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Dr. Aijaz Shaikh
University of Jyväskylä

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0 Consumer Behavior
0 Digital Marketing
0 Mobile Payments
0 sharing economy
0 Mobile financial services

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Consumer Behavior
sharing economy
Mobile financial services

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Journal article
Published: 12 June 2021 in Telematics and Informatics
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This study aimed to identify and explain different facets of the sharing economy and to differentiate between micro- and macro-mobility services. We also aimed to examine the correlation between the sharing economy and subjective well-being, cultural beliefs, and COVID-19. An exploratory research technique with face-to-face semi-structured interviews was used to collect data from a sample of 22 rideshare app users in a developing country between January and May 2020 and in July 2020. The data were analyzed using the NVivo 12 application. The major findings suggest that, considering their scope and use, sharing economy technology and services can be divided into four major domains: (1) hospitality and dining, (2) retail and consumer goods, (3) media and entertainment, and (4) automotive and transportation. In ridesharing services, the well-being of users is influenced (and suppressed) by eight factors. In addition, socio-cultural beliefs are prevalent in developing markets, and the impact of COVID-19 on the sharing economy is evident. However, the pandemic has promoted the use of micro-mobility services. This study, which contributes to the existing knowledge on the theory of subjective well-being and cultural beliefs, has major theoretical and managerial implications and offers a rich future research agenda.

ACS Style

Majed Alharthi; Hawazen Alamoudi; Aijaz A. Shaikh; Maqsood H. Bhutto. “Your ride has arrived” – Exploring the nexus between subjective well-being, socio-cultural beliefs, COVID-19, and the sharing economy. Telematics and Informatics 2021, 63, 101663 .

AMA Style

Majed Alharthi, Hawazen Alamoudi, Aijaz A. Shaikh, Maqsood H. Bhutto. “Your ride has arrived” – Exploring the nexus between subjective well-being, socio-cultural beliefs, COVID-19, and the sharing economy. Telematics and Informatics. 2021; 63 ():101663.

Chicago/Turabian Style

Majed Alharthi; Hawazen Alamoudi; Aijaz A. Shaikh; Maqsood H. Bhutto. 2021. "“Your ride has arrived” – Exploring the nexus between subjective well-being, socio-cultural beliefs, COVID-19, and the sharing economy." Telematics and Informatics 63, no. : 101663.

Journal article
Published: 31 May 2021 in Journal of Financial Services Marketing
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This qualitative study examines the implications of the COVID-19 pandemic on the implementation of market orientation (MO) in the context of retail banking. The findings show that MO was significantly reflected in the behaviors of banks upon encountering the COVID-19 situation, with the banks increasing their MO in response to the crisis. This study finds subcategories based on the empirical data that explain the implementation of MO in more detail. Overall, the findings provide valuable conceptual and managerial insights into the modus operandi of banks during a crisis and offer new best practices for the banking industry.

ACS Style

Hannele Haapio; Joel Mero; Heikki Karjaluoto; Aijaz A. Shaikh. Implications of the COVID-19 pandemic on market orientation in retail banking. Journal of Financial Services Marketing 2021, 1 -10.

AMA Style

Hannele Haapio, Joel Mero, Heikki Karjaluoto, Aijaz A. Shaikh. Implications of the COVID-19 pandemic on market orientation in retail banking. Journal of Financial Services Marketing. 2021; ():1-10.

Chicago/Turabian Style

Hannele Haapio; Joel Mero; Heikki Karjaluoto; Aijaz A. Shaikh. 2021. "Implications of the COVID-19 pandemic on market orientation in retail banking." Journal of Financial Services Marketing , no. : 1-10.

Preface
Published: 06 May 2021 in Electronic Markets
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ACS Style

Ravi S. Sharma; Aijaz A. Shaikh; Eldon Li. Designing Recommendation or Suggestion Systems: looking to the future. Electronic Markets 2021, 1 -10.

AMA Style

Ravi S. Sharma, Aijaz A. Shaikh, Eldon Li. Designing Recommendation or Suggestion Systems: looking to the future. Electronic Markets. 2021; ():1-10.

Chicago/Turabian Style

Ravi S. Sharma; Aijaz A. Shaikh; Eldon Li. 2021. "Designing Recommendation or Suggestion Systems: looking to the future." Electronic Markets , no. : 1-10.

