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This study aims to identify the status of virtual library system development in university libraries. It also attempted to examine the availability of virtual library services and reveal the challenges being faced by university librarians of Punjab province, Pakistan in providing virtual library services.

The study used a quantitative research method by using a questionnaire to address the study’s objectives. In total, 62 university libraries in Punjab province, Pakistan were the population of the study. A purposive sampling technique was applied to gather the required data from the respondents.

Results showed that most of the study’s respondents are well aware of the potential benefits of virtual library systems in universities for the delivery of innovative smart services to library patrons. The libraries delivered different virtual library services to meet the diverse needs of the library patrons. The respondents faced the challenges of funding, expertise, technical support, leadership, strategic planning and training to adopt virtual library systems and services in university libraries.

The study has provided a framework based on empirical findings of the study to efficiently adopt virtual library systems and services in university libraries for the delivery of smart services to end users. It has provided pertinent theoretical and practical implications.

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.