Muhammad Yar Khan

In this study, a new conceptual model of digital wallet adoption is introduced and examined. The model is extended with additional dimensions, namely, “financial empowerment, gamification, social visibility, status signalling, eco-friendliness and digital trust” developed in consumer behaviour. These constructs have been examined, and the mediating effects of consumer well-being and digital trust are tested. The conceptual design of the model is based on the logic of trust theory, privacy calculus, and consumer empowerment. Across all aspects, financial empowerment and gamification stimulate customers’ well-being, while the balance of social visibility, status signalling, is accountable for digital trust. Environmental consciousness was expected to influence adoption intention. This study proposes to test the model empirically using structural equation modelling on a sample of survey responses collected from active digital wallet users. Financial empowerment and gamification first affect financial well-being or consumer well-being, which positively leads to adoption intention. The other group, including social visibility, status signalling, and digital trust, is expected to moderate digital trust as a mediator of adoption. Environmental awareness is anticipated to increase digital wallet usage and is a supportive sign of sustainability in the fintech field. It offers practical implications for fintech adopters as the inventiveness driver to adoption, especially via positive extreme gamification design, advertisement of obvious advantages of status, and incorporation of eco-labelling mechanisms into their offerings. Enhancing trust in digital wallets through transparent information via transparent information and features that can be adjusted will support their long-lasting usage. This study contributes to the literature by incorporating previously underexplored factors, such as environmental consciousness, gamification, and social visibility, into the digital wallet adoption role. By integrating consumer well-being and digital trust mediations, this study contributes to the theoretical and practical evolution of digital wallet users.

Introduction: This paper explores how the gender and diversity of leadership, as well as institutional context, influence crisis strategies and brand equity resilience across the UK and Saudi Arabia. Methods: The study has used upper echelons and role congruity theories, a mixed-methods explanatory sequential design integrated survey data from 298 firms with interviews from 32 executives. Results: Structural equation modeling analysis indicated that female leadership and financial austerity were found to be positive drivers of marketing investment and empathetic communication which mediated the indirect relationship between these two factors and brand equity resilience. Gender-diverse leadership teams exhibited higher brand resilience than did single-gender teams and the institutional context moderated these relationships with the UK showing sharper gender differences rather than Saudi Arabia. Qualitative findings shed light on how gendered communication and context-specific norms influence decision-making in crises. Discussion: The results highlight that it is marketing and stakeholder communication to maintain activity, not austerity, that will protect brand equity. Organizations should promote a gender-balanced leadership, and empathetic communication to enhance the resilience of businesses in economic recessions.

The aim of this study is to explore the impact of political news posts, interactive discussion factors, and uncivil comments on participants’ online incivility. The moderating effects of cognitive and affective involvement have also been considered. The data have been gathered using self-administered questionnaires from 458 respondents. The results indicate that political news posts having interactive discussion factors positively impacts the online uncivil behaviour of the participants. The uncivil comments initiated by other users also significantly impact the participants’ incivility. The data have also been analysed for the mediation effects. The construct of affective involvement emerged as an effective mediator as compared to cognitive involvement. This study posits several theoretical implications for the literature. The combination of the variables used is also rare in the literature. The findings of this study are useful for behavioural scientists, as the outcomes have a potential to predict the online behaviour of Pakistani users.

The purpose of this study is to identify whether financially constrained firms use trade credit (payables and receivables) as a channel to finance their operations. The previous literature mainly investigated the role of trade credit in various aspects of a firm’s performance. We argue that, since firms with limited financial capabilities usually have limited or no access to the long-term debt market, they can better be expected to rely on short-term financing, such as trade credit. We use Kaplan and Zingales index (KZ Index 1997) to measure the level of firms’ financial constraints. The fixed-effects panel regression methodology was applied to a sample of non-financial firms listed on Pakistan Stock Exchange over eleven years from 2009 to 2019. The results of this article show that financially constrained firms use trade credit as a financing channel for their operations. We further found that firms with higher profit margins use more trade credit while those that have higher assets turnover use fewer loans.

Purpose: The purpose of this study is to examine the Impact of exchange rate on Macro-Economic Indicators. Design and Methodology: For this study data was collected from different source such as World development Indicator, International Statistic among others. Partial Least Square analysis has been used on data from 2005 to 2020 for Asian Countries. Findings: The results indicates that trade is more significant than FDI in Asian regions. More specifically, trade has a significant relationship while FDI has no significant relationship in Asian Countries. However, both variables have a significant relationship with exchange rate in case of Pakistan. Implications: The world is constantly facing the rapid downturn after covid-19 pandemic, this downturn has abruptly affected the investors’ sentiments to invest in underdeveloped countries. The study will facilitate the policy makers in formulation of new economic policies. In order to increase inflow of FDI and international trade, it is beneficial to have lowest exchange rate fluctuations. Further, the investors and traders can design their strategies by considering the fluctuation in exchange rate of these countries.