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This paper illustrates why consumers are resistant to using internet banking.

A survey was used to acquire data from 127 consumers who were not internet bank users.

Using a content analysis procedure, eight factors were identified which explain why consumers are not using internet banking. In order of frequency, the factors are: perceptions about risk; the need; lacking knowledge; inertia; inaccessibility; human touch; pricing and IT fatigue.

A list of those consumers who were not internet banking users could not be sourced, meaning that a random sample could not be carried out. The factors which emerged, however, appear to provide a comprehensive understanding of why certain consumers are not internet banking users. The factors provide a useful basis for researchers to conduct studies to better understand what influences a consumer decision not to use the internet as a means of sourcing banking services.

The findings provide a framework for creating a strategy to enhance adoption rates.

The findings create an awareness of the various reasons explaining why consumers are not becoming internet banking users. The various reasons provide scholars with an opportunity to conduct further research in this area and practitioners with an opportunity to enhance adoption rates.

This study aims to investigate the factors that determine the customer adoption of Islamic banking in Pakistan.

This paper aims to use a sample of 540 Islamic bank customers located in the biggest city of Pakistan (Karachi). This study is based on the diffusion of innovation (DOI) theory and analyzed the role of five attributes (compatibility, relative advantage, complexity, observability and trialability) along with the consumer awareness about the customer adoption of Islamic banking. Additionally, the present research also considers Islamic banking as a new idea (innovation) in Pakistan under the framework of DOI theoretical assumptions. The exploratory and confirmatory factor analyses are applied to the sample data. The theoretical framework is then tested using structural equation modeling.

The findings of the study revealed that all five attributes of the DOI theory are positively and significantly related to the customer adoption of Islamic banking. The customer awareness also proved its importance in the hypothesized model by representing a positive and significant relationship.

The present study provides a useful guideline for the Islamic bank managers and the academicians to better understand the customer adoption of Islamic banking.

The purpose of this paper is to review the importance of various change principles in assisting change in three public sector organizations.

The researchers carried out interviews and used focus groups in assessing the principles and strategies which would be more useful.

The interview and focus group results in three public sector organizations suggest that forming a guiding coalition might be one of the most important principles to observe.

The research data used for illustration are based on case evidence and the anecdotal interpretation of change in three settings. The paper does not claim to offer a scientific conclusion.

The goal is to encourage a discussion on whether or not certain principles or strategies should be more important.

The paper reviews the literature on change and reviews these principles in real experiences. Much of the other literature is conceptual.

This study aims to investigate the comparative importance of factors influencing the customer shift behavior from conventional to Islamic banking for consumer finance in Pakistan.

First, a comprehensive analysis of the existing literature was conducted to identify a broad range of factors related to customer shift behavior. Through an expert sampling, 14 essential factors were chosen for further investigation. Second, a questionnaire was developed using the analytical hierarchy process (AHP). This questionnaire was then distributed among customers who had previously been using conventional banking services but had made a shift toward Islamic banking. The purpose of this questionnaire was to gather data and insights regarding their motivations and decision-making process behind the shift, and a sample 215 customers are taken in the study.

The results of AHP depicts that the religiosity is a most important factor influencing customers to shift from conventional to Islamic banking, and the second most important factor is pricing. The other subsequent important factors are reputation of the bank, marketing and promotion, service quality, behavior of banks staff, Shariah compliance, management, convenience, fastness and charges/fees. Whereas documentation, ambiance and recommendation are found least important factors to patronize Islamic banking.

The study recommends Islamic banks to create awareness, concentrating on religious factor to have a greater impact on growth of Islamic banking and shrinking of conventional banking. Further, it suggests Islamic banks to apply Shariah-recommended approach of doing business, to help community in best possible way and to launch differentiated marketing techniques to attract customers. It also proposes regulatory authorities to provide facilitation to Islamic banking business by providing level playing field similar to conventional banking, tax equality and conversion of public financing from conventional banking to Islamic banking.

The originality of this study lies in its comprehensive analysis of factors influencing consumer shift behavior from conventional to Islamic banking in the context of consumer finance in Pakistan. By using the AHP, the study provides a structured approach to understanding the relative importance of these factors. This is the uniqueness of the paper that it applies the AHP for the analysis. Furthermore, the study offers practical implications for Islamic banks and regulatory authorities to effectively address and capitalize on this consumer shift trend.

