of the Metal Carbide
Authors: Riad Harouz, Brahim Mahfoud
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The threads and the circles on reinforced concrete are obtained by process of hot rolling with pebbles finishers in metal carbide which present a way of rolling around the outside diameter. Our observation is that this throat presents geometrical wear after the end of its cycle determined in tonnage. In our study, we have determined, in a first step, experimentally measurements of the wear in terms of thermo-mechanical parameters (Speed, Load, and Temperature) and the influence of these parameters on the wear. In the second stage, we have developed a mathematical model of lifetime useful for the prognostic of the wear and their changes.Keywords: lifetime, metal carbides, modeling, thermo-mechanical, wear
Procedia PDF Downloads 310121 Financial Literacy and Stock Market Participation: Does Gender Matter?
Authors: Irfan Ullah Munir, Shen Yue, Muhammad Shahzad Ijaz, Saad Hussain, Syeda Yumna Zaidi
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Financial literacy is fundamental to every decision-making process and has received attention from researchers, regulatory bodies and policy makers in the recent past. This study is an attempt to evaluate financial literacy in an emerging economy, particularly Pakistan, and its influence on people's stock market participation. Data of this study was collected through a structured questionnaire from a sample of 300 respondents. EFA is used to check the convergent and discriminant validity. Data is analyzed using Hayes (2013) approach. A set of demographic control variables that have passed the mean difference test is used. We demonstrate that participants with financial literacy tend to invest more in the stock market. We also find that association among financial literacy and participation in stock market gets moderated by gender.Keywords: Financial literacy, Stock market participation, Gender, PSX
Procedia PDF Downloads 199120 Acoustic Analysis of Psycho-Communication Disorders within Moroccan Students
Authors: Brahim Sabir
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Psycho-Communication disorders negatively affect the academic curriculum for students in higher education. Thus, understanding these disorders, their causes and effects will give education specialists a tool for the decision, which will lead to the resolution of problems related to the integration of students with Psycho-Communication disorders. It is in this context that a statistical study was conducted, targeting the population object of study, namely Moroccan students. Pathological voice samples were recorded and analyzed acoustically with PRAAT software, in order to build a model that will be the basis for the objective diagnostic.Keywords: psycho-communication disorders, acoustic analysis, PRAAT
Procedia PDF Downloads 389119 Influence of Processing Regime and Contaminants on the Properties of Postconsumer Thermoplastics
Authors: Fares Alsewailem
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Material recycling of thermoplastic waste offers practical solution for municipal solid waste reduction. Post-consumer plastics such as polyethylene (PE), polyethyleneterephtalate (PET), and polystyrene (PS) may be separated from each other by physical methods such as density difference and hence processed as single plastic, however one should be cautious about the contaminants presence in the waste stream inform of paper, glue, etc. since these articles even in trace amount may deteriorate properties of the recycled plastics especially the mechanical properties. furthermore, melt processing methods used to recycle thermoplastics such as extrusion and compression molding may induce degradation of some of the recycled plastics such as PET and PS. In this research, it is shown that care should be taken when processing recycled plastics by melt processing means in two directions, first contaminants should be extremely minimized, and secondly melt processing steps should also be minimum.Keywords: Recycling, PET, PS, HDPE, mechanical
Procedia PDF Downloads 284118 Material Fracture Dynamic of Vertical Axis Wind Turbine Blade
Authors: Samir Lecheb, Ahmed Chellil, Hamza Mechakra, Brahim Safi, Houcine Kebir
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In this paper we studied fracture and dynamic behavior of vertical axis wind turbine blade, the VAWT is a historical machine, it has many properties, structure, advantage, component to be able to produce the electricity. We modeled the blade design then imported to Abaqus software for analysis the modes shapes, frequencies, stress, strain, displacement and stress intensity factor SIF, after comparison we chose the idol material. Finally, the CTS test of glass epoxy reinforced polymer plates to obtain the material fracture toughness Kc.Keywords: blade, crack, frequency, material, SIF
