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Despite internet banking’s popularity, there is a rise in phishing attacks related to online banking transactions. Phishing attacks involved the process of sending out electronic mails impersonating the valid banking institutions to their customers and demanding confidential data such as credential and transaction authorisation code. The purpose of this paper is to propose a theoretical model of individual and technological factors influencing Malaysian internet banking users’ intention in responding to malicious uniform resource locator (URL) in phishing email content.

It applied the protective motivation theory, the theories of reasoned action and planned behaviour, the habit theory and the trust theory to examine the factors influencing internet banking users’ intention to click URLs in phishing emails. The study identifies individual and technological factors with ten hypotheses. A total of 368 Malaysian respondents voluntarily participated in an online survey conducted in the first week of March 2021. The partial least squares method provided in SmartPLS-3 was used to model the data.

The results revealed that individual factors, namely, internet banking experience, understanding the phishing meaning, response cost, trust and perceived ability were the significant influencing factors of internet banking users’ intention to click the link in phishing emails. This study also suggested that technological factors were not relevant in describing the behavioural intention of internet banking users in clicking the links in phishing emails.

The findings could contribute to Malaysian banking sectors and relevant government agencies in educating and increasing internet banking users’ awareness towards phishing emails.

The outcomes demonstrated the individual factors that influenced internet banking users’ intention in responding to phishing emails that are specific and relevant to Malaysia’s context.

The purpose of this study is to find out the level of influence of Islamic attributes and pull motivation to the satisfaction of Muslim tourists visiting Indonesia. Furthermore, this study may reveal where variables have a strong influence on the variable satisfaction of Muslim tourists. In addition, this study also wanted to know if Islamic attributes can influence the satisfaction of Muslim tourists with pull motivation as a moderating variable.

Using quantitative methods, this study analyzed the results of questionnaires that have been distributed to 200 Muslim tourist respondents who have visited Indonesia. To declare the hypotheses, the collected data were analyzed with structural equation modeling-partial least square using SmartPLS application version 3.2.7.

From this study, it was discovered that pull motivation has more effect on the satisfaction of Muslim tourists visiting Indonesia. Other results showed that both Islamic attributes and pull motivation simultaneously affect the satisfaction of Muslim tourists. Furthermore, Islamic attributes can affect pull motivation and pull motivation can also become an intermediary variable in bridging the impact of Islamic attributes on the satisfaction of Muslim tourists.

The limitations of this study include the relatively small sample used and not yet taking foreign tourists as respondents. Besides that, you can also add several variables to complement this research in the future either as an intervening variable or a mediator variable.

To increase the satisfaction of Muslim tourists traveling to Indonesia, policymakers in Indonesia must further improve the facilities of the pull motivation aspect such as the cleanliness of tourist attractions, exotic locations and hygienic shopping centers. In addition, aspects of Islamic attributes must also be updated, such as aspects of adequate worship facilities and tourist attractions that apply the concept of halal for Muslims.

The originality of this study on the pull motivation variable as an intervening variable and adding the Islamic attribute variable in the case of Muslim tourist satisfaction.

The purpose of this study is to examine the impact of brand familiarity and profit-sharing rate on Muslim customers’ brand trust, perceived financial risk, perceived value and intention to invest in an Islamic bank.

A between-subjects experimental design was applied in the study. Six experiments involving two brand familiarity levels and three profit-sharing rates were conducted using a total of 217 samples. Randomization was applied in the study, which generated unequal sample sizes for each group of experiments.

The findings of this experimental study demonstrated that Muslim customers’ familiarity with the bank’s brand has a significant impact on their brand trust and intention to invest in an Islamic bank. The study also found that the profit-sharing rate has a significant impact on the perceived value both with and without interaction with brand familiarity.

The current study applies an independent measured design or a between-subjects experimental design, that resulted in unequal sample sizes. In addition, the study also does not control for the types of bank accounts owned by respondents. The design may invite the presence of confounding variables that exist due to individual differences and environmental variables.

The results show that Islamic bank managers should care about the brand familiarity issue, which strongly influences customers’ brand trust and customer intention to invest in an Islamic bank. In addition, Islamic bank managers should pay attention to the profit-sharing rate given to customers, as it interacts with brand familiarity in influencing customers’ perceived value.

This study examined the impact of brand familiarity and profit-sharing rate on Muslim consumers’ brand trust, perceived risk, perceived value and intention to save in an Islamic bank. The paper provides a shred of empirical evidence to the theoretical relationship between the subjective and objective cues that influence the formation of customers’ trust, perceived financial risk, perceived value and intention in the Islamic bank context.

The purpose of this study is to examine the impacts of product knowledge, perceived quality, perceived risk and perceived value on customers’ intention to invest in Islamic Banks. This study specifically examines an Islamic bank’s term deposits.

Structural equation modeling was used to analyze the data collected from 217 customers of an Islamic bank in Indonesia using an online survey.

This study highlights the central and dual roles of perceived risk as both the independent and the intervening variable that mediates the relationship between product knowledge and Muslim customer intention to invest in an Islamic bank’s term deposits.