Journal article
Published: 02 April 2021 in The International Journal of Management Education
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A growing body of knowledge has confirmed that the journal peer-review process is an integral part of the scientific publication process and provides demonstrable benefits to journal editors and authors. This study aims to develop doctoral students' understanding of the journal peer-review process and highlight the most common errors and pitfalls reviewers identify in novice authors’ manuscripts, which could lead to rejection. A qualitative content analysis research method was used to analyse the primary data as experience collected from senior researchers, editors and associate editors. Among the major contributions of this study is an interactive diagram that provides an overview of the journal peer-review process and identifies the common pitfalls in manuscripts, as well as a comprehensive manuscript submission checklist.

ACS Style

Payam Hanafizadeh; Aijaz A. Shaikh. Developing doctoral students' / researchers’ understanding of the journal peer-review process. The International Journal of Management Education 2021, 19, 100500 .

AMA Style

Payam Hanafizadeh, Aijaz A. Shaikh. Developing doctoral students' / researchers’ understanding of the journal peer-review process. The International Journal of Management Education. 2021; 19 (2):100500.

Chicago/Turabian Style

Payam Hanafizadeh; Aijaz A. Shaikh. 2021. "Developing doctoral students' / researchers’ understanding of the journal peer-review process." The International Journal of Management Education 19, no. 2: 100500.

Journal article
Published: 08 March 2021 in Sustainability
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This paper introduces the idea of data-driven narratives to examine how the use of information, communications, and media technologies (ICMTs) impacts the sustainable growth of economies. While ICMTs have regularly been advocated as a policy tool for growth and development, there is a research gap in empirical studies validating how such policies may be effective. This analysis is based on historical panel data from 39 economies across the developed North (19) and developing South (20). The industry-standard Cross-Industry Standard Process for Data Mining (CRISP-DM) methodology was applied to construct narratives that weave extant theories with empirical data. The art of developing data-driven narratives is rarely addressed in previous research articles. In the narrative approach, prior research on how ICMTs and sustainable growth are quantitatively scored and measured is reviewed. Panel data from authoritative sources such as the United Nations, World Economic Forum, and Sustainable Society Index were collected, cleansed, and conglomerated for data analytics. This was followed by evidence-based reasoning to examine any possible relationships between ICMT development and the sustainable growth of economies across the “North” and “South”. The findings reveal that there are differentiated outcomes in sustainable growth in high- and low-income economies. This poses legitimate questions as to whether low-income economies will be able to meet the UN’s Sustainable Development Goals by 2030 through the intermediation of ICMTs. It is the intended contribution of this paper to exemplify how data-driven narratives using CRISP may construct rich stories about ICMT for sustainability for the purposes of sharing good practice as well as lessons learned.

ACS Style

Ravishankar Sharma; Aijaz Shaikh; Stephen Bekoe; Gautam Ramasubramanian. Information, Communications and Media Technologies for Sustainability: Constructing Data-Driven Policy Narratives. Sustainability 2021, 13, 2903 .

AMA Style

Ravishankar Sharma, Aijaz Shaikh, Stephen Bekoe, Gautam Ramasubramanian. Information, Communications and Media Technologies for Sustainability: Constructing Data-Driven Policy Narratives. Sustainability. 2021; 13 (5):2903.

Chicago/Turabian Style

Ravishankar Sharma; Aijaz Shaikh; Stephen Bekoe; Gautam Ramasubramanian. 2021. "Information, Communications and Media Technologies for Sustainability: Constructing Data-Driven Policy Narratives." Sustainability 13, no. 5: 2903.

Earlycite article
Published: 05 January 2021 in International Journal of Bank Marketing
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Purpose This study develops a theoretical model of consumption values regarding the technology adoption of mobile banking (m-banking) services, with the financial service sector as the empirical context. This study aims to evaluate whether consumption values influence trust and intention. Furthermore, the authors explore how the consumer type (i.e. urban vs rural) differs in consumption values regarding adopting m-banking services. Design/methodology/approach The data for this study were gathered from 246 responses collected from individuals living in a country with a developing market, using a survey instrument. The six study hypotheses were tested using partial least squares structural equation modeling. Findings The authors found support for effects from functional, epistemic and emotional value on intention. Functional and emotional value significantly influenced trust, while social and epistemic value did not. Social value was a significant moderator between functional value and intention. Consumers who were relatively unconcerned with social value were more motivated by functional value, while consumers who placed great emphasis on social value were motivated by epistemic value. Multigroup analysis showed that the effect from functional value on trust was stronger for urban than rural customers, while the effect from emotional value on trust was stronger for rural than urban customers. Practical implications Overall, functional value is the strongest predictor of trust and intention; therefore, bank managers are encouraged to promote m-banking services' functional value to increase trust and attract more users by promoting their companies' m-banking application. M-banking customers can also be classified based on the benefits in which they are most interested. Originality/value The study is one of the first attempts to demonstrate empirically how consumption values' dimensions drive m-banking use among different types of customers in a developing market context with a high m-banking penetration rate.

