Search results

1 – 10 of 38
Per page
102050
Citations:
Loading...
Access Restricted. View access options
Article
Publication date: 17 July 2023

Noman H. Chowdhury, Marc T.P. Adam and Timm Teubner

A growing body of research has identified time pressure as a key driver of cybersecurity (CS) risks and vulnerabilities. To strengthen CS, organizations use CS documents (e.g…

283

Abstract

Purpose

A growing body of research has identified time pressure as a key driver of cybersecurity (CS) risks and vulnerabilities. To strengthen CS, organizations use CS documents (e.g. best practices, guidelines and policies) intended to strengthen CS. The purpose of this paper is to provide an overview of how specifically time pressure is addressed by CS documents.

Design/methodology/approach

The authors conducted a systematic search for CS documents followed by a content analysis of the identified documents. First, the authors carried out a systematic Web search and identified 92 formal and informal CS documents (e.g. security policies, procedures, guidelines, manuals and best practices). Second, they systematically analyzed the resulting documents (n = 92), using a structured approach of data familiarization and low-/high-level coding for the identification and interpretation of themes. Based on this analysis, the authors formulated a conceptual framework that captures the sources and effects of time pressure along the themes of industry, operations and users.

Findings

The authors developed a conceptual framework that outlines the role of time pressure for the CS industry, threats and operations. This provides a shared frame of reference for researchers and practitioners to understand the antecedents and consequences of time pressure in the organizational CS context.

Research limitations/implications

While the analyzed documents acknowledge time pressure as an important factor for CS, the documents provide limited information on how to respond to these concerns. Future research could, hence, consult with CS experts and policymakers to inform the development of effective guidelines and policies on how to address time pressure in the identified areas. A dedicated analysis within each area will allow to investigate the corresponding aspects of time pressure in-depth along with a consideration for targeted guidelines and policies. Last, note that a differentiation between CS document types (e.g. formal vs informal and global vs regional) was beyond the scope of this paper and may be investigated by future work.

Originality/value

This study makes three main contributions to the CS literature. First, this study broadens the understanding of the role of time pressure in CS to consider the organizational perspective along the themes of industry, threats and operations. Second, this study provides the first comprehensive assessment of how organizations address time pressure through CS documents, and how this compares to existing research in academic literature. Third, by developing a conceptual framework, this study provides a shared frame of reference for researchers and practitioners to further develop CS documents that consider time pressure’s role in secure behavior.

Details

Information & Computer Security, vol. 31 no. 4
Type: Research Article
ISSN: 2056-4961

Keywords

Access Restricted. View access options
Article
Publication date: 1 February 2022

Syed Mahmudur Rahman, Jamie Carlson and Noman H. Chowdhury

The experience of safety as perceived by customers is a central issue in retailing, and its importance has increased because of the pandemic. Substantial literature exists…

1892

Abstract

Purpose

The experience of safety as perceived by customers is a central issue in retailing, and its importance has increased because of the pandemic. Substantial literature exists addressing different factors related to safety/security experience in different types of retail channels. However, what is missing is a unified framework to guide safe customer experience initiatives across all channels. Therefore, this study aims to investigate the safety elements in omnichannel retailing as perceived by customers and how these safety elements affect customer experience (CX) judgments and consumer behavior in a post-pandemic context.

Design/methodology/approach

A systematic literature review on safety/security studies in a retail context is conducted, followed by a qualitative study driven by a means-end-chain laddering technique collecting data from 62 retail customers in Australia, the USA and UK.

Findings

Fourteen distinct safety elements in omnichannel retailing are identified. Four elements are relevant to the CX at the pre-purchase stage of the customer journey: social inclusiveness, role readiness, employment policy and safety policy enforcement. Six elements are relevant to the during-purchase stage: physical safety, personal hygiene, spatial distancing, fraud prevention, security surveillance and safety signal. The remaining four elements are relevant to the post-purchase stage: delivery safety, safety recall, mental health and data usage.

Originality/value

This study presents a new unified framework addressing safety and security in post-pandemic retail service settings. The SafeCX framework offers researchers and managers a holistic understanding of the distinct safety elements that shape customers’ perceptions across each customer journey stage of the retail CX.

Details

Journal of Services Marketing, vol. 36 no. 4
Type: Research Article
ISSN: 0887-6045

Keywords

Access Restricted. View access options
Article
Publication date: 13 February 2024

Hadia Sohail and Noman Arshed

Literature has pointed that conventional financial development theories have inconclusive role on motivating new businesses. New ventures often consider the conventional system…

153

Abstract

Purpose

Literature has pointed that conventional financial development theories have inconclusive role on motivating new businesses. New ventures often consider the conventional system that passes through risk and provides fixed-interest lending as a burden. Comparatively, Islamic finance contributes using participative and equitable substitute for startups and has a potential in promoting new businesses. This study aims to investigate the holistic financial development index quadratic effect on entrepreneurship and include the moderating role of Islamic financing at national level.

