- Earned PhD in Business Administration from University of Science and Technology of China (USTC). Currently a faculty member at the Institute of Management Silences, University o... moreEarned PhD in Business Administration from University of Science and Technology of China (USTC). Currently a faculty member at the Institute of Management Silences, University of Science and Technology Bannu, KP, Pakistan. Research interests digital banking and finance, technology and information management.edit
Purpose-The purpose of this paper is to investigate the role of followership dimensions in the transformational leadership process by reversing the lens from the traditional leader-centric perspective to emerging followership perspective... more
Purpose-The purpose of this paper is to investigate the role of followership dimensions in the transformational leadership process by reversing the lens from the traditional leader-centric perspective to emerging followership perspective and examine the role of trust as a mediating variable in the proposed relationship. Design/methodology/approach-Using quantitative method data were collected through a questionnaire from 506 respondents of the telecom sector in Pakistan. The proposed hypotheses were tested using SPSS V.23 and PROCESS V.3.
Research Interests:
Islamic personal financing (IPF) is an emerging phenomenon though less investigated area in Islamic finance. IPF, which the Islamic banks offer according to the needs of their customers, has been overlooked especially using a... more
Islamic personal financing (IPF) is an emerging phenomenon though less investigated area in Islamic finance. IPF, which the Islamic banks offer according to the needs of their customers, has been overlooked especially using a comprehensive model(s) in most of the developing Islamic countries. This study closes the gap and examines the factors (i.e., attitude, government support, social influence, pricing, and awareness) that determine the acceptance of Islamic personal financing in Khyber Pakhtunkhwa (KP) province, Pakistan. Relying on the survey, the study used a sample of Islamic banks' customers who were studying or doing a job in higher education institutions. The data were collected through a survey by distributing 600 questionnaires out of which 360 valid responses were used for further analysis. For analyzing the data, the Smart-PLS was used with structural equation modeling to get results of the hypothesized relationships. Results of the present study reveal that social influence, attitude, government support, and awareness have positive and significant effects while pricing has a negative but significant impact on the acceptance of IPF. The findings of this study can be used as a tool for making better policies and right practices of Islamic banks thereby enhancing the IPF in Pakistan.
Research Interests:
The fast-growing phenomenon of electronic banking (e-banking) has taken the world by surprise , and despite its proliferation across the globe, its acceptance has not been too encouraging, especially in the rural areas of the developing... more
The fast-growing phenomenon of electronic banking (e-banking) has taken the world by surprise , and despite its proliferation across the globe, its acceptance has not been too encouraging, especially in the rural areas of the developing countries. This study revolves around this very key issue of e-banking acceptance in the rural areas of Pakistan by employing a comprehensive framework of Unified Theory of Acceptance and Use of Technology (UTAUT), called a unified model by Venkatesh, Morris, Davis, and Davis (2003). This paper extends the unified model through personality openness and investigates the moderation of trust between behavioral intentions and usage behavior. Using a survey-based questionnaire, data were collected from the customers of rural areas of Pakistan. The authors obtained 434 valid responses from universi-ties' students having a rural background and resultantly analyzed through structural equation modeling with Smart-PLS. Our results reveal that performance expectancy, social influence, and effort expectancy have significant and positive impact on behavioral intentions of rural customers in Pakistan. Moreover, we find that personality openness significantly shapes behav-ioral intentions and trust on the internet moderates between customers' intentions and their usage of e-banking. The study broadens the understanding of e-banking in rural areas which might help future researchers and regulators to know and enhance their policy formulation.
Research Interests:
Consumer adoption of mobile-based tourism shopping is an emerging but overlooked area in tourism research. Given the paybacks and potential scope of this new channel, this study attempts to bridge the gap by proposing a multimediation... more
Consumer adoption of mobile-based tourism shopping is an emerging but overlooked area in tourism research. Given the paybacks and potential scope of this new channel, this study attempts to bridge the gap by proposing a multimediation model investigating mobile tourism shopping (MTS) in a developing country, Pakistan. In particular, we applied structural equation modeling through partial-least-squares structural equation modeling (PLS-SEM) on 396 responses collected from mobile respondents who recently purchased tourism products using a mobile device(s). It was discovered that social presence, directly and indirectly, influences tourist intentions towards MTS. e results further show that the tourists' perception of compatibility and relative advantages of MTS have insignificant influence on their intention to accept a mobile device(s) for tourism shopping. e findings and implications of the study furnish new vistas to research discourse and managerial significance. Economically, this research contributes to knowledge that could increase income and create jobs in the host country.
