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The research examines how behavioral intentions, as a higher-order construct, indirectly affect financial inclusion through service trust, usage behavior and financial literacy in mobile money adoption.

Following the positivist research philosophy, a cross-sectional study design was used to collect data through questionnaires comprised of scales adapted from prior studies. With a usable sample size of 340 respondents, this study employs partial least squares structural equation modeling to assess the model.

The study revealed the significant indirect role of behavioral intention on financial inclusion through use behavior, behavioral intentions on use behavior through service trust, and use behavior on financial inclusion through financial literacy. The role of behavioral intentions on financial inclusion through serial mediation of service trust, use behavior and financial literacy was also found to be significant.

This study's novelty resides in examining the indirect relationship between behavioral intentions and financial inclusion, specifically via the serial mediation of service trust, use behavior and financial literacy.

This research aims to understand the smartphone security behavior using protection motivation theory (PMT) and tests the current PMT model employing statistical and predictive analysis using machine learning (ML) algorithms.

This study employs a total of 241 questionnaire-based responses in a nonmandated security setting and uses multimethod approach. The research model includes both security intention and behavior making use of a valid smartphone security behavior scale. Structural equation modeling (SEM) – explanatory analysis was used in understanding the relationships. ML algorithms were employed to predict the accuracy of the PMT model in an experimental evaluation.

The results revealed that the threat-appraisal element of the PMT did not have any influence on the intention to secure smartphone while the response efficacy had a role in explaining the smartphone security intention and behavior. The ML predictive analysis showed that the protection motivation elements were able to predict smartphone security intention and behavior with an accuracy of 73%.

The findings imply that the response efficacy of the individuals be improved by cybersecurity training programs in order to enhance the protection motivation. Researchers can test other PMT models, including fear appeals to improve the predictive accuracy.

This study is the first study that makes use of theory-driven SEM analysis and data-driven ML analysis to bridge the gap between smartphone security’s theory and practice.

The purpose of this study is to examine the link between knowledge-oriented leadership (KOL) and organizational performance (OP) at Higher Education Institutions (HEIs) both directly and indirectly through service innovation and knowledge-sharing quality.

This research used Smart PLS 4.0 to model structural equations using a sample comprising 237 academic staff from HEIs in China.

According to the study data, KOL has a negligible direct influence on organizational performance. The link between KOL and OP, on the other hand, is entirely mediated by the quality of knowledge sharing quality and service innovation.

The study results validate universities' experience with KOL and propose ways for academics at higher education institutions to prioritize the quality of knowledge sharing and service innovation, which in turn helps organizations function better in a volatile environment.

Despite the growing relevance of knowledge-oriented leadership in higher education, little research has been conducted to examine the mediating impact of numerous factors in the link between KOL and OP. The present research examines the link between knowledge-oriented leadership, the quality of knowledge sharing, service innovation and the performance of higher education institutions. The current study scientifically investigates the link between KOL and OP and offers insight into the existing literature by examining the mediating role of KSQ and SI.

Drawing upon the natural resource-based view (NRBV) and social cognitive theory (SCT), the present study explores the role of green learning orientation (GLO) and green creativity (GC) as a mediating variable in the relationship between green transformational leadership (GTL) and green innovation (GI) in the Italian hotel industry. The research further assesses environmental performance (EP) and corporate green image (CGI) as a resultant factor of GI.

Two studies were conducted in Italy to evaluate theoretical models with workers in the lodging industry. Study 1 employed a three-wave, two-week time-lagged design with a total sample size of 303. Study 2 utilized a two-wave (four-week apart) design, with 349 participants using structural equation modeling.

The research findings emphasize that the enhancement of employees’ GLO and GC can be facilitated by providing GTL. This, in turn, may lead to the enhancement of GI, which improves the EP and CGI of a hotel.

The study comprehensively analyzes the previously unexamined relationships of employee-driven factors associated with GLO and GC. These factors are essential for promoting GI through GTL, ultimately enhancing EP and CGI. Therefore, it contributes by explaining previously unexplored employee and organizational factors in a unified model, utilizing time-lagged data, and enhancing the understanding of how organizations can elevate EP and CGI, particularly within the Italian hospitality sector.