Design/methodology/approach

Islamic banks of 21 nations constitute the unbalanced panel data. Financial development and entrepreneurship indices were developed using factor analysis and panel median regression to estimate the nonlinear financial market development effects and Islamic financing moderation model.

Findings

The results indicated that low financial market development is entrepreneurship deterring because of interest burden effect, which could be eased with a proportional increase in the Islamic financing, which is participative. The moderating effect has led to the categorization of the sample countries into entrepreneurship promoting and entrepreneurship discouraging with respect to the current incidence of financial market development and Islamic financing, which can help policymakers in understanding the entrepreneurship promoting combination of financial development and Islamic financing.

Research limitations/implications

Central banks and Shari’ah advisory councils can adopt Islamic financing transition in the national financial inclusion policy for new business facilitation.

Originality/value

This study is instrumental in exploring the assessment of introducing Islamic financing while developing the financial sector on multidimensional entrepreneurship.

Details

Journal of Islamic Accounting and Business Research, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1759-0817

Keywords

Access Restricted. View access options
Article
Publication date: 30 April 2024

Suman Das and Ambika Prasad Pati

This study aims to investigate whether various types of risks faced by the publicly listed commercial banks of India and Bangladesh are driven by market power and provides…

127

Abstract

Purpose

This study aims to investigate whether various types of risks faced by the publicly listed commercial banks of India and Bangladesh are driven by market power and provides comparative insights from both economies.

Design/methodology/approach

By using the adjusted Lerner index to gauge bank market power and applying the generalised methods of moments (GMM) regression approach, the research delved into the relationship between bank market power and three distinct facets of risk across a sample of 26 publicly listed commercial banks in India and 22 listed banks in Bangladesh spanning from 2011 to 2022.

Findings

The results indicate that for Bangladesh, both “competition fragility” and “competition stability” viewpoints coexist simultaneously across all risk types, supporting a nonlinear relationship between market power and risk. However, in the Indian context, a nonlinear association exists only in the case of credit risk, while the relationship with insolvency risk is linear, substantiating the “competition fragility view”. Apart from market power and bank-specific variables, GDP growth rate has emerged as a prominent driver across all risk categories in both countries.

Research limitations/implications

The filtration of banks is a limitation that might have influenced the outcomes. This study recommends that the Reserve Bank of India encourages further bank consolidation. Along the same line, Bangladesh Bank should closely oversee the growing competitive landscape. Furthermore, the regulators must monitor the elevated levels of non-performing loans to reduce credit risk so as to bolster the stability of their respective banking sectors.

Originality/value

This comparative study is the first attempt to analyse the market power and risk relationship and includes a novel bank-specific variable, i.e. technology, apart from other established variables.

Details

Journal of Financial Regulation and Compliance, vol. 32 no. 4
Type: Research Article
ISSN: 1358-1988

Keywords

Access Restricted. View access options
Article
Publication date: 17 February 2025

Shakeel Riaz, Talat Hussain and Noman Arshed

The purpose of this study is to explore how changes in customer deposits influence the banking profits. The banking sector’s growth-promoting role is supported by its ability to…

9

Abstract

Purpose

The purpose of this study is to explore how changes in customer deposits influence the banking profits. The banking sector’s growth-promoting role is supported by its ability to perform the essential function of financial intermediation. However, Islamic banks go the extra mile by balancing the wealth of the rich and the poor and distributing risk more evenly. The effective operation of the services industry, including Islamic banks, depends on the active participation of their customers. Customers’ deposits in their accounts with Islamic banks are a crucial funding source. In actuality, two distinct sorts of demanding customers exist. Their expectations of the services provided by Islamic banks are different.

Design/methodology/approach

Panel quantile regression is applied using the collected data from Islamic banks’ audited financial statements for the time period from 2001 to 2021.

Findings

This study is expected to provide the breakdown of shares of current and saving deposits for Islamic banks, which supports managing liquidity risk. This breakdown will help the policymakers lay down a framework for managing the share of current and saving deposits in their favor.

Research limitations/implications

The study aims to empirically evaluate whether changes in the current and saving account patronization have a role in the liquidity risk. And determine how banks need to manage their deposit structure to manage liquidity.

Originality/value

Previous studies have been nose-dive in providing country-level comparisons of different types of deposits in the context of liquidity risk management.

