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This paper aims to understand the attitudes of young Pacific Island adults towards financial products such as debt and money and explore the cultural elements influencing the financial consumption amongst Pacific Island adults.

Hermeneutic phenomenology has been used to explore and gain insights into the experiences, thought processes, values and aspirations of young Pacific Island adults with regard to their consumption of financial products.

The findings identify culture as an influential factor in shaping the participants’ attitudes and financial consumption behaviour. Culture not only enabled the individuals to internalize their values, norms and beliefs but also shaped their way of thinking through the effect of communications.

Communication element within culture is identified as an influential factor in shaping the participants’ attitudes and financial consumption behaviour offering an important insight that social marketers should be aware of and be prepared to address when developing their financial educational programs or any other behavioural change interventions.

The purpose of this paper is to identify the potential business opportunities for Middle Eastern entrepreneurs by understanding the Malaysian Muslim’s ways of experiencing and realising value of products originating from Middle Eastern countries.

Phenomenography approach has been used to identify the variations among the Muslim consumers’ ways of experiencing Middle Eastern products.

The authors reported that Muslim consumers considered the country of origin as an important cue that affects their knowing, understanding, judging and acting on products originating from Middle Eastern countries.

Understanding developed from the Malaysian Muslim consumers enabled authors to suggest business opportunities for Middle Eastern entrepreneurs to enter and expand their operations in other leading Islamic countries.