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Introduction: The bank plays a significant role in financial intermediation and serves as market-makers and agents. The emergence of new financial technology, commonly known as “FinTech”, is anticipated to revolutionize these industries. FinTech encompasses technological advancements in the financial sector to enhance consumer satisfaction, streamline operational procedures, create novel products, and foster greater competition.

Purpose: The primary aim is to discuss the banking industry’s current and potential future state with the emergence of financial technology. The specific objective is to explore the emergence of new-age technologies in the banking industry and the challenges faced in their implementation.

Methodology: A qualitative method is employed to analyze the FinTech landscape. Researchers conducted an extensive literature review and analyzed recent news articles to explore the banking industry’s digital transformation through FinTech. The literature review encompassed academic journals, industry reports, and relevant books to provide a theoretical framework and historical context to capture current developments, real-world applications, and emerging trends.

Findings: The evolution and impact of financial technology on the global economic landscape have been explored. It highlights how FinTech innovations, such as blockchain, artificial intelligence, and mobile payments, have revolutionized traditional banking, enhancing efficiency, accessibility, and security. It discusses regulatory challenges and the need for a balanced approach to foster innovation while ensuring consumer protection. The findings underscore FinTech’s potential to drive economic growth and the importance of continuous adaptation to evolving technological trends.

This study analyzed the relationship between mobile financial services (MFS) usage and customer satisfaction with MFS in Bangladesh, considering perception, purpose of use and technical challenges as the primary factors influencing customer satisfaction with MFS. The aim is to determine the factors most influencing the use of MFS.

Data were collected from 400 MFS users through a structured web survey using snowball sampling that is consistent with the nature of MFS users who are difficult to identify or locate. Structural equation modeling (SEM) was used to analyze the data and evaluate the reliability and validity of the measurement model.

The results show that customers’ perceptions and satisfaction significantly impact their intention to use MFS. Specifically, customers’ perceptions strongly influence their satisfaction with MFS, and the purpose of use significantly predicts both perception and satisfaction. Technical problems and challenges were found to have no significant impact on satisfaction levels, but other factors were more critical. Furthermore, the integration of innovative technological solutions is crucial for fostering sustainability in MFS, as it enhances reliability and efficiency while minimizing environmental footprints.

The study was conducted in a single country, relied on self-reported data, and used a cross-sectional design, which limits the ability to draw causal inferences. Future research could explore the factors that influence customer satisfaction with MFS in different countries and regions and incorporate additional variables to provide a more comprehensive understanding of the drivers of customer satisfaction with MFS.

This study significantly contributes by extending the technology acceptance model (TAM) framework with the innovation resistance theory, offering a nuanced understanding of MFS adoption. The findings challenge conventional wisdom, highlighting the limited impact of technical problems on satisfaction and emphasizing the central role of user perceptions in shaping satisfaction and intention to use.

Recently tourist destinations are facing serious issues of environmental degradation and destination managers are developing strategies to achieve the sustainable destinations’ natural environment. The primary purpose of this study is to analyze the role of green destination brand equity (DBE) in shaping tourists’ environmentally responsible behavior (ERB). Green DBE is analyzed through green destination awareness (GDA), green destination image (GDI), green destination quality (GDQ) and green destination loyalty (GDL). Furthermore, perceived destination trust (PDT) is considered a mediator, and green perceived value is a moderator to explain the tourists’ ERB.

Respondents attending the green-certified destinations were approached physically, and data was gathered from 701 respondents through a self-administered survey method.

Results of the study indicated a significant effect of GDA on GDI and GDQ while an insignificant effect on GDL. Study found significant effect of GDI on GDQ and GDL. Study indicated significant effect of GDQ on GDL. Results of the study indicated significant effect of GDA, GDI, GDQ and GDL on tourists’ ERB. Furthermore, PDT significantly mediated the relationship between green DBE and tourists’ ERB. Finally, moderation results for green destination value (GPV) were significant between green DBE and tourists’ ERB.