Research Interests:
Efficiency analysis is a vital part of prudent management practices across the banking industry, yet there is only sparse literature examining bank efficiency, especially in Asian developing countries and using a comprehensive... more
Efficiency analysis is a vital part of prudent management practices across the banking industry, yet there is only sparse literature examining bank efficiency, especially in Asian developing countries and using a comprehensive methodology. This study aims to analyze bank efficiency in a South Asian developing country, Pakistan, for the period 2007 to 2014. Borrowing a technique from Simar and Wilson (2007), this study applies two-stage data envelopment analysis (DEA) with double bootstrapping. Our results reveal that private banks are more technically efficient than government banks; conventional commercial banks precede Islamic commercial banks in efficiency, and large banks are more technically efficient than small and medium-size banks. Moreover, the results indicate that market concentration, capital risk, credit risk, and liquidity risk have significant effects on the overall efficiency of banks. This study provides an important opportunity to advance the understanding of bank efficiency, market concentration, and risk complications in developing countries and gives insightful directions to researchers and financial institutions.
T h i s a r t i c l e d e s c r i b e s h o w p h y s i c i a n s i n d e v e l o p i n g c o u n t r i e s s p e n d m u c h t i m e a n d e f fo r t i n h a n d l i n g m a n u a l p r e s c r i p t i o n s... more
T h i s a r t i c l e d e s c r i b e s h o w p h y s i c i a n s i n d e v e l o p i n g c o u n t r i e s s p e n d m u c h t i m e a n d e f fo r t i n
h a n d l i n g m a n u a l p r e s c r i p t i o n s , w h i c h c a n b e e a s i l y r e d u c e d w i t h t h e h e l p o f o n l i n e t e c h n o l o g y.
A l t h o u g h d i f fe r e n t t h e o r e t i c a l m o d e l s fo r t e c h n o l o g y a c c e p t a n c e h ave b e e n t h o r o u g h ly ex p l o r e d ,
t h e r e i s a s y e t s p a r s e l i t e r a t u r e r e g a r d i n g i t s u s e i n t h e c o n t e x t o f h e a l t h c a r e i n d e v e l o p i n g
c o u n t r i e s , e s p e c i a l l y w i t h i n n o v a t i v e m o d e l s . T o t h i s e n d , t h i s a r t i c l e u s e s a n i n t e g r a t i v e
m o d e l o f U n i f i e d T h e o r y o f A c c e p t a n c e a n d U s e o f Te c h n o l o g y ( U TA U T ) e x t e n d e d b y
p e r c e i v e d c r e d i b i l i t y t o b e t t e r u n d e r s t a n d t h e a c c e p t a n c e o f e - p r e s c r i b i n g a m o n g p h y s i c i a n s i n
a d e v e l o p i n g A s i a n c o u n t r y. I n a d d i t i o n , t h e a r t i c l e u s e s p e r c e i v e d o r g a n i z a t i o n a l s u p p o r t a s a
m o d e r a t o r b e t w e e n b e h av i o r a l i n t e n t i o n s a n d u s a g e o f t e c h n o l o g y. U s i n g a s u r v e y m e t h o d , t h e
a r t i c l e c o l l e c t s d a t a f r o m 2 9 5 p h y s i c i a n s i n t h e c a p i t a l c i t y o f P a k i s t a n a n d a n a l y z e s t h e d a t a
t h r o u g h s t r u c t u r a l e q u a t i o n m o d e l i n g ( S E M ) t o e v a l u a t e r e l a t i o n s h i p s a m o n g t h e i d e n t i f i e d
c o n s t r u c t s . T h e a u t h o r s ’ r e s u l t s s u p p l y e m p i r i c a l e v i d e n c e t h a t p e r f o r m a n c e e x p e c t a n c y,
e f fo r t e x p e c t a n c y, f a c i l i t a t i n g c o n d i t i o n s , s o c i a l i n f l u e n c e , a n d p e r c e i v e d c r e d i b i l i t y a l l h av e
a p o s i t i v e a n d s i g n i f i c a n t i m p a c t o n p h y s i c i a n s’ b e h av i o r a l i n t e n t i o n s t o a d o p t e - p r e s c r i b i n g .
