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This paper aims to present a framework to detect phishing websites using stacking model. Phishing is a type of fraud to access users’ credentials. The attackers access users’ personal and sensitive information for monetary purposes. Phishing affects diverse fields, such as e-commerce, online business, banking and digital marketing, and is ordinarily carried out by sending spam emails and developing identical websites resembling the original websites. As people surf the targeted website, the phishers hijack their personal information.

Features of phishing data set are analysed by using feature selection techniques including information gain, gain ratio, Relief-F and recursive feature elimination (RFE) for feature selection. Two features are proposed combining the strongest and weakest attributes. Principal component analysis with diverse machine learning algorithms including (random forest [RF], neural network [NN], bagging, support vector machine, Naïve Bayes and k-nearest neighbour) is applied on proposed and remaining features. Afterwards, two stacking models: Stacking1 (RF + NN + Bagging) and Stacking2 (kNN + RF + Bagging) are applied by combining highest scoring classifiers to improve the classification accuracy.

The proposed features played an important role in improving the accuracy of all the classifiers. The results show that RFE plays an important role to remove the least important feature from the data set. Furthermore, Stacking1 (RF + NN + Bagging) outperformed all other classifiers in terms of classification accuracy to detect phishing website with 97.4% accuracy.

This research is novel in this regard that no previous research focusses on using feed forward NN and ensemble learners for detecting phishing websites.

This paper aims to investigate the effectiveness of Qard-al-Hasan (QH) or interest-free loan in reducing multidimensional poverty through examining Fael Khair Waqf (FKW) program as a case.

A Multidimensional Poverty Index (MPI) approach has been used in this study, which was conducted over 1,600 households including 1,200 program households in 40 villages and 400 control households in 20 villages of 8 districts in the south-western region of Bangladesh.

It is found that 38.5% of sample population was multidimensional poor with deprivation of above the cutoff score. However, FKW participants were relatively less multidimensional poor. It was 35.3%. Hence, it is argued that the FKW is an effective program in terms of poverty reduction as it has contributed to higher economic outcomes for their participating households. The econometric result also suggests that the likelihood of the participants of FKW to be MPI poor is around 1.5 times lower than the nonparticipants, and the result is significant at 1% level. This indicates that program has a positive impact in reducing multidimensional poverty.

The analysis in this paper would fill the literature gap by investigating the link between application of QH and poverty alleviation. It will also guide academicians, researchers and decision-makers to design evidence-based policy to alleviate poverty.

To the best of the authors’ knowledge, there has been no empirical work in Bangladesh on the effectiveness of QH in poverty reduction considering an MPI approach. Hence, this study is a unique contribution to the literature of Islamic social finance.

This paper aims to provide an overview of research topics and publications produced by Islamic Finance scholars in Malaysia, focusing on six research domains (Shariah-based, Islamic Finance, Islamic Economics, Islamic Accounting, Islamic Management and Halal Management) in five public universities in Malaysia.

This study seeks to analyse the research gaps and recommend future research based on publications produced by Islamic Finance scholars from five public universities in Malaysia. Data on talents were collected from the MIFER report 2016 and each universities’ website, while research and publications of the talents were collected from Google Scholar and the Scopus database. The extracted data were analysed using bibliometric analysis in VOSviewer version 1.6.15.

The results show that the five selected universities talents have different research strengths according to six research domains highlighted in MIFER 2021 and Beyond Report. All five universities are found to contribute the least research in Halal Management domain. In view of the increasing prominence of this area of research in the national and international levels, these universities and other universities in Malaysia can generate more research in Halal Economy, Halal Management, and other related areas within this domain. The finding indicated that each university tends to have a strength according to the different domains, and 2019 is the most productive year for Islamic Finance publications. Analysis from productive scholars and co-citations shows that the authors collaborate within the same university to create a different topic for each research cluster.

The bibliometric analysis only captures the general keyword terms, which may be limited to the only generalised sub-research areas.

This bibliometric study, which is based on the expertise of researchers, complements meta-analysis, and qualitative structured literature reviews aid researchers or talents in developing future research directions such as Green economy, Cryptocurrency, Fintech, Halal Management and others. In addition, this is a case study in nature and can serve to enhance understanding the landscape of Islamic finance education and as a reference for practices in institutions of higher learning from around the world.

To the best of the authors’ knowledge, this study is a new research initiative comparing five top programme providers in the field of Islamic finance using a bibliometric approach to enhance talent development and capacity building. With the government’s efforts to further promote Malaysia as the Islamic Financial Hub, this study highlights the research gap in Islamic finance based on scholars’ publications from selected five Malaysian universities and potential topics for future research. This study focuses on the research domain for each university, the trend of publishing, the number of journals published by academics, productive scholars and citations by Malaysian universities, and examines if the publications align with current industry needs.