Procedia PDF Downloads 550117 Exergetic Comparison between Three Configurations of Two Stage Vapor Compression Refrigeration Systems
Authors: Wafa Halfaoui Mbarek, Khir Tahar, Ben Brahim Ammar
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This study reports a comparison from an exergetic point of view between three configurations of vapor compression industrial refrigeration systems operating with R134a as working fluid. The performances of the different cycles are analyzed as function of several operating parameters such as condensing temperature and inter stage pressure. In addition, the contributions of component exergy destruction to the total exergy destruction are obtained for each system. The results are estimated to be used in the selection of the most advantageous configuration from an exergetic view point.Keywords: vapor compression, exergy, destruction, efficiency, R134a
Procedia PDF Downloads 385116 MHD Mixed Convection in a Vertical Porous Channel
Authors: Brahim Fersadou, Henda Kahalerras
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This work deals with the problem of MHD mixed convection in a completely porous and differentially heated vertical channel. The model of Darcy-Brinkman-Forchheimer with the Boussinesq approximation is adopted and the governing equations are solved by the finite volume method. The effects of magnetic field and buoyancy force intensities are given by the Hartmann and Richardson numbers respectively, as well as the Joule heating represented by Eckert number on the velocity and temperature fields, are examined. The main results show an augmentation of heat transfer rate with the decrease of Darcy number and the increase of Ri and Ha when Joule heating is neglected.Keywords: heat sources, magnetic field, mixed convection, porous channel
Procedia PDF Downloads 377115 Study of the Tribological Behavior of a Sliding Contact Brass-Steel Couple with Electrical Current
Authors: C. Boubechou, A. Bouchoucha, H. Zaidi
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The aim of this paper is to study the tribological behavior of a dynamic contact steel-brass couple with electric current. This study looks at a dry contact brass-steel couple where friction and wear are studied in terms of mechanical and electrical parameters. For this reason, a tribometer, pin-rotary disc is used in an atmospheric atmosphere. The test parameters are as follows: the normal load (5-30N), the sliding speed (0.1 to 0.5 m / s) and the electric current (3-10A). The duration of each test is 30 minutes. The experimental results show that these parameters have a significant effect on the tribological behavior of the couple studied. The discussion of results is based on observations, using an optical microscope, MEB and a profilometer, worn surfaces and interface phenomena resulting from the process of sliding contact.Keywords: brass-steel couple, dry friction, electrical current, morphology, normal load, sliding speeds, wear
Procedia PDF Downloads 266114 Thermo-Exergy Optimization of Gas Turbine Cycle with Two Different Regenerator Designs
Authors: Saria Abed, Tahar Khir, Ammar Ben Brahim
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A thermo-exergy optimization of a gas turbine cycle with two different regenerator designs is established. A comparison was made between the performance of the two regenerators and their roles in improving the cycle efficiencies. The effect of operational parameters (the pressure ratio of the compressor, the ambient temperature, excess of air, geometric parameters of the regenerators, etc.) on thermal efficiencies, the exergy efficiencies, and irreversibilities were studied using thermal balances and quantitative exegetic equilibrium for each component and for the whole system. The results are given graphically by using the EES software, and an appropriate discussion and conclusion was made.Keywords: exergy efficiency, gas turbine, heat transfer, irreversibility, optimization, regenerator, thermal efficiency
Procedia PDF Downloads 451113 Scalable Learning of Tree-Based Models on Sparsely Representable Data
Authors: Fares Hedayatit, Arnauld Joly, Panagiotis Papadimitriou
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Many machine learning tasks such as text annotation usually require training over very big datasets, e.g., millions of web documents, that can be represented in a sparse input space. State-of the-art tree-based ensemble algorithms cannot scale to such datasets, since they include operations whose running time is a function of the input space size rather than a function of the non-zero input elements. In this paper, we propose an efficient splitting algorithm to leverage input sparsity within decision tree methods. Our algorithm improves training time over sparse datasets by more than two orders of magnitude and it has been incorporated in the current version of scikit-learn.org, the most popular open source Python machine learning library.Keywords: big data, sparsely representable data, tree-based models, scalable learning