This study only investigates term deposits as one type of investment in Islamic banks. This study contributes to the literature by examining the role of product knowledge, perceived quality, perceived risk and perceived value on Muslim customer intention to invest in Islamic term deposits.

The results of this study highlight the requirement for Islamic banks to educate customers to improve the depositors’ product knowledge because Muslim customers’ risk and value perception and intention are strongly influenced by product knowledge.

The investigation of perceived risk is particularly relevant for Islamic financial products because of the inherent nature of risk sharing in Islamic finance. This study investigates the role of product knowledge in influencing the Muslim customers’ perception of risk, quality, value and their intention to invest in Islamic bank term deposits. Ideally, the profit loss sharing concept (PLS) should be applied; however, in this context, revenue sharing is applied because of Indonesia’s central bank regulation.

Previous studies have identified concerns and anxiety in individuals who are without their mobile phones, which is known as nomophobia, an acronym for “no mobile phone phobia.” However, there is currently limited evidence of qualitative research that explores nomophobia. The purpose of this study is to explore personal experiences and individual meanings associated with mobile phone use and nomophobia.

To address this gap, the present study employed a Heideggerian phenomenological approach to investigate the issue. Ten college students, who have medium to high nomophobia were selected as respondents. Semi-structured interviews were conducted to collect data, which were then transcribed verbatim and analyzed using reflexive thematic analysis.

A deep understanding of the psychological dynamics, experiences, meanings, perceptions and beliefs of individuals regarding smartphone use can only be explored through a qualitative approach that presents personal statements of individuals through in-depth semi-structured interviews. This study contributes to a deep understanding of the psychological dynamic of nomophobia.

This study has limitations that must be carefully considered. First, the respondents came from a university with a sample size of 10 people, which may not fully represent the phenomenon of nomophobia among students due to differences in cultural and academic backgrounds. However, we addressed this limitation by selecting only students who scored moderate to high levels of nomophobia. Second, the researchers acknowledge that the sample used in the study may not be fully representative of the broader target population or a larger group, as previously mentioned. Therefore, generalizing the findings of this research must be done carefully, being cautious and thoughtful to avoid hasty conclusions.

In the functional context, it is recommended for individuals to be more mindful of their smartphone usage and strive to strike a balance between utilizing their device's capabilities for productive purposes and avoiding excessive dependency that may lead to distractions or information overload. This includes limiting excessive smartphone usage for entertainment purposes, restricting aimless and irrelevant Internet browsing and implementing effective time management when using smartphones. For smartphone users from the ontological context, the advice is to critically evaluate their digital presence and ensure that their online activities align with their true values and self-perception, promoting responsible and ethical smartphone use. Engaging in fasting or break sessions by completely turning off the smartphone at specific times and utilizing that time for activities such as reading books, writing and engaging in spiritual practices, or exercising is also advisable. In the anthropomorphic context, individuals are advised to reflect on the potential emotional dependence on their smartphones and consider establishing healthy boundaries to avoid excessive reliance on these devices to fulfill emotional needs. One practical recommendation is to engage in self-reflection, where individuals take some time to ponder their smartphone usage patterns and emotional attachment to the device. They should ask themselves why they feel the need to constantly check their phone and how it impacts their emotions and overall well-being.

This study contributes to a deep understanding of the psychological dynamics of nomophobia by exploring the experiences, meanings, perceptions, and beliefs of individuals regarding smartphone use.

In today’s business world, adopting social commerce for day-to-day operations has increasingly become an important phenomenon. Several factors have been identified by previous researchers regarding the adoption of social commerce, but academic research is scarce on the relationship between the factors influencing social commerce adoption and small and medium-sized enterprises (SMEs) in the post-COVID-19 situation. This study aims to identify the impact of technological, environmental and entrepreneurial factors on the adoption of social commerce by SMEs in Sri Lanka.

A quantitative study utilised the deductive approach and collected data through a field survey by distributing a five-point Likert scale questionnaire to conveniently selected respondents from Sri Lankan SMEs. Structural equation modelling (SEM) was used for the analysis of 384 responses.

The results revealed that technological factors [technology availability (TA) and cost-effectiveness (CE)], environmental factors [bandwagon effect (BE)] and entrepreneurial factors [attitude (AT), innovativeness (IN) and IT knowledge (IK)] have a significant impact on the social commerce adoption of SMEs in Sri Lanka. This study, as the first of its type, offers insightful information on the influence of variables on the adoption of social commerce after the COVID-19 pandemic.

Similar to any research, this study also has inherent limitations. Due to time and financial restrictions, the study’s convenience sampling method was adopted. The study’s possible limitation is its narrow focus, which could mean that it only examines a select few social media (SM) networks. The study’s conclusions might be less generalised since it focused on the western province of Sri Lanka. Future studies should take a cross-cultural strategy to explore the influence of social commerce adoption to improve the generalisability of research findings.

This study provides an in-depth assessment of critical factors, facilitating policymakers, owners, leaders and managers (decision-makers) to gain insight into the real influencing factors on social commerce adoption and the significance of SM. The study helps them comprehend how outstanding governance and knowledge of influencing factors can boost SME success in various ways. For example, research reveals that various factors have a major influence on social commerce adoption.