ACS Style

Heikki Karjaluoto; Richard Glavee-Geo; Dineshwar Ramdhony; Aijaz A. Shaikh; Ashna Hurpaul. Consumption values and mobile banking services: understanding the urban–rural dichotomy in a developing economy. International Journal of Bank Marketing 2021, 39, 272 -293.

AMA Style

Heikki Karjaluoto, Richard Glavee-Geo, Dineshwar Ramdhony, Aijaz A. Shaikh, Ashna Hurpaul. Consumption values and mobile banking services: understanding the urban–rural dichotomy in a developing economy. International Journal of Bank Marketing. 2021; 39 (2):272-293.

Chicago/Turabian Style

Heikki Karjaluoto; Richard Glavee-Geo; Dineshwar Ramdhony; Aijaz A. Shaikh; Ashna Hurpaul. 2021. "Consumption values and mobile banking services: understanding the urban–rural dichotomy in a developing economy." International Journal of Bank Marketing 39, no. 2: 272-293.

Journal article
Published: 13 November 2020 in Telematics and Informatics
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Artificial intelligence (AI) is a future-defining technology, and AI applications are becoming mainstream in the developed world. Many consumers are adopting and using AI-based apps, devices, and services in their everyday lives. However, research examining consumer behavior in using AI apps is scant. We examine critical factors in AI app adoption by extending and validating a well-established unified theory of adoption and use of technology, UTAUT2. We also explore the possibility of unobserved heterogeneity in consumers’ behavior, including potentially relevant segments of AI app adopters. To augment the knowledge of end users’ engagement and relevant segments, we have added two new antecedent variables into UTAUT2: technology fear and consumer trust. Prediction-orientated segmentation was used on 740 valid responses collected using a pre-tested survey instrument. The results show five segments with different behaviors that were influenced by the variables of the proposed model. Once known, the profiles were used to propose apps to AI developers to improve consumer engagement. The moderating effects of the added variables—technology fear and consumer trust—are also shown. Finally, we discuss the theoretical and managerial implications of our findings and propose priorities for future research.

ACS Style

Juan-Pedro Cabrera-Sánchez; Ángel F. Villarejo-Ramos; Francisco Liébana-Cabanillas; Aijaz A. Shaikh. Identifying relevant segments of AI applications adopters – Expanding the UTAUT2’s variables. Telematics and Informatics 2020, 58, 101529 .

AMA Style

Juan-Pedro Cabrera-Sánchez, Ángel F. Villarejo-Ramos, Francisco Liébana-Cabanillas, Aijaz A. Shaikh. Identifying relevant segments of AI applications adopters – Expanding the UTAUT2’s variables. Telematics and Informatics. 2020; 58 ():101529.

Chicago/Turabian Style

Juan-Pedro Cabrera-Sánchez; Ángel F. Villarejo-Ramos; Francisco Liébana-Cabanillas; Aijaz A. Shaikh. 2020. "Identifying relevant segments of AI applications adopters – Expanding the UTAUT2’s variables." Telematics and Informatics 58, no. : 101529.

Short communication
Published: 01 September 2020 in Digital Business
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In this digital era, Digital Innovation & Enterprise have emerged as a possible prescription in the sharing economy. Scholars have noted that digital innovation is transforming the technological landscape, entrepreneurial practices, and the behaviours, attitudes, and beliefs of consumers across the globe. This research note serves three purposes. First, it introduces digital innovation and enterprise as a fruitful area of research in the sharing economy. Second, it extends the agenda set by Yoo, Henfridsson, and Lyytinen (2010) on “new organising logics of Digital Innovation” to propose contemporary research questions for scholarly collaboration. Third, it attempts to move forward research in digital business from B2B, B2C, mobile-social contexts to emerging eco-systems that address current socio-economic trends. In proposing such a digital business research agenda, the authors reason why Action Design Research studies may be particularly suited for the iterative development, replication and sharing of findings in the form of artefacts such as use-cases.

