magic formula
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Digital wallet is expanding largely driven by the evolution of internet and smartphone penetration. Numerous digital wallet providers have risen in many countries including Brunei Darussalam. However, the level of adoption is still low, and cashless society is still far from an expected target. There's no magic formula in deploying a guaranteed successful digital wallet, but developing a digital wallet ecosystem that is tailored to the local markets will be expected to increase digital culture and cashless society. The research assesses the existing digital wallet ecosystem, then analyses the extent of compatibility of local market demand. Furthermore, it introduces an improved digital wallet ecosystem model in order to support financial inclusion achieved through a holistic digital wallet ecosystem. The chapter also examines external factors that contribute to the digital wallet ecosystem's width of usage.

Abstract We generalize a combinatorial formula of Douady from the main cardioid to other hyperbolic components H of the Mandelbrot set, constructing an explicit piecewise linear map which sends the set of angles of external rays landing on H to the set of angles of external rays landing on the real axis.

Historical reconstruction problems of traditional rituals, worldview, language and poetics of folklore, folk art require an integrated approach from a modern researcher of the ethnos spiritual culture. The latter takes into account the achievements of modern related sciences, primarily ethnocultural studies and ethnolinguistics, archeology and folklore studies, comparative and typological ethnology. Using this method, the history of the archaic formula found in a number of genres of Chuvash ritual poetry is successfully restored, and its archaic semantics is also restored. In the Altai and pra-Turkic epochs, the semantics of “singing” (a melodic speech performance of a ritual text) had a number of lexemes, which later became differentiated and acquired complementary meanings. The Chuvash language, due to its early separation from the rest of the Turkic languages, was able to preserve the most archaic incantatory formula. The Chuvash term yora / yura, as a synthesis of a ritual-verbal incantatory text and a musical melody, was formed during the formation of military democracy in the society of the ancient Bulgars and other related tribes. Over time, thanks to an archaic magic formula, this term began to mean not only ritual, but also lyrical melodious speech texts. Thus, in the Chuvash folklore, the term acquired semantics, meaning not only a separate genre, but also a whole group of melodic-speech texts.