Procedia PDF Downloads 263112 Investigation of Main Operating Parameters Affecting Gas Turbine Efficiency and Gas Releases
Authors: Farhat Hajer, Khir Tahar, Ammar Ben Brahim
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This work presents a study on the influence of the main operating variables on the gas turbine cycle. A numerical simulation of a gas turbine cycle is performed for a real net power of 100 MW. A calculation code is developed using EES software. The operating variables are taken in conformity with the local environmental conditions adopted by the Tunisian Society of Electricity and Gas. Results show that the increase of ambient temperature leads to an increase of Tpz and NOx emissions rate and a decrease of cycle efficiency and UHC emissions. The CO emissions decrease with the raise of residence time, while NOx emissions rate increases and UHC emissions rate decreases. Furthermore, both of cycle efficiency and NOx emissions increase with the increase of the pressure ratio.Keywords: Carbon monoxide, Efficiency, Emissions, Gas Turbine, Nox, UHC
Procedia PDF Downloads 436111 Simulation of Immiscibility Regions in Sodium Borosilicate Glasses
Authors: Djamila Aboutaleb, Brahim Safi
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In this paper, sodium borosilicates glasses were prepared by melting in air. These heat-resistant transparent glasses have subjected subsequently isothermal treatments at different times, which have transformed them at opaque glass (milky white color). Such changes indicate that these glasses showed clearly phase separation (immiscibility). The immiscibility region in a sodium borosilicate ternary system was investigated in this work, i.e. to determine the regions from which some compositions can show phase separation. For this we went through the conditions of thermodynamic equilibrium, which were translated later by mathematical equations to find an approximate solution. The latter has been translated in a simulation which was established thereafter to find the immiscibility regions in this type of special glasses.Keywords: sodium borosilicate, heat-resistant, isothermal treatments, immiscibility, thermodynamics
Procedia PDF Downloads 337110 Energy and Exergy Performance Optimization on a Real Gas Turbine Power Plant
Authors: Farhat Hajer, Khir Tahar, Cherni Rafik, Dakhli Radhouen, Ammar Ben Brahim
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This paper presents the energy and exergy optimization of a real gas turbine power plant performance of 100 MW of power, installed in the South East of Tunisia. A simulation code is established using the EES (Engineering Equation Solver) software. The parameters considered are those of the actual operating conditions of the gas turbine thermal power station under study. The results show that thermal and exergetic efficiency decreases with the increase of the ambient temperature. Air excess has an important effect on the thermal efficiency. The emission of NOx rises in the summer and decreases in the winter. The obtained rates of NOx are compared with measurements results.Keywords: efficiency, exergy, gas turbine, temperature
Procedia PDF Downloads 284109 The Integration of Fintech Technologies in Crowdfunding: A Catalyst for Financial Inclusion and Responsible Finance
Authors: Badrane Hasnaa, Bouzahir Brahim
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This article examines the impact of fintech technologies on crowdfunding, particularly their potential to enhance financial inclusion and promote responsible finance. It explores how the adoption of blockchain, artificial intelligence, and other fintech innovations is transforming crowdfunding by making it more accessible, transparent, and ethical. By analyzing case studies and recent data, the article illustrates how these technologies help overcome traditional barriers to financing while promoting sustainable financial practices. The findings suggest that integrating fintech into crowdfunding can not only broaden access to funding for marginalized populations but also encourage more responsible management of financial resources, contributing to a fairer and more resilient economy.Keywords: crowdfunding, fintech, inclusion financière, finance responsible, blockchain, resilience financière
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