ACS Style

Aijaz A. Shaikh; Ravishankar Sharma; Heikki Karjaluoto. Digital innovation & enterprise in the sharing economy: An action research agenda. Digital Business 2020, 1, 100002 .

AMA Style

Aijaz A. Shaikh, Ravishankar Sharma, Heikki Karjaluoto. Digital innovation & enterprise in the sharing economy: An action research agenda. Digital Business. 2020; 1 (1):100002.

Chicago/Turabian Style

Aijaz A. Shaikh; Ravishankar Sharma; Heikki Karjaluoto. 2020. "Digital innovation & enterprise in the sharing economy: An action research agenda." Digital Business 1, no. 1: 100002.

Journal article
Published: 17 February 2020 in Journal of Retailing and Consumer Services
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Recent advancements in the field of mobile information systems have transformed the consumer lifestyle as well as have changed the digital service landscape globally. This exploratory study identifies and describe key marketing drivers of consumer experience with non-financial transactions available on mobile banking apps. Data were gathered using semi-structured in-depth interviews from 12 respondents in Finland during March and April 2019. The qualitative analysis of the interview transcripts revealed three emerging themes i.e. the mobile banking app experiences and sustained usage of mobile banking apps are largely affected by consumers’ level of knowledge (consumer awareness), usefulness, and ease of use of non-financial transactions. The study offers valuable theoretical and managerial implications; its limitations and directions for future research are also discussed.

ACS Style

Aijaz A. Shaikh; Majed D. Alharthi; Hawazen O. Alamoudi. Examining key drivers of consumer experience with (non-financial) digital services—An exploratory study. Journal of Retailing and Consumer Services 2020, 55, 102073 .

AMA Style

Aijaz A. Shaikh, Majed D. Alharthi, Hawazen O. Alamoudi. Examining key drivers of consumer experience with (non-financial) digital services—An exploratory study. Journal of Retailing and Consumer Services. 2020; 55 ():102073.

Chicago/Turabian Style

Aijaz A. Shaikh; Majed D. Alharthi; Hawazen O. Alamoudi. 2020. "Examining key drivers of consumer experience with (non-financial) digital services—An exploratory study." Journal of Retailing and Consumer Services 55, no. : 102073.

Earlycite article
Published: 18 November 2019 in International Journal of Bank Marketing
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Purpose The purpose of this paper is to develop and test a conceptual model that combines the modified Unified Theory of Acceptance and Use of Technology (UTAUT2) with a consumer brand engagement (CBE) model to predict consumers’ usage intentions toward contactless payment systems in a developed country. Design/methodology/approach The authors cooperated with a contactless payment service provider in Finland and reached out to 22,000 customers, resulting in 1,165 usable responses. The collected data were analyzed using structural equation modeling. Findings The study shows that the UTAUT2 and the CBE model together explain approximately 70 percent of the variance in usage intention. Of the predictors, habit and consumers’ overall satisfaction have the strongest influence on usage intentions. The model also confirms the positive relationship between intention and use. Practical implications Understanding the reasons for both the intention to use and the continued use of contactless payments is important for merchants, banks and other service providers. This study shows which technology adoption factors drive both the intention and the use of contactless payments. The finding that intention is mainly driven by habit and overall satisfaction and not by hedonic reasons indicates that such behaviors are difficult to change. Originality/value This study is among the first to examine contactless payment usage in a developed market, where over half of all point-of-sale transactions are executed using contactless payment cards and/or cell phones.

ACS Style

Heikki Karjaluoto; Aijaz A. Shaikh; Matti Leppäniemi; Roope Luomala. Examining consumers’ usage intention of contactless payment systems. International Journal of Bank Marketing 2019, 38, 332 -351.

AMA Style

Heikki Karjaluoto, Aijaz A. Shaikh, Matti Leppäniemi, Roope Luomala. Examining consumers’ usage intention of contactless payment systems. International Journal of Bank Marketing. 2019; 38 (2):332-351.

Chicago/Turabian Style

Heikki Karjaluoto; Aijaz A. Shaikh; Matti Leppäniemi; Roope Luomala. 2019. "Examining consumers’ usage intention of contactless payment systems." International Journal of Bank Marketing 38, no. 2: 332-351.

