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This study examines the factors that affect fintech adoption in microfinance institutions (MFIs) in Laos. We developed a theoretical model by extending the Technology Acceptance Model (TAM) with perceived risk, government support, and regulation. To collect data, we formulated a questionnaire and surveyed a randomly selected sample of managing directors from MFIs, resulting in 74 responses. Subsequently, we conducted an empirical analysis to assess the reliability and validity of the model in predicting MFIs’ intentions to adopt fintech. We utilized Structured Equation Modeling (SEM) to test the proposed hypotheses. The results provide useful insights for practitioners in implementing strategies to promote influential factors while addressing and overcoming inhibiting factors in fintech adoption. This study contributes to the existing literature by developing and verifying the effectiveness of the extended TAM for investigating fintech adoption.

Online education has strongly developed during the COVID-19 pandemic. While public schools in Japan were off to a slow start, China became a pioneer in online education under the policy of "classes stop but learning continues." On the other hand, this drastic educational reform was painful, although the situation was better than in Japan. In this paper, we present both relevant literature and local examples in order to consider from various perspectives.

For Chinese people, study abroad is an important matter. During the COVID-19 pandemic, many countries implemented travel regulation policies. Except for the early part of 2020, however, long term residents, including international students, were allowed to enter Japan. Despite the COVID pandemic, some of the degree program students entered Japan from abroad. In addition, as soon as the international travel regulations ended, a huge number of non-degree students including kenkyusei（ research students） and language program students rushed to Japan.