This paper provides a snapshot of educational and economic trends across South Asia with an exploratory and comparative approach. Before COVID-19, South Asia was the world’s fastest-growing regional economy, concurrently achieving major strides in poverty reduction and access to education. Despite the region’s economic and educational accomplishments, the countries of South Asia fall short of international benchmarks in public education expenditure, resulting in a persistent lag in educational quality that hampers individuals, the workforce, and overall economic productivity. The paper highlights themes in the literature, including context-specific evidence for the various theories of economic growth, the returns to education, and educational inputs (e.g., teachers and private schools) that highlight how spending can be leveraged to increase educational outcomes. In addition, it examines the relationship between education, poverty, and marginalization factors that explain why some populations are deprived of education and its benefits. We provide a broad perspective of the dynamics of the economics of education and the related challenges in this region. This discussion aims to enhance the understanding of the inefficiencies in South Asia’s educational systems and, ultimately, in the development of the region’s human capacities.

This study aims to investigate the digital information needs and seeking behaviour of legal practitioners practising at the Lahore High Court in the Punjab province of Pakistan.

This study adopts a quantitative approach based on an e-questionnaire survey to collect data from legal practitioners following a comprehensive census. Among the 9,933 registered legal practitioners, a random sample size of 370 respondents was determined, of whom 302 responded to the survey, resulting in a response rate of 81.6%.

Legal practitioners prefer the Pakistan Law Site and law journals as primary sources of information acquisition, with a distinct inclination towards digital formats over traditional print. These resources are primarily used for court case preparation, significantly enhancing the research capabilities of legal practitioners and ensuring they remain current in their field. However, several challenges were identified, including time constraints, limited access to digital resources and inadequate availability of legal resources in digital format. These challenges emphasize the critical need for enhancing the digital infrastructure of law libraries.

The study calls for law libraries to adopt technological advancements and underscores the necessity of improving digital infrastructure to better serve the evolving information needs of legal practitioners.

This study underscores the preferred information sources and formats of legal practitioners for seeking information, their purpose for using law resources and the impact of digital media on their information-seeking behaviour. In addition, this study reveals the challenges they face in seeking them.

This study aims to explore the key factors influencing customer loyalty in Islamic banking within the Iraqi market, as well as the consequences of loyalty. Despite the increasing global significance of Islamic finance, there is a notable lack of empirical research addressing how both causal and contextual factors shape customer loyalty in Iraq. This research seeks to fill this gap by examining the dynamics of customer loyalty and its perceived value to customers, thereby contributing to a deeper understanding of customer relationships in Islamic banking.

The research is conducted using a grounded theory approach, allowing for an exploration of the objective through in-depth qualitative analysis. In-depth interviews are conducted with various stakeholders, including customers, managers and bank employees. The inclusion of heterogeneous groups offers a richer and deeper understanding, increasing the validity and transferability of the findings.

A model of customer loyalty in Islamic banking in Iraq is developed, highlighting social, individual and banking characteristics as indicators of causal factors. Macroeconomic trends, government policy and media and advertising are identified as contextual factors, while competitor actions, life events and demographic profiles are recognized as intervening factors. The findings also suggest that loyalty brings positive values not only to the customers, such as positive experiences, lifetime value and better financial stability, but also to the banking institutions, including word-of-mouth referrals, competitive advantage and increased customer advocacy.

This study contributes to the advanced development of a theoretical framework on customer loyalty. In addition, the findings offer valuable insights into the relationship between Sharia compliance and customer loyalty, calling for banking institutions to prioritize adherence to Sharia principles.

This study explores areas of research within the context of Iraqi Islamic banking, allowing for the discovery of new and original insights into causal, contextual and intervening conditions of customer loyalty, which signify the Iraqi social phenomena. While the scope focuses on customers, the grounded theory approach opens up to emergent patterns and relationships.