Based on the theoretical perspectives of the simulation-organism-response model, a study has explained the influence of green DBE destinations on tourists’ ERB. The study has significantly used the concept of green DBE to explain tourists’ ERB and endorsed the importance of branding in achieving a sustainable tourist destination environment. Finally, the study has uniquely explained tourists’ ERB with the PDT and GPV. The study has highlighted the significance of green branding strategies in protecting the destination environment through shaping tourists’ ERB.

The business ambiguity because of COVID-19 has brought the tourism industry under stress. Using the service-dominant-logic and elaboration-likelihood-model, this study tested the effects of destination-based cognitive, affective and behavioral customer brand engagement (CBE) on customer brand co-creation (CBC). This research also examined the effects of involvement and CBC on customer revisit intention (CRI) during the COVID-19 pandemic. This study also tested the moderating role of customers’ age among the modeled relationships.

Investigating these matters, a sample of 315 tourists was recruited and adopted a mixed-method approach, including structural equation modeling (SEM) as well as fuzzy set qualitative-comparative analysis (fsQCA).

SEM results render that CBE’s dimensions exercise different impacts on CBC, which affect revisit-intention. Results ascertain customer involvement’s direct effects on CBC and revisit intention. Multi-group analysis uncovers that consumer age significantly moderates the CBC and CRI relationship, and their effect increases as consumers get older. The fsQCA results revealed more heterogenous combinations to predict CBC and revisit intention.

This study focuses on CBE, CBC and involvement, and contributes unique insight to tourism marketing research; thus, it identifies plentiful opportunities for further research, as summarized.

This study offers key implications for destinations to build tourism/marketing strategies to strengthen the CBE/CBC or tourist/destination–brand relationship.

Though CBE/CBC and involvement are identified as important research priorities, empirically derived insights among these and related factors remain limited in the course of the COVID-19 crisis.

本文采用结构方程模型(SEM)和模糊集定性比较分析(fsQCA)相结合的方法, 对315名游客进行了调查。

由于新型冠状病毒感染症(COVID-19)产生的业务不定性给旅游业带来了压力。本研究运用服务主导逻辑和精细似然模型, 检验了基于目的地的认知、情感和行为顾客品牌参与(CBE)对顾客品牌共同创造(CBC)的影响。本研究还考察了COVID-19大流行期间参与和CBC对客户重访意愿(CRI)的影响。检验了顾客年龄在模型关系中的调节作用。

SEM结果表明, CBE的维度对CBC有不同的影响, 而这种影响又会影响着重游意愿。结果确定了游客参与对CBC和重访意愿的直接影响。多群体分析发现, 消费者年龄显著调节CBC和CRI关系, 且随着消费者年龄的增长, 其作用增强。fsQCA结果显示需更多的异质组合来预测CBC和再访意向。

-本研究关注CBE、CBC和参与, 为旅游营销研究提供了独特的见解, 因此总结出了许多进一步研究的机会。

本研究为目的地建立旅游/营销策略以加强CBE/CBC或游客/目的地-品牌关系提供了重要启示。

尽管CBE/CBC和参与被认为重要的研究重点, 但在covid −19危机期间, 从这些因素和相关因素中得出的经验见解仍然有限。

Para investigar estas cuestiones, se seleccionó una muestra de 315 turistas y se utilizó un enfoque metodológico mixto que incluía el modelo de ecuaciones estructurales (SEM) y el análisis cualitativo-comparativo de conjuntos difusos (fsQCA).

La confusión empresarial debida a la pandemia del COVID-19 ha sometido al sector turístico a una fuerte tensión. Utilizando la lógica dominante del servicio y el modelo de elaboración de verosimilitud, este estudio examinó los efectos del compromiso cognitivo, afectivo y comportamental del cliente con la marca del destino (CBE) en la cocreación de la marca (CBC). Esta investigación también analizó los efectos de la implicación y la CBC en la intención de revisita (IRC) durante la pandemia COVID-19. Este estudio también evaluó el papel moderador de la edad de los clientes entre las relaciones establecidas.

Los resultados del SEM muestran que las dimensiones de la CBE ejercen diferentes impactos sobre la CBC, que afectan a la intención de revisita. Los resultados determinan los efectos directos de la implicación del cliente sobre la CBC y la intención de revisita. El análisis multigrupo revela que la edad del consumidor modera significativamente la relación entre el CBC y el IRC, y que su efecto aumenta a medida que los consumidores envejecen. Los resultados del fsQCA revelaron combinaciones más heterogéneas para predecir el CBC y la intención de volver a visitar.