Details

Journal of Islamic Accounting and Business Research, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 1759-0817

Keywords

Access Restricted. View access options
Article
Publication date: 24 July 2024

Muhammad Mahmudul Karim, Abu Hanifa Md. Noman, M. Kabir Hassan, Asif Khan and Najmul Haque Kawsar

This paper aims to investigate the immediate effect of the outbreak of the COVID-19 pandemic by investigating volatility transmission and dynamic correlation between stock…

103

Abstract

Purpose

This paper aims to investigate the immediate effect of the outbreak of the COVID-19 pandemic by investigating volatility transmission and dynamic correlation between stock (conventional and Islamic) markets, bitcoin and major commodities such as gold, oil and silver at different investment horizons before and after 161 trading days of the outbreak of the COVID-19 pandemic.

Design/methodology/approach

The MGARCH-DCC and maximum overlap discrete wavelet transform -based cross-correlation were used in the estimation of the volatility spillover and continuous wavelet transform in the estimation of the time-varying volatility and correlation between the assets at different investment horizons.

Findings

The authors observed a sudden correlation breakdown following the COVID-19 shock. Oil (Bitcoin) was a major volatility transmitter before (during) COVID-19. Digital gold (Bitcoin), gold and silver became highly correlated during COVID-19. The highest co-movement between the assets was observed at medium and long-term investment horizons.

Practical implications

The study findings have a financial implication for day traders, investors and policymakers in the understanding of volatility transmission and intercorrelation in a bid to actively manage stylized and well-diversified asset portfolios.

Originality/value

This study is unique for its employment in estimating the time-varying conditional volatility of the investable assets and cross-correlations between them at different investment horizons, particularly before and after COVID-19 outbreak.

Details

International Journal of Islamic and Middle Eastern Finance and Management, vol. 17 no. 4
Type: Research Article
ISSN: 1753-8394

Keywords

Access Restricted. View access options
Article
Publication date: 28 November 2024

Ardianto Ardianto, Suham Cahyono, Abu Hanifa Noman and Noor Adwa Sulaiman

This study aims to investigate the extent to which the characteristics of Sharia supervisory boards (SSB) in banking institutions impact the disclosure of information pertaining…

71

Abstract

Purpose

This study aims to investigate the extent to which the characteristics of Sharia supervisory boards (SSB) in banking institutions impact the disclosure of information pertaining to green banking practices.

Design/methodology/approach

A comprehensive dynamic panel data analysis approach was applied to a data set comprising Islamic banks from 15 countries in the Middle East and North Africa (MENA) region, covering the period from 2012 to 2022. In addition, a series of robustness and endogeneity analyses were conducted to ensure the consistency of the main findings.

Findings

This study shows that the characteristics of the SSB significantly impact the green banking disclosure practices of Islamic banks. Specifically, the proportion of board members who hold multiple SSB positions and the presence of foreign board members exhibit a negative and significant effect on green banking disclosure. Conversely, the size of the SSB is positively and significantly associated with green banking disclosure. Thus, the extent of green banking disclosure in Islamic banks is likely to increase with the size of the SSB. However, an increase in board members’ external commitments and a higher proportion of foreign board members are associated with a decline in green banking disclosure. Further analysis supports these findings, confirming their consistency across different contexts.

Research limitations/implications

The findings of this study highlight the critical role that the composition and characteristics of the SSB play in shaping the green banking practices of Islamic banks in MENA countries. These insights provide valuable guidance for policymakers and Islamic financial institutions aiming to strengthen sustainability practices while adhering to Shariah principles. As green banking becomes increasingly crucial in the global financial landscape, optimizing the SSB’s composition could be a key driver in advancing the environmental goals of Islamic banking in the MENA region.

Practical implications

Islamic banks in the MENA region should focus on optimizing their SSB composition to enhance green banking disclosure. Increasing the size of the SSB can positively influence disclosure practices. However, banks should manage board members’ external engagements to ensure they have sufficient focus on green initiatives. Strategic recruitment of foreign members with a commitment to sustainability, coupled with targeted training programs, can further improve disclosure.

Originality/value

Specific SSB characteristics such as size and foreign board members influence disclosure of green banking, which previous studies did not conduct research on.

Details

International Journal of Ethics and Systems, vol. ahead-of-print no. ahead-of-print
Type: Research Article
ISSN: 2514-9369

Keywords

Access Restricted. View access options
Book part
Publication date: 17 June 2024

Anita Tanwar

The purpose of this research is to examine the connections between liquidity risk, credit risk, and bank profitability in India.

Abstract

Purpose

The purpose of this research is to examine the connections between liquidity risk, credit risk, and bank profitability in India.

Methodology

In order to examine the interlinkage between liquidity risk, credit risk, and profitability of banks in India, the researcher has gathered data from all commercial banks in India from 2004–2005 to 2020–2021. The data sources included in this study encompass the International Country Risk Guide, World Development Indicators and Reserve Bank of India (RBI). Seemingly Unrelated Regression (SUR) has been utilised for the study.

