The purpose of the study was to examine teachers’ perception on repairing of clothes in Agona Kwanyako in the central region of Ghana. Quantitative research approach and Descriptive survey design were adopted for this study. The population of this study comprised teachers in the seven public Basic Schools, one Senior High School, two private Basic Schools and one Vocational and Technical School in Agona Kwanyako. Krejcie and Morgan chart was used to sample hundred and fifty-five (155) out of two hundred and sixty (260) teachers in Agona Kwanyako schools. The main instrument for data collection and analysis was questionnaire. All the questionnaires retrieved were prepared by sorting and coding. They were then entered into IBM SPSS Statistics 2017 version 25.0 for data to be analysed. The SPSS software was used to generate mean, standard deviation, frequency and percentages on the data because it is fast, energy saving and gives a consistent and accurate statistical representation of raw data. Findings were then discussed in relation to the research question for the study. Data were presented using tables and charts. The study indicated that the perception one holds about the repair of clothes affects how they view the act and their subsequent adaptation of the exercise. The perception teachers hold about clothes repair was that, clothes protect the environment, create employment and alleviate one from poverty, helps clothes stay trendy and can give one a sense of satisfaction. It can also be concluded that clothes that are normally used such as dresses, shirts and trousers are the types of clothes mostly repaired. Teachers have positive perception about clothes repair. Based on this it is recommended that Home Economics teachers should team up with other teachers to inculcate proper clothes care in their students. Also, clothes should be made in such a way that repairing is easier and possible based on the findings on the types of clothes that are mostly repaired.

The main purpose of this study is to investigate students’ awareness, understanding and use of the information on care labels. Quantitatively, the study adopted a cross-sectional survey design. The population of the study comprised all the Family and Consumer Science students at the University for Development Studies, Nyankpala campus, Tamale. Morgan and Krejcie chart, was used to select 159 out 270 students. Data collected were analysed using IBM SPSS with descriptive statistics which included mean, standard deviation, frequencies and percentages. Findings of this study proved that students do not always use the information on care labels when purchasing and caring for clothes and cannot identify the symbols on care labels that do not directly link with their meaning. This study has practical implications for students by using the information on care labels when purchasing and caring for clothes. Students should likewise find ways of identifying the symbols even without their meanings. The Social Implication implications of this study also postulates that local clothes manufacturers should be encouraged to create their labelling schemes for care labels that will be peculiar to how Ghanaians care for their clothes as they exist in other countries. Organizations and bodies that formulate the symbols should make sure the shape of the symbols has a direct link with their meaning to aid in their understanding and usage.

Innovations in computing and communication technologies are reshaping finance. The seismic changes are casting uncertainty about the future of financial services. On one hand, fintech evangelists project a rosy future, asserting that the fast-moving algorithms can deliver low-cost financial services intuitively, customized to meet robust consumer expectations. On the other hand, many finance veterans fret that the traditional banking model could disintermediate, bleeding banks via a ‘death by a thousand cuts’, reducing them to passive portfolio holders with no direct customer relationship, eclipsed by digital giants which use their enormous treasure troves of customer data to offer banking as an added service with nearly free cost. Amidst the upbeat technological promises and apocalyptic forebodings, there are two constant, mostly agreed-upon, truths. The first is the vital importance of data. Advances in the internet, cloud computing, and record-keeping technologies are producing an ‘exponential growth in the volume and detail of data’. Some of this big data are personal information. Smartphones are deployed in almost all developed and emerging economies, serving as little spies; tracking, recording location histories, social networks, and app usage of their unsuspecting owners; often with a great degree of precision. ‘People are walking data-factories’ in this ‘mobile digital society’. Data are the fermentation of these global exchanges, electronic commerce and communication, and financial transactions. To just take Facebook as an example, it shares 30 million people a day through updates and posts, hosting personal information on 2.23 billion users. To the alarm of the uninformed public, much of this information is available for commercial harvest. The second constant is the rise of intelligent solutions. Consumers today—be it disclosed or not—are fed tailored clothes, music, film, holiday packages—almost anything you like, notably dynamic pricing, varying in accordance with individual profiles, or personalized search results. The availability of powerful computers has enabled comparable applications that are intended to make the system more responsive to their customer profiles and desires, or to capitalize competitive business possibilities. Such changes will transform the financial industry and occupy a prominent position among the mechanisms of policy competition, reshaping the way in which financial services are bestowed and led on the demand side.