Este estudio se centra en la CBE, la CBC y la implicación, y aporta una visión única a la investigación del marketing turístico, por lo que identifica numerosas oportunidades para futuras investigaciones.

Este estudio ofrece implicaciones clave para que los destinos construyan estrategias de turismo/marketing en el fortalecimiento de la relación CBE/CBC o turista/destino-marca.

Aunque la CBE/CBC y la implicación se identifican como importantes prioridades de investigación, las percepciones derivadas empíricamente entre estos factores y otros relacionados siguen siendo limitadas en el transcurso de la crisis del COVID-19.

Organisations and industries are often looking for technologies that can accomplish multiple tasks, providing economic benefits and an edge over their competitors. In this context, drones have the potential to change many industries by making operations more efficient, safer and more economic. Therefore, this study investigates the use of drones as the next step in smart/digital warehouse management to determine their socio-economic benefits.

The study identifies various enablers impacting drone applications to improve inventory management, intra-logistics, inspections and surveillance in smart warehouses through a literature review, a test of concordance and the fuzzy Delphi method. Further, the graph theory matrix approach (GTMA) method was applied to ranking the enablers of drone application in smart/digital warehouses. In the subsequent phase, researchers investigated the relation between the drone application's performance and the enablers of drone adoption using logistic regression analysis under the TOE framework.

This study identifies inventory man agement, intra-logistics, inspections and surveillance are three major applications of drones in the smart warehousing. Further, nine enablers are identified for the adoption of drone in warehouse management. The findings suggest that operational effectiveness, compatibility of drone integration and quality/value offered are the most impactful enablers of drone adoption in warehouses. The logistic regression findings are useful for warehouse managers who are planning to adopt drones in a warehouse for efficient operations.

This study identifies the enablers of drone adoption in the smart and digital warehouse through the literature review and fuzzy Delphi. Therefore, some enablers may be overlooked during the identification process. In addition to this, the analysis is based on the opinion of the expert which might be influenced by their field of expertise.

By considering technology-organisation-environment (TOE) framework warehousing companies identify the opportunities and challenges associated with using drones in a smart warehouse and develop strategies to integrate drones into their operations effectively.

This study proposes a TOE-based framework for the adoption of drones in warehouse management to improve the three prominent warehouse functions inventory management, intra-logistics, inspections and surveillance using the mixed-method.

Considering the significance of knowledge with respect to the current economic era, this study exclusively focuses on perceived negative workplace gossips (NWG) and knowledge-hiding behavior through a self-evaluation perspective. Further, this study also aims to explore the mediating role of workplace ostracism and moderating role of neuroticism in the relationship between perceived NWGs and knowledge hiding behavior (KHB).

Relying on the self-verification theory, data were collected from 323 employees working in the largest public sector universities of Punjab, Pakistan. Data were collected in three-time lags to overcome common method bias and social desirability issues. PROCESS macro bootstrap method were used to confirm the proposed model and hypothesis investigation.

The findings of the study revealed that perceived NWGs increase KHB. Additionally, workplace ostracism mediates the relationship between perceived NWGs and KHB. The findings of the study also suggest neuroticism moderates the relationship between workplace ostracism and KHBs.

Based on the self-evaluation concept, this research provides new insight by linking NWGs and KHB, especially from gossipee’s (target’s) perspective in the Pakistani cultural context. By examining the mediating role of workplace ostracism and the moderating role of neuroticism, this research responds to a recent call to explore more mechanisms between NWG and KHB. Finally, this research offers significant implications to managers and organizations that how and when their work environment can limit the impact of NWG.

The current research study aims to explore the rising appeal of creative industry for institutionally embedded women entrepreneurs of rural Khyber Pakhtunkhwa.

A qualitative research methodology is adopted to conduct the research study. Primary data is collected through in-depth interviews with 38 women entrepreneurs working in two sectors of creative industry in rural Khyber Pakhtunkhwa.