The purpose of this paper is to develop, measure and empirically validate a scale that captures the full dimensionality of selection attributes considered by customers when choosing a bank.

Focus group interviews were conducted and a well-structured questionnaire was designed. The validity of this scale was tested in accordance with the psychometric scale development procedure.

Contrary to some assertions in past literature, the results suggested service delivery and cost/price as among the most important determinants of the bank selection decisions of consumers.

The practical implications drawn from this study involve the seven constructs which could be adopted by the bank managers, advertising executives and marketing experts in providing good quality services resulting in overall higher levels of customer satisfaction. These decision makers can apply the constructs from the study to identify factors most appealing to both potential and existing customers and build up effective marketing strategies to attract new customers and retain existing ones.

This research paper signifies the leading studies for advancing a validated tool to measure the customers’ selection decisions for banks. As a result, this valid and reliable scale would bring standardization to research conducted in the field of bank selection attributes.

Hotels can be classified as a type of business which not only uses large amounts of capital, but also employs relatively large numbers of people. The present study sets out to establish how Singapore’s Gazetted hotels (i.e. those hotels which have met certain minimum criteria as laid down by the Singapore Tourism Board) select their bank. The study also sought to establish how satisfied these hotels were in relation to the various selection criteria, the range of bank and non‐bank financial products they used and the extent to which they engaged in multiple banking and why. The results showed that pricing and geographical proximity were very important when selecting a bank. Generally, banks were found to more than satisfy the respondents in relation to the selection criteria, especially in regard to geographical convenience and accuracy of bank statements. The Gazetted hotels used a range of borrowing and non‐borrowing products, indicating that they are generators of both fee and interest income for banks. A majority of the respondents engaged in multiple banking and mainly did so in order to seek out the best borrowing rates.

Internet banking is a form of self‐service technology, costing millions of dollars, which leading retail banks have made available in the recent past. An understanding of why users are more accepting of Internet banking services should help bank managers implement this self‐service technology. This study identifies eight characteristics which influenced the rate of adoption. Two of these characteristics, namely accessibility and confidentiality, are new to the literature. The results show that adopters of Internet banking perceive the service to be more convenient, less complex, more compatible to them and more suited to those who are PC proficient. Adopters were also found to be more financially innovative. The perceptions that adopters had about social desirability, confidentiality, accessibility and economic benefits were viewed no differently when adopters were compared with non‐adopters.

Managers and entrepreneurs are increasingly being challenged to respond to a world where it is harder to effectively make and implement their decisions. Over half the decisions managers make are never implemented. We have observed entrepreneurs and managers in a wide range of situations in various countries, who illustrate a different set of assumptions for making decisions. They illustrate an entrepreneurial logic, a process of creatively defining and taking action to make sense out of situations which require new frameworks, assumptions and understandings. They assume that many challenges are not predictable and controllable. Certain control‐oriented attitudes and behaviors inhibit people from thinking this way, such as attempts to make decisions without fully understanding the right question, and overly relying on statistics. Certain reframing attitudes and behaviors – diversity in thinking, asking the right questions, and reframing and adapting quickly – illustrate ways to make sense of the paradoxes and uncertainties in the new economy.

Personality traits such as anxiety, self‐esteem and aggressive hostility are often thought to affect the stress that a person perceives or manifests. With data from 176 male executives, this study suggests that there are indirect and interacting relationships between personality and general health. This article proposes a cybernetic framework that links personality with other variables in understanding overall health. The framework specifies that personal characteristics (i.e. age), personality, and environment all play a role, each interacting systemically. The framework provides a basis for illustrating these interactions. For example, while type A personalities are more likely to get involved in more stressful situations, their negative health effects might depend on other variables, such as self‐esteem and years in the job. While personality features are important risk factors, they may not, by themselves, predict stress. Stress is the result of interacting variables including age, position, job level, the stress experience, and one's personality.

This study, using a sample of adult Singaporeans, established that 76.8 per cent of its respondents engaged in multiple banking. The Post Office Savings Bank was main bank to 61.3 per cent of the respondents, while the local full licence banks were main bank to 35.1 per cent of the respondents. These same banks held 27.6 per cent and 66.1 per cent respectively of subsidiary bank relationships. Multiple bank customers were typified as being people who were tertiary educated, were Chinese and were paid an income of $2,000 p.m. and above. No significant differences were found upon comparing single and multiple banking customers based on five psychographic characteristics.