By extending the service robot acceptance model (sRAM), this study aims to explore and enhance the acceptance of chatbots. The study considered functional, relational, social, user and gratification elements in determining the acceptance of chatbots.

By using the purposive sampling technique, data of 321 service customers, gathered from millennials through a questionnaire and subsequent PLS-SEM modeling, was applied for hypotheses testing.

Findings revealed that the functional elements, perceived usefulness and perceived ease of use affect acceptance of chatbots. However, in social elements, only perceived social interactivity affects the acceptance of chatbots. Moreover, both user and gratification elements (hedonic motivation and symbolic motivation) significantly influence the acceptance of chatbots. Lastly, trust is the only contributing factor for the acceptance of chatbots in the relational elements.

The study extends the literature related to chatbots and offers several guidelines to the service industry to effectively employ chatbots.

This is one of the first studies that used newly developed sRAM in determining chatbot acceptance. Moreover, the study extended the sRAM by adding user and gratification elements and privacy concerns as originally sRAM model was limited to functional, relational and social elements.

This study aims to investigate the extent and trend of corporate social responsibility (CSR) disclosure by UAE listed banks and the impact of corporate governance mechanisms on this disclosure.

Content analysis of banks’ annual reports from 2009 to 2019 was applied to investigate the CSR disclosure level by constructing a disclosure index. Panel data regressions were applied to analyze the impact of corporate governance mechanisms on CSR disclosure.

UAE banks show an improving trend in the CSR disclosures. In addition, the board of directors and ownership structure are significantly and positively associated with the CSR disclosures. The results vary across the banking systems.

This study considers the extent of the CSR disclosure in UAE banks’ annual reports, and future research should consider more industries and communication channels.

This study sheds light on the extent of the CSR disclosure of UAE listed banks and assists UAE policymakers in implementing appropriate corporate governance mechanisms.

The findings provide banks with a better understanding of the benefits of strengthening corporate governance to improve their CSR disclosure.

This study contributes to the literature by constructing a more comprehensive disclosure index and examining the impact of corporate governance mechanisms on CSR disclosure by considering both the conventional and Islamic banking systems.

Switching behavior is predominantly seen in the consumer buying behavior of the mobile industry. This research aims to identify the factors influencing consumers to switch from their present mobile service provider. The consumer of the mobile industry operates in a dynamic and ever-changing environment that is difficult to predict, so this paper aims to focus on these issues.

The selection of factors was made with the help of qualitative study and quantitative research methods for further findings; with the help of a structured questionnaire, a total of 514 valuable responses were collected to get the results. Exploratory factor analysis (EFA), confirmatory factor analysis (CFA) and structural equation modeling (SEM) were used to analyze the data.

The finding shows that technology and edge-on-competition (TEC) and pricing have a negative influence on customer switching behavior. The switching cost (SC) is the most significant factor and has a positive impact, while service encounter failure (SEF) also positively impacts switching behavior.

The findings provide important implications for consumers switching brands if they are finding alternative offers that are cost-effective and SEF from service providers

The study of one of the largest mobile markets is learning lessons for other markets around the world. This study will be helpful for mobile service provider companies in their branding and marketing strategies. This study will also be helpful to practitioners, educators and researchers in understanding the consumer behavior of mobile users.

The learning of the largest mobile market will be a great learning lesson for other mobile markets around the world. Consumer behavior will help marketers follow ethical practices and make their strategy so a consumer does not switch brands and remain satisfied with the existing brand.

The study provides unique learning for practitioners, educators and researchers to understand the consumer behavior of mobile users. This will help marketers create factors that stop consumers from switching brands and develop strategies to retain customers.

The purpose of this research is to investigate the detrimental effects of cynicism on organizational change. It presents an interactive and novel theoretical research model based on organizational cynicism. The study aims to determine the causes of cynicism and suggests remedies for it so that change may be implemented with the consensus of all stakeholders.

This is an associational study that aims to test the hypotheses of linear relationships among the variables used in the proposed model. Data have been collected from 417 employees, working for three public sector organizations, by using self-administrated questionnaires. The model proposed in this research has been tested by using regression analysis in Amos 22. The interactive effects have been examined by using Aguinis’s (2004) multiple moderated regression.

The results reveal that dispositional resistance increases the intention of an employee to exhibit withdrawal behavior and that organizational contextual factors have statistically significant relationships with employees’ withdrawal behavior and their job satisfaction. Moreover, the results of interactive effects are partially significant.