Earlycite article
Published: 18 July 2019 in International Journal of Bank Marketing
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Purpose The purpose of this paper is to examine the drivers of consumer engagement and its consequences via the experiences of mobile money services’ users in Ghana and to discuss its implications for the society, financial service innovation, delivery and operations. Design/methodology/approach A pre-tested survey instrument was used with a sample of 595 mobile money services users in Ghana. SmartPLS application was used to analyze the data and report findings. Findings The study shows that perceived risk, consumer empowerment, subjective norm, performance expectancy and effort expectancy influence the affect component of consumer engagement and explain around half of its variance. The effect of perceived risk on consumer engagement was counterintuitive. Perceived risk was significant and positive for cognitive processing, whereas the effect was significant but negative for affect. The authors found support for the positive effect of cognitive processing on advocacy intention but no support for its effect on continuous usage. By contrast, affect strongly influenced both advocacy intention and continuous usage of mobile money services. Practical implications The authors highlight the implications of mobile money services to business and marketing/service managers, policy makers, non-banking entities (such as telecoms and financial technology firms) and to the society in general. The authors provide important insights into how service providers can manage consumer engagement process and formulate marketing strategies to target and promote this simple, but innovative service to consumers. Moreover, the authors discuss the societal implications of the study in Ghana, a developing country. The authors recommend several options for future studies in order to stimulate the research agenda on mobile financial services in general. Originality/value The present study shows that although mobile money was initially introduced to help consumers who hitherto have no access to formal banking services, this form of banking has become increasingly popular among various consumer segments as its usage and adoption has increased multifold largely in emerging and developing countries. The main contribution of this study is the development and testing of the “mobile money customer engagement model.” Moreover, this study shows the key factors that influence the engagement process and the effects of these factors as analyzed within the context of a developing country.

ACS Style

Richard Glavee-Geo; Aijaz A. Shaikh; Heikki Karjaluoto; Robert Ebo Hinson. Drivers and outcomes of consumer engagement. International Journal of Bank Marketing 2019, 38, 1 .

AMA Style

Richard Glavee-Geo, Aijaz A. Shaikh, Heikki Karjaluoto, Robert Ebo Hinson. Drivers and outcomes of consumer engagement. International Journal of Bank Marketing. 2019; 38 (1):1.

Chicago/Turabian Style

Richard Glavee-Geo; Aijaz A. Shaikh; Heikki Karjaluoto; Robert Ebo Hinson. 2019. "Drivers and outcomes of consumer engagement." International Journal of Bank Marketing 38, no. 1: 1.

Journal article
Published: 01 June 2019 in Entrepreneurship and Sustainability Issues
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ACS Style

Galimkair Mutanov; Sayabek Ziyadin; Aijaz Shaikh. Graphic model for evaluating the competitiveness and eco-efficiency of eco-innovative projects. Entrepreneurship and Sustainability Issues 2019, 6, 2136 -2158.

AMA Style

Galimkair Mutanov, Sayabek Ziyadin, Aijaz Shaikh. Graphic model for evaluating the competitiveness and eco-efficiency of eco-innovative projects. Entrepreneurship and Sustainability Issues. 2019; 6 (4):2136-2158.

Chicago/Turabian Style

Galimkair Mutanov; Sayabek Ziyadin; Aijaz Shaikh. 2019. "Graphic model for evaluating the competitiveness and eco-efficiency of eco-innovative projects." Entrepreneurship and Sustainability Issues 6, no. 4: 2136-2158.

Conference paper
Published: 01 May 2019 in Sustainable Transport Development, Innovation and Technology
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Digital technology has reinvented retail business as well as commerce. This study aims to examine consumers’ perception and usage of digital customer services (DCS) and investigate three significant post-adoption and marketing consequences: simplicity, awareness, and usefulness. Using a purposeful sampling technique, 10 semi-structured, in-depth interviews were conducted with banking customers in Finland in January 2019. The research findings suggest that simplicity regarding DCS occupies a key position in their prolonged use, while awareness and usability are also important. This study offers some valuable theoretical and managerial implications and suggests an agenda for future research.

ACS Style

Aijaz A. Shaikh. Identifying Critical Determinants of ‘Digital Customer Services’ Usage – An Exploratory Study. Sustainable Transport Development, Innovation and Technology 2019, 190 -196.