The research study explored creative industry as the most informal, non-traditional, low cost, flexible and convenient business sector for institutionally embedded Pukhtoon women entrepreneurs of rural KP.

The study draws the attention of policymakers and government to consider the informal norms in which women entrepreneurship is deeply embedded, while making entrepreneurship development policies and programs. The research study drives the attention of government toward making entrepreneurial education and training facilities easily available so that the skill and talent of women entrepreneurs can be more polished and enhanced. It further suggests that if the policymakers and Government of Pakistan take positive initiations and recognize the paramount importance, the creative industry of Pakistan has the potential of contributing toward uplifting of the economy.

The study helps in identifying the prevailing social and cultural norms in KP that shapes the choice of women entrepreneurs toward entrepreneurship in creative industry. It emphasizes to understand the reasons, for which women in KP, opt to open their entrepreneurial ventures in creative industry.

Leaders’ capacity to execute innovative and inspiring activities significantly impacts whether educational institutions succeed or fail. This paper aims to explore the gap in how digital leadership (DL) affects employee cynicism (EMPC) and emotional intelligence (EI). In addition, the moderating impact of EI on the association between DL and EMPC is examined in this study.

The researchers have used a quantitative approach based on cross-sectional data technique. This study examines the effects of DL at Pakistani private universities. All the teaching faculty of Pakistan’s private higher educational institutes like universities were the population of the study. While using random sampling, data were gathered from teaching faculty members of such universities. Hence, 366 usable cases were found usable for final data analysis. This study performed the path analysis through the Analysis of Moment Structures in structural equation modeling (SEM).

Results confirmed that the positive impact of DL among teaching faculty in private universities in Pakistan depends on the EMPC and EI. Overall, the findings are according to the estimates. SEM evaluates that DL significantly correlates with EMPC and EI. On the contrary, EI also significantly impacts EMPC. Furthermore, findings describe that EI significantly mediates the relationship between DL and EMPC.

Based on the research findings, the current issues about how DL can enhance the EMPC and EI in the private educational sector are addressed. It has been explored that academic leaders must demonstrate the techniques that build up strong EI among the teaching faculty to maintain a positive EMPC. The study results offer policymakers and academic authorities significant guidance who embrace technology and will effectively lead their educational institute to acquire educational resources to enhance student engagement and learning. It has also been found that the institutes are significantly impacted by DL, by the behavior and attitude of employees, managers and representatives, eventually. The employees’ attitude is majorly known as one reason that affects their productivity. Hence, this study can be found beneficial in establishing a supportive environment and identifying the leaders’ EI, which can reduce the issues of EMPC.

The findings of the study indicate that private educational institutes need to focus on enhancing the EI of their teaching faculty and give importance to faculty members’ abilities to deal with the new digital techniques to improve their effectiveness in terms of teaching methodology and maintaining the teacher-student relationship. According to the researchers’ knowledge, very few studies have examined the connection between DL, EMPC and EI. However, the association between DL and EMPC is examined for the first time in a specific Asian context, namely in Pakistan, with the mediating effect of EI. Therefore, understanding the effects of cynicisms will be a valuable addition to existing literature.

This study aims to explore the impact of cultural practices on consumers’ buying behavior in sales promotional activities toward the fashion clothing brands based on the Theory of Black-Box Model under the conditions of COVID-19 at Pakistan.

The study has collected data through questionnaire-based survey from 600 consumers of fashion clothing brands using convenience sampling technique in Pakistan and analyzed through PLS-SEM to find results.

The results confirmed that cultural practices and sales promotional activities have positive significant relationship with the consumers’ buying behavior during the celebration of events, also under the conditions of COVID-19. The study also found that ethnocentrism and xenocentrism are positively associated with cultural practices while social factors, physical factors, product innovation and marketing innovation with sales promotional activities.

The outcomes provide interesting insights about consumers’ assessment toward the sale’s promotional activities and cultural practices of fashion clothing brands during the celebration of events and guide the marketing practitioners to develop the customers edifying and environment-oriented business strategies to boost up the buying behavior in crisis situations.

Although prior research has widely investigated the cultural practices, sales promotion and consumers’ buying behavior in various settings, but to the best of the authors’ knowledge, this is the first study in these domains.