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1 – 5 of 5Imran Khan and Mohammed Anam Akhtar
The objective of the research is to examine the impact of global governance and macroeconomic indicators on the lending capacity of banks in India.
Abstract
Purpose
The objective of the research is to examine the impact of global governance and macroeconomic indicators on the lending capacity of banks in India.
Design/methodology/approach
Employing a comprehensive time series dataset spanning from 1996 to 2022, we utilize the Nonlinear Autoregressive Distributed Lag model approach to investigate the short-run and long-run impact of government policy (GP) effectiveness, lending interest rates and remittance inflows (RI) on the lending capacity of banks in India.
Findings
The findings of the study indicate that lending interest rates have a statistically insignificant impact on lending capacity in the short term. However, in the long run, an increase in the lending interest rate leads to a decrease in lending capacity, whereas a decrease in the lending interest rate has a non-significant impact. On the other hand, the effectiveness of GPs affects both short-term and long-term lending capacity. In the short run, positive or negative changes in GP effectiveness lead to a decline in lending capacity. Whereas in the long run, a positive shock in GP effectiveness increases lending capacity, while a negative shock decreases it. Lastly, RI indicated no significant short-term impact on the lending capacity of the banks. Conversely, in the long run, a positive change in RI enhances lending capacity, whereas a negative change in RI reduces it, with a more pronounced effect.
Originality/value
The novelty of the study lies in the fact that it is a pioneering study that utilizes global governance and macroeconomic indicators to examine the impact on the lending capacity of banks and financial institutions in India. Moreover, the study adopts a non-linear approach to examine the relationship between the chosen variables, which enables an understanding of the impact of both positive and negative shocks on the dependent variable both in the short and long run. Lastly, the examination sheds light on the achievement of Sustainable Development Goal 8.10, which is related to financial inclusion and it is a major concern for a large developing nation like India.
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Mohammed Anam Akhtar, Adel Sarea, Imran Khan, Khurram Ajaz Khan and Madhvendra Pratap Singh
Using an integrated theoretical model, this study aims to examine the moderating role of gamification in influencing intentions to use mobile payment applications in Bahrain.
Abstract
Purpose
Using an integrated theoretical model, this study aims to examine the moderating role of gamification in influencing intentions to use mobile payment applications in Bahrain.
Design/methodology/approach
The current examination happens to be the first approximation in the context of Bahrain wherein an extended TPB-based model integrating variables from TAM and UTAUT2 is used along with gamification and situational influence to examine the intentions to use m-payment applications.
Findings
The findings revealed that among the variates of the TPB, AT and PB significantly affect the intentions (IN) to use m-payment applications in Bahrain, but SN fails to affect intentions, similarly SI also fails to affect intentions thereby proving that the pandemic fails to drive the intention of the population under study toward using m-payment applications. However, when the application offers gamification (GM) features, SI significantly affects intentions through GM, thus experience along with situation drives intentions and this becomes the major theoretical contribution of the study.
Practical implications
This examination offers useful practical implications in the form of the findings revealing that GM affects intentions to use m-payment applications and that GM moderates the relationship between perceived risk (PR) and IN, as well as SI and IN, which can be used by the service providers to improve the user experience and achieve better acceptance of their application.
Originality/value
The novelty of the study lies in testing the integrated theoretical model in the context of a GCC nation, Bahrain.
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Sehrish Naz, Muhammad Asrar-ul-Haq, Anam Iqbal and Misbah Ahmed
This paper aims to examine the impact of innovativeness on customer satisfaction through mediation of perceived quality and also examines the effect of consumer involvement and…
Abstract
Purpose
This paper aims to examine the impact of innovativeness on customer satisfaction through mediation of perceived quality and also examines the effect of consumer involvement and communication strategy as moderating variables to validate relationship between innovativeness and perceived quality from the perspective of Generation M.
Design/methodology/approach
Cluster sampling method is used and data is collected from 451 graduates studying in different universities of Sahiwal division to know their perception regarding mobile phones brands. Structural equation modelling technique is used, and all analyses are performed using SPSS 23.0 and SmartPLS 2.0 to know the findings of the study.