AMA Style

Aijaz A. Shaikh. Identifying Critical Determinants of ‘Digital Customer Services’ Usage – An Exploratory Study. Sustainable Transport Development, Innovation and Technology. 2019; ():190-196.

Chicago/Turabian Style

Aijaz A. Shaikh. 2019. "Identifying Critical Determinants of ‘Digital Customer Services’ Usage – An Exploratory Study." Sustainable Transport Development, Innovation and Technology , no. : 190-196.

Journal article
Published: 01 January 2019 in International Journal of E-Business Research
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Although mobile money (MM) has been explored in the existing literature, the roles of trust and risk in MM use have received little attention from researchers. Furthermore, many of the existing studies have treated these constructs as unidimensional. The extant literature also shows that perceived risk has received little attention from researchers who have conducted studies on MM. Thus, the objective of this study is to examine the roles of trust and perceived risk in customers' intent to adopt MM services in Ghana. Both trust and perceived risk were broken down into various dimensions. The study involved 671 respondents who were selected via an intercept approach and an online survey. Structural equation modelling was used to test the study's hypotheses. The findings show that perceived risk is negatively associated with customers' intent to use MM services and economy-based trust. Trust in service providers and economy-based trust are positively associated with customers' intent to use MM services. The implications of the findings are provided in the latter part of this study.

ACS Style

Ibn Kailan Abdul-Hamid; Aijaz A. Shaikh; Henry Boateng; Robert E. Hinson. Customers' Perceived Risk and Trust in Using Mobile Money Services—an Empirical Study of Ghana. International Journal of E-Business Research 2019, 15, 1 -19.

AMA Style

Ibn Kailan Abdul-Hamid, Aijaz A. Shaikh, Henry Boateng, Robert E. Hinson. Customers' Perceived Risk and Trust in Using Mobile Money Services—an Empirical Study of Ghana. International Journal of E-Business Research. 2019; 15 (1):1-19.

Chicago/Turabian Style

Ibn Kailan Abdul-Hamid; Aijaz A. Shaikh; Henry Boateng; Robert E. Hinson. 2019. "Customers' Perceived Risk and Trust in Using Mobile Money Services—an Empirical Study of Ghana." International Journal of E-Business Research 15, no. 1: 1-19.

Journal article
Published: 25 September 2018 in International Journal of Information Management
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Mobile information services have revolutionized business models and service delivery methods by facilitating consumer access to information and order placement via mobile apps. In developed markets, mobile banking (m-banking) and mobile payment (m-payment) applications have replaced text-based mobile services. However, extant research has not addressed these mobile financial services apps (MFSAs) adequately from the perspective of consumer behavior. Thus, the present study developed and tested a series of hypotheses related to the antecedents of perceived value of MFSA use; it also examined how such use affects the development of customers’ overall relationships with banks. Our hypotheses were tested using two samples (N = 992; N = 524) comprising different types of MFSA end-users in one of the leading countries in digital banking, Finland. The results supported most of the hypotheses and revealed that self-congruence and new product novelty are the principal drivers of perceived MFSA value. In addition, the findings show that the perceived value of MFSAs yields strong positive effects on customers’ overall satisfaction and commitment to their bank. The present study’s key managerial implication is that banks’ investments in developing MFSAs result in improved relationships with customers and increased business.

ACS Style

Heikki Karjaluoto; Aijaz A. Shaikh; Hannu Saarijärvi; Saila Saraniemi. How perceived value drives the use of mobile financial services apps. International Journal of Information Management 2018, 47, 252 -261.

AMA Style

Heikki Karjaluoto, Aijaz A. Shaikh, Hannu Saarijärvi, Saila Saraniemi. How perceived value drives the use of mobile financial services apps. International Journal of Information Management. 2018; 47 ():252-261.

Chicago/Turabian Style

Heikki Karjaluoto; Aijaz A. Shaikh; Hannu Saarijärvi; Saila Saraniemi. 2018. "How perceived value drives the use of mobile financial services apps." International Journal of Information Management 47, no. : 252-261.

Journal article
Published: 01 September 2018 in Journal of Retailing and Consumer Services
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ACS Style

Aijaz A. Shaikh; Heikki Karjaluoto; Juho Häkkinen. Understanding moderating effects in increasing share-of-wallet and word-of-mouth: A case study of Lidl grocery retailer. Journal of Retailing and Consumer Services 2018, 44, 45 -53.