Findings

Findings of this research identified that liquidity risk is inversely proportional to credit risk. Return on assets (ROA) and return on equity (ROE) are both impacted negatively by liquidity risk. ROA is impacted positively by credit risk, while ROE is impacted negatively by it. The profitability of banks is harmed by the interaction between liquidity risk and credit risk. It also shows that law and order, are beneficial to bank earnings and risk management. The capital risk-adjusted ratio has a negative relationship with bank profitability, indicating the need for better capital allocation.

Originality

The originality of this work lies in its unique contributions, It emphasises explicitly the Indian context, thereby providing insights tailored to this particular setting. It employs the SUR methodology, a statistical approach allowing for a more comprehensive data analysis. Additionally, it identifies and explores interaction effects, which can shed light on the complex relationships between variables.

Details

Finance Analytics in Business
Type: Book
ISBN: 978-1-83753-572-9

Keywords

Access Restricted. View access options
Article
Publication date: 11 August 2022

Alhassan Turay, Mehdi Seraj and Hüseyin Özdeşer

The degree of responsiveness of fiscal and monetary policy mechanisms that promote growth and development in Sierra Leone is the subject of this article.

252

Abstract

Purpose

The degree of responsiveness of fiscal and monetary policy mechanisms that promote growth and development in Sierra Leone is the subject of this article.

Design/methodology/approach

This article uses both the Auto Regressive Distributed Lag (ARDL) model presented by Hashem and Yongcheol (1998) and the Non-Linear Auto Regressive Distributed Lag (NARDL) model by Shin et al. (2014) to analyze annual time-series data in evaluating the asymmetric effect of real gross domestic product (RGDP), inflation, government expenditure and money supply using annual time-series data for 40 observations over the period 1980–2019.

Findings

The augmented Dickey–Fuller unit root test shows that money supply, government spending and consumer price index are integrated at first difference I (1), while RGDP is stationary at level I (0). The results of the NARDL cointegration test indicate that the variables are cointegrated. The study shows that government expenditure is a positive function of both positive and negative changes. Hence, both positive and negative cumulative sum government expenditures improve economic growth but show a relative weak asymmetric effect with the regressand. This study also reveals that inflation is a negative function of both positive and negative changes with asymmetric effect with the dependent variable. This study shows that the positive change of money supply is statistically insignificant in boosting economic growth, while the negative change positively improves economic growth. Conclusively, this article shows that fiscal policy has a greater and more responsive than monetary policy in promoting growth and development in Sierra Leone. The result of the error correction term of the NARDL model shows a high spend of adjustment of 135% from any disequilibrium of GDP imbalance in the economy.

Originality/value

To address the problem of fiscal dominance in Sierra Leone, this study recommends that fiscal and monetary policies should be coordinated simultaneously and to an appropriate extent to achieve the desired outcome in growth and development.

Details

African Journal of Economic and Management Studies, vol. 14 no. 1
Type: Research Article
ISSN: 2040-0705

Keywords

Access Restricted. View access options
Article
Publication date: 4 November 2020

Ahmed Imran Hunjra, Asad Mehmood, Hung Phu Nguyen and Tahar Tayachi

The authors examine the impact of credit, liquidity and operational risks on the financial performance of commercial banks of South Asia.

2243

Abstract

Purpose

The authors examine the impact of credit, liquidity and operational risks on the financial performance of commercial banks of South Asia.

Design/methodology/approach

Data are extracted from DataStream of 76 commercial banks of four countries, i.e. Pakistan, India, Bangladesh and Sri Lanka for the period 2009–2018. The generalized method of moments (GMM) is used to analyze the results.

Findings

All three risks are significantly associated with financial performance. The authors find that Z-score positively affects the bank performance, whereas the nonperforming loans (NPLs) ratio has a negative impact on financial performance of bank. Liquidity risk analyses show the current and loan-to-deposit (LTD) ratios positively and negatively, respectively, affect financial performance. While operational risk positively affects financial performance. The authors further present the significant effects of joint occurrence of credit and liquidity risks on financial performance.

Practical implications

For managing credit risk, banking management should ensure the policies for granting loans and timely reimbursement of the loan installments from customers. Bank managers should regularly monitor the liquidity position by maintaining the necessary levels of loans and deposits. Management should retain a healthy capital charge to meet operational risks.

Originality/value

Credit, liquidity and operational risks are considered the most important categories of risk which are faced by financial institutions. To the best of the authors’ knowledge, this is the first study which investigates the impact of these risks on banks’ financial performance in selected South Asian countries. The results of this study have relevance and probable generalizability about the impact of risks on the performance of banks in emerging markets.

Details

International Journal of Emerging Markets, vol. 17 no. 3
Type: Research Article
ISSN: 1746-8809

Keywords

1 – 10 of 38
Per page
102050