There has been limited research conducted on social commerce adoption after the COVID-19 pandemic period; thus, this study looked at the variables influencing it amongst SMEs in a South Asian developing country like Sri Lanka after the pandemic lasted for two years. By placing a strong emphasis on the role of entrepreneurial characteristics and the available technology within one single framework in the context of SMEs and their involvement with social commerce adoption, this study contributes to the past literature by emphasising the role of several significant factors in SMEs' adoption of social commerce. Whilst previous studies looked at multiple factors influencing the adoption of social commerce globally, this study focussed on how these factors have a significant impact on SMEs in Sri Lanka.

This study developed a multi-perspective framework combining technological, environmental and entrepreneurial factors influencing SMEs to adopt social commerce. The study provides a contribution to the literature on social commerce adoption from the perspective of SMEs in a developing country like Sri Lanka after COVID-19. Exclusively, it examines the impact of entrepreneur-related factors on social commerce adoption.

This paper aims to investigate the relationship between market orientation and innovative marketing strategies and the effect of innovative marketing strategies on the performance of agro-food manufacturers.

Systematic random sampling was used, and semi-structured interviews were conducted with 380 agro-food manufacturers. Several statistical analyses, including Pearson correlation analysis and logistic regression analysis, were used to analyze the relationship between market orientation and innovative marketing strategies, and the effect of innovative marketing strategies on the performance of agro-food manufacturers.

All dimensions of market orientation – customer orientation, competitor orientation and inter-functional coordination – have significant relationships with innovative marketing strategies (product, price, promotion and distribution), while customer orientation and promotion showed a very strong relationship among other variables measured. Innovative marketing strategies, specifically promotion, had the most effect on the performance of agro-food manufacturers.

The sample for this study was selected among agro-food manufacturers in major locations in Peninsular Malaysia. Hence, the findings may only give an initial overview of the current state of the agro-food manufacturers.

This study highlighted the significance of market orientation and innovative marketing strategies for the betterment of performance in the agro-food manufacturing sector.

This study aims to investigate the determinant factors of Islamic financial literacy (IFL) of the Z generation in Indonesia. As the role of family and social influence play an important role in shaping a person’s character, behavior and understanding, especially for the young generation in Indonesia, so this study proposed communication pattern in the family, financial socialization in family and social influence along with religiosity and sociodemographic factors as determinant factors of the IFL in Indonesia.

This study applied survey method with online questionnaire. There are 978 respondents from various provinces in Indonesia who were participated in this study. Then, data were analyzed by using Structural Equation Model.

Based on data analysis, this study found that communication pattern in the family, social influence, religiosity and sociodemographic factors have a significant influence on the IFL. Meanwhile, financial socialization in the family has no significant influence on IFL.

The results can be useful for Indonesian government especially in making decision and policy to encourage the increase in IFL in Indonesia.

This study has a theoretical contribution in providing comprehensive framework regarding the relationship between IFL and its underlying factors such as individual factors, family and social factors. In addition, this study also focused on the IFL of generation Z − an aspect that has been overlooked in previous studies.

The purpose of this study is to examine the role of leader and organisational credibility in influencing customers’ intention to support Islamic social enterprises.

The credibility of the leader and that of the social enterprise are exposed through advertising. Ads portraying the six largest Islamic social enterprises in Indonesia and their social entrepreneur leaders were shown to 221 existing customers via online and offline surveys.

The findings indicate that organisational credibility and organisational branding have much greater influence than leaders’ personal credibility on customers’ intention to support Islamic social enterprises.

The study has highlighted the greater role of organisational credibility and branding over advertising in attracting support for Islamic social entrepreneurship.

Islamic social enterprises need to develop a trusted brand and establish a more effective way to communicate with their stakeholders besides advertising, as the impact of ads on customer support intention is not significant.

The study contributes to the field of marketing and social entrepreneurship by providing empirical results on the Islamic social entrepreneurship phenomenon.

This research aimed to analyze the causality between the four perspectives in the balanced scorecard (BSC) performance and to analyze the different performance of the four perspectives for the two group schools studied.

Quantitative data were processed using Smart PLS 0.3 and an independent sample t-test. Qualitative data collected using open questionnaires on performance achievement strategies and constraints were analyzed using the Leximancer 4.51.

Results showed that innovation and learning performance influenced financial performance and internal business performance. However, innovation and learning performance did not affect customer satisfaction performance. Internal business performance affected financial performance. However, internal business performance did not influence customer satisfaction performance. Customer satisfaction performance did not influence financial performance. Customer satisfaction performance did not mediate the relationship between innovation and learning performance and financial performance. Internal business performance mediated the relationship between innovation and learning performance and financial performance. The two school groups exhibited differing innovation and learning performance, with no difference for the other three perspectives.

The implication of the study is the necessity to create synergy between all parties (school and authorities) to optimize school performance. Improvement in financial performance, especially related to transparency and accountability, will help to improve stakeholders' trust in schools. The government can use the BSC to evaluate public school performance to achieve comprehensive assessment results.

The use of the four perspectives in the BSC performance since public schools in Indonesia have never implemented it.