The Government of Pakistan, the managements of public sector organizations and workplace unions can resolve the issues of cynicism and job insecurity by involving employees in decision making and by building trust in change leaders. Employees’ participation and their trust in change leaders can decrease their intentions to exhibit withdrawal behavior and lessen the occurrences of organizational cynicism. In addition, trust in change leaders can raise job satisfaction, while job insecurity can decrease the job satisfaction levels of employees.

This research presents and examines a unique multiple interactive model of organizational cynicism. Until recently, a scant number of studies particular to Asian culture, have investigated the detrimental and interactive effects of cynicism on organizational change.

This study aims to analyze the effect of religiosity (RE), halal knowledge (HK) and halal certification (HC), attitudes, subjective norms and vaccine quality on the Muslim community’s intention to use halal vaccines in Indonesia.

This study involved 725 Muslim respondents in 32 Indonesian provinces. The model used was based on the theory of reasoned action development with the partial least squares structural equation modeling as the data processing tool.

The study discovered that RE, HK and HC did not affect the intention of Muslims to use halal vaccines. In addition, the MUI (Majelis Ulama Indonesia – Indonesia Council of Ulama) fatwa permitting the use of the AstraZeneca vaccine despite the haram ingredients was considered an excuse for Muslims to administer non-halal vaccines. However, several parties disagreed on the fatwa because the emergency legal standing for its permissibility did not apply to all regions. The reason was that each had different rates of confirmed cases, ranging from high-risk areas to those with zero confirmed Covid-19 cases.

This study examines the Muslim community’s intention toward using halal vaccines in several regions in Indonesia. In addition, this study conducted in-depth interviews as samples in several regions. This study also conducted interviews to determine the public’s views on government obligation about the Covid-19 vaccine. Finally, this study proposes a vaccine to avoid the possibility of controversy over the use of non-halal vaccines.

The existing technology adoption model (TAM) has ignored the importance of social proof of credibility such as risk, security and privacy. Also, this study aims to provide understanding how the issues of usability such as interactivity, compatibility and credibility can influence the mobile banking (MB) adoption of commercial and Islamic banks. This study has offered two theoretical models which may be helpful to understand the importance of social proof of credibility during MB adoption.

It is exploratory study therefore the researcher used triangulation of qualitative methods such as online banking app reviews, focused group and semi structured interviews are used to understand the behavior of customers toward MB adoption.

Consumers are actively involved to take recommendations from close sources, experts, customers and crowd opinion using interactive social media platforms (SMPs). The purpose to gather information is to save from usability, risk, security and privacy issues, especially when customers share their personal and financial information with the purpose to use MB. Results reveal that people with disabilities require MB app that has adjustable size, color, text and functions. The usability issues such as system design, response time, aesthetics, personalization, installation and service quality influenced the use of MB in Islamic banks.

Present study has offered social proof as TAM which highlights usefulness and credibility as important factors that can create social proof on SMPs. This study provides rich insights regarding what initiatives are required to resolve the issues of usability such as interactivity, compatibility and credibility that can influence the MB adoption of commercial and Islamic banks. Another major contribution of this study is to explore the issues of MB for people with disabilities and suggest how they can improve the service quality of MB for people with disabilities.

Social media users can now create, exchange, modify and consume socially generated experiences which can enhance social influence toward mobile banking (MB). This study aims to provide understanding of how social actor interactions through social networking platforms (SNPs) can create social influence for MB adoption and present a research framework that can help to understand which social actors have higher social influence toward MB adoption in conventional and Islamic banks.

SNP users have different levels of perceptions and experiences about the usability and credibility of MB. Therefore, their experiences are subjective realties which can generate socially constructed knowledge. To understand these subjective realties, a social constructivist approach is adopted. Data were collected from interviews with 60 individuals from diverse occupational backgrounds.

Identification element of social influence explained that the shared reviews and recommendations of opinion leaders, industry experts, celebrities and friends were highly positive for conventional banks; therefore, there is high word-of-mouth for MB of conventional banks. Internalization of social influence highlighted that people are more likely to accept the wisdom of the crowd and close friends, which can generate their engagement and connection with MB. Finally, the compliance factor of social influence explained that people can only adopt MB when they perceive high usability and credibility.

This study has provided understanding to the marketers of how social actors on SNPs can play a role in the creation, exchange, modification and consumption of socially generated influence that can impact the MB adoption intention for conventional and Islamic banks.

Although many theories and models have been presented about the marketing strategies and antecedents of MB adoption, the extensive use of SNPs has changed marketing strategies. For example, this study has found that social media users are highly influenced by the social reviews and recommendations they receive from their close friends. Therefore, socially generated influence on SNPs can create an adoption intention toward MB.