AMA Style

Aijaz A. Shaikh, Heikki Karjaluoto, Juho Häkkinen. Understanding moderating effects in increasing share-of-wallet and word-of-mouth: A case study of Lidl grocery retailer. Journal of Retailing and Consumer Services. 2018; 44 ():45-53.

Chicago/Turabian Style

Aijaz A. Shaikh; Heikki Karjaluoto; Juho Häkkinen. 2018. "Understanding moderating effects in increasing share-of-wallet and word-of-mouth: A case study of Lidl grocery retailer." Journal of Retailing and Consumer Services 44, no. : 45-53.

Chapter
Published: 07 June 2018 in Digital Currency
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This study conceptualizes and proposes a well-regulated and designated mobile banking and payment system (MBPS) with the potential to strengthen the banking system, foster the regulatory framework, and to be integrated across various platforms and mobile devices. Unlike other mobile payment systems that lack convenience, scalability, and usability, the proposed MBPS contains several important functionalities and it has the potential to bring together hitherto unconnected industries—banking, Fintech and telecoms—to offer value-added services to their existing and potential customers. The ownership of the MBPS shall remain with the financial services sector including the banking and microfinance institutions. The paper concludes with a discussion on the implications and limitations of the study and proposes future research directions.

ACS Style

Aijaz A. Shaikh; Payam Hanafizadeh; Heikki Karjaluoto. Mobile Banking and Payment System. Digital Currency 2018, 66 -82.

AMA Style

Aijaz A. Shaikh, Payam Hanafizadeh, Heikki Karjaluoto. Mobile Banking and Payment System. Digital Currency. 2018; ():66-82.

Chicago/Turabian Style

Aijaz A. Shaikh; Payam Hanafizadeh; Heikki Karjaluoto. 2018. "Mobile Banking and Payment System." Digital Currency , no. : 66-82.

Journal article
Published: 01 April 2018 in International Journal of E-Business Research
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Social media is widely recognized as a challenging new communication technology in both economic and social contexts. The present article explores how banks have exploited this technology in the range of consumer retail banking services offered by 100 leading global banks on the three major social networking sites (SNS): Facebook, Twitter, and YouTube. Viewing social network (SN) banking as a separate delivery channel and offering a working definition of SN banking, the article shows that banks have been more cautious than other businesses in using SNS. The available services are classified on nine main dimensions: marketing, financial education and advice, information support, customer support, sales representativeness, customer engagement, online recruitment, survey and polling, and other services. The scope of these SN banking services is for the most part non-cash-based. Conclusions, implications, and recommendations are discussed and future research priorities are identified.

ACS Style

Erik Bohlin; Aijaz A. Shaikh; Payam Hanafizadeh. Social Network Banking. International Journal of E-Business Research 2018, 14, 1 -13.

AMA Style

Erik Bohlin, Aijaz A. Shaikh, Payam Hanafizadeh. Social Network Banking. International Journal of E-Business Research. 2018; 14 (2):1-13.

Chicago/Turabian Style

Erik Bohlin; Aijaz A. Shaikh; Payam Hanafizadeh. 2018. "Social Network Banking." International Journal of E-Business Research 14, no. 2: 1-13.

Journal article
Published: 01 April 2018 in International Journal of E-Business Research
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This article provides a comprehensive overview of the adoption process using evidence from m-banking adoption in Pakistan. A survey design was used and 189 responses were received from across Pakistan and analyzed using Smart PLS application. Findings suggest that research on the effect of risk in the adoption process remains inconclusive. Contrarily, consumers have overcome many fears due to the usefulness, indispensability, high security features, and effort expended in the use of financial services delivered through m-banking. Perceived risk's (PR) direct influence was found to be generally weak. However, PR plays a major role in the pre-adoption process because it's weak and direct inhibiting influence become an “enhancer” in the association between effort expectancy (EE) and the three key TAM/UTAUT constructs [performance expectancy (PE), attitude (ATT), and adoption intention (INT)]. Most importantly, the role of EE as a strong driver of PE, ATT, INT, and its significant interaction with PR highlights the unique role that both risk and EE play in the adoption process.

ACS Style

Aijaz A. Shaikh; Richard Glavee-Geo; Heikki Karjaluoto. How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption? International Journal of E-Business Research 2018, 14, 39 