Construction activities generate overwhelming waste that is typically disposed of in landfills, which has significant environmental consequences and hinders national progress. However, with the appropriate competencies, there is an opportunity to identify construction activities that produce recyclable materials, offering a path to a sustainable future. This study aims to assess the competencies for identifying construction activities that produce recyclable materials. To attain that aim, the study seeks to identify the key competencies and assess the index level of the competencies.

A systematic literature review was conducted, and 20 competencies were identified and categorized into knowledge, skills, and abilities. A questionnaire survey was developed based on the competencies and completed by 101 individuals. The collected data were analyzed using normalized mean analysis, confirmatory factor analysis, and fuzzy synthetic evaluation (FSE).

The results revealed that the key competencies are problem-solving skills, communication skills, skills in providing vocational training, and knowledge of the environmental impacts of construction activities. The FSE ranks the constructs in order of skills, knowledge, and abilities. Also, the FSE illustrated that the overall index level is inclined to be important.

This study leads to saving natural resources, using raw materials efficiently, protecting from environmental pollution, and mitigating resource depletion by providing the index level of the competencies.

The findings can guide professionals in effective waste management, policymakers in creating new policies and regulations, and researchers in compiling a list of competencies for identifying construction activities that produce recyclable materials.

China–Pakistan Economic Corridor (CPEC) is a framework of regional connectivity in which employees have to work in a cross-cultural environment. This study has extended the leader-member exchange theory by investigating the mediating role of employee commitment (EC) between the relationship of leader-member exchange (LMX) and employee's work-related behaviors.

PLS-SEM technique was used to test the model by utilizing a multi-wave/two-source data collected from employees and their supervisors (n = 500) working in different energy projects of CPEC.

According to the results/findings, LMX has a significant positive impact on employee commitment, employee performance (EP) and open-minded discussions, but insignificant impact on innovative work behaviour (IWB). Mediating role of employee commitment was significant between the relationship of LMX with EP and open-minded discussions, but insignificant with the IWB.

The study contributes empirical evidence to understanding the leader-member exchange relationship among Chinese managers and Pakistani workers. It also contributes to the LMX theory literature by investigating the effect of LMX on followers' outcomes (employee performance, IWB, open-minded discussions) through employee commitment.

The presence of heavy metals in milk causes many acute and chronic physiological dysfunctions in human organs. The present study aims to investigate the heavy metals in cow's and buffalo's milk of two major cities, Karachi and Gujranwala, Pakistan to estimate metal intake by humans from this source.

In total, 48 milk samples from 2 cities were drawn from animals' udder to avoid contamination. Each sample was digested with nitric acid at 105 ^oC (degree Celsius) on a pre-heated electric hot plate to investigate the metals by atomic absorption spectroscopy (flame type). Air-acetylene technique analyzed chromium, cadmium and lead, and the hydride method analyzed arsenic in the milk samples.

The results revealed the highest mean lead concentration (19.65 ± 43.86 ppb) in the milk samples, followed by chromium (2.10 ± 2.33 ppb) and arsenic (0.48 ± 0.73 ppb). Cadmium was not detected in any sample, assuming cadmium's occurrence was below the detection level. The concentrations of all the metals in the samples of the two cities do not differ statistically. Lead concentrations in the buffalo's milk were higher than in cow's milk (p < 0.05). However, the concentrations of arsenic and chromium between buffalo's and cow's milk do not differ statistically. The present study reveals a lower level of metals in the milk than those conducted elsewhere. The mean concentrations of all the metals met the World Health Organization's (WHO) safety guidelines (1993).

Although cadmium causes toxicity in the human body, cadmium could not be measured because cadmium's concentration was below the detection level, which is 1 ppb.

This study will help reduce the toxic metals in our environment, and the sources of heavy metals, particularly from the industrial sector could be identified. The feed and water consumed by the milking animals could be carefully used for feeding them.

This study will help reduce the diseases and malfunction of human organs and organ systems since these heavy metals cause toxicity and carcinogenicity in humans. Arsenic and chromium cause cancer while lead causes encephalopathy (a brain disease).

The study reports heavy metal concentrations in the two attributes of four independent variables of raw milk samples that were scarcely reported from Pakistan.