Findings
This study finds positive significant nexus between innovativeness-satisfaction, innovativeness-perceived quality and perceived quality-customer satisfaction at brand level. This study also finds that perceived quality is a significant mediator between brand innovativeness and customer satisfaction. However, moderating variables do not help to boost the relationship among brand innovativeness and perceived quality to transmit their impact on customer satisfaction.
Practical implications
This study may help to understand the preferences of different generations. Findings of the study can also benefit the firms in investment decisions, brand management and formulation of innovative strategies for future.
Originality/value
To the best of the authors’ knowledge, this work is one of the first studies to investigate the integrated model of BI-CS through mediating and moderating variables to know the perception of Generation M regarding smartphone brands in developing economies like Pakistan.
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Suzanna ElMassah, Ola AlSayed and Shereen Mostafa Bacheer
The purpose of this study is to investigate the main factors that affect liquidity risk in the UAE Islamic banks.
Abstract
Purpose
The purpose of this study is to investigate the main factors that affect liquidity risk in the UAE Islamic banks.
Design/methodology/approach
The study examines the annual data of the seven UAE Islamic banks over the period 2008-2014. Random effects panel data model is used to estimate the impact of four bank-specific variables and two macroeconomic ones on the liquidity risk of the UAE Islamic banks via their impact on five alternative liquidity ratios.
Findings
The paper finds that bank size has a negative impact on liquidity risk according to two liquidity ratios only, and an insignificant impact according to the other three. Both capital adequacy and London interbank offered rate have significant negative impacts on liquidity risk for three liquidity ratios, and insignificant impacts on two. The effect of credit risk is negative for all adopted ratios, while that of return on assets is negative for one ratio only. Finally, real GDP has a positive effect on two ratios and an insignificant one on the others.
Research limitations/implications
The study provides insights for policymakers and practitioners to choose appropriate liquidity management procedures. It emphasizes that identifying efficient procedures or policies depends on the liquidity ratio that is used as a proxy of liquidity risk and its definition, in addition to the correlation between the liquidity ratio and liquidity risk. The study also provides some guidance to Islamic banks in the UAE concerning the main factors impacting their liquidity, which can eventually enable them to support their liquidity management policies, in a way that would expand their customer base according to profitability aspects, and not only religious ones.
Originality/value
The paper adds to the relatively limited literature on liquidity risk in Islamic banks. It also is the first study that investigates the determinants of liquidity risk facing Islamic banks in the UAE using five alternative liquidity ratios.
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Astha Sanjeev Gupta, Jaydeep Mukherjee and Ruchi Garg
COVID-19 disrupted the lives of consumers across the globe, and the retail sector has been one of the hardest hits. The impact of COVID-19 on consumers' retail choice behaviour…
Abstract
Purpose
COVID-19 disrupted the lives of consumers across the globe, and the retail sector has been one of the hardest hits. The impact of COVID-19 on consumers' retail choice behaviour and retailers' responses has been studied in detail through multiple lenses. Now that the effect of COVID-19 is abating, there is a need to consolidate the learnings during the lifecycle of COVID-19 and set the agenda for research post-COVID-19.
Design/methodology/approach
Scopus database was searched to cull out academic papers published between March 2020 and June 6, 2022, using keywords; shopping behaviour, retailing, consumer behaviour, and retail channel choice along with COVID-19 (171 journals, 357 articles). Bibliometric analysis followed by selective content analysis was conducted.
Findings
COVID-19 was a black swan event that impacted consumers' psychology, leading to reversible and irreversible changes in retail consumer behaviour worldwide. Research on changes in consumer behaviour and consumption patterns has been mapped to the different stages of the COVID-19 lifecycle. Relevant research questions and potential theoretical lenses have been proposed for further studies.
Originality/value
This paper collates, classifies and organizes the extant research in retail from the onset of the COVID-19 pandemic. It identifies three retail consumption themes: short-term, long-term reversible and long-term irreversible changes. Research agenda related to the retailer and consumer behaviour is identified; for each of the three categories, facilitating the extraction of pertinent research questions for post-COVID-19 studies.
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