T h e a r t i c l e a l s o c o n c l u d e s t h a t t h e h i g h e r t h e p e r c e i v e d o r g a n i z a t i o n a l s u p p o r t , t h e h i g h e r t h e
u s e o f e - p r e s c r i b i n g . T h e s t u d y e n r i c h e s t h e o r y a n d p r a c t i c e b y g i v i n g i m p l i c a t i o n s fo r b o t h
a c a d e m i c i a n s a n d p r a c t i t i o n e r s .
h a n d l i n g m a n u a l p r e s c r i p t i o n s , w h i c h c a n b e e a s i l y r e d u c e d w i t h t h e h e l p o f o n l i n e t e c h n o l o g y.
A l t h o u g h d i f fe r e n t t h e o r e t i c a l m o d e l s fo r t e c h n o l o g y a c c e p t a n c e h ave b e e n t h o r o u g h ly ex p l o r e d ,
t h e r e i s a s y e t s p a r s e l i t e r a t u r e r e g a r d i n g i t s u s e i n t h e c o n t e x t o f h e a l t h c a r e i n d e v e l o p i n g
c o u n t r i e s , e s p e c i a l l y w i t h i n n o v a t i v e m o d e l s . T o t h i s e n d , t h i s a r t i c l e u s e s a n i n t e g r a t i v e
m o d e l o f U n i f i e d T h e o r y o f A c c e p t a n c e a n d U s e o f Te c h n o l o g y ( U TA U T ) e x t e n d e d b y
p e r c e i v e d c r e d i b i l i t y t o b e t t e r u n d e r s t a n d t h e a c c e p t a n c e o f e - p r e s c r i b i n g a m o n g p h y s i c i a n s i n
a d e v e l o p i n g A s i a n c o u n t r y. I n a d d i t i o n , t h e a r t i c l e u s e s p e r c e i v e d o r g a n i z a t i o n a l s u p p o r t a s a
m o d e r a t o r b e t w e e n b e h av i o r a l i n t e n t i o n s a n d u s a g e o f t e c h n o l o g y. U s i n g a s u r v e y m e t h o d , t h e
a r t i c l e c o l l e c t s d a t a f r o m 2 9 5 p h y s i c i a n s i n t h e c a p i t a l c i t y o f P a k i s t a n a n d a n a l y z e s t h e d a t a
t h r o u g h s t r u c t u r a l e q u a t i o n m o d e l i n g ( S E M ) t o e v a l u a t e r e l a t i o n s h i p s a m o n g t h e i d e n t i f i e d
c o n s t r u c t s . T h e a u t h o r s ’ r e s u l t s s u p p l y e m p i r i c a l e v i d e n c e t h a t p e r f o r m a n c e e x p e c t a n c y,
e f fo r t e x p e c t a n c y, f a c i l i t a t i n g c o n d i t i o n s , s o c i a l i n f l u e n c e , a n d p e r c e i v e d c r e d i b i l i t y a l l h av e
a p o s i t i v e a n d s i g n i f i c a n t i m p a c t o n p h y s i c i a n s’ b e h av i o r a l i n t e n t i o n s t o a d o p t e - p r e s c r i b i n g .
T h e a r t i c l e a l s o c o n c l u d e s t h a t t h e h i g h e r t h e p e r c e i v e d o r g a n i z a t i o n a l s u p p o r t , t h e h i g h e r t h e
u s e o f e - p r e s c r i b i n g . T h e s t u d y e n r i c h e s t h e o r y a n d p r a c t i c e b y g i v i n g i m p l i c a t i o n s fo r b o t h
a c a d e m i c i a n s a n d p r a c t i t i o n e r s .
Research Interests:
The massive growth in digital devices and communication has spotlighted the wisdom of doing financial transactions through online banking. In developing Asian economies, online banking technology can strengthen financial systems by... more
The massive growth in digital devices and communication has spotlighted the wisdom of doing financial transactions through online banking. In developing Asian economies, online banking technology can strengthen financial systems by developing a solid connection between financial institutions and the local populace. Technology acceptance studies are under-researched in this region, especially with innovative models. Filling the gap, this paper uses a comprehensive model of extended Unified Theory of Acceptance and Use of Technology (UTAUT2), moderated by cultural variables. This will provide new insights into the determinants of technology acceptance by considering cultural effects on individual customers. The authors analyzed the model through structural equation modeling. The results validated performance expectancy, facilitating conditions, habit, perceived security, and price value as important antecedents of behavioral intentions. The cultural dimensions, collectivism, and uncertainty avoidance were found to be significant moderators in explaining behavioral intention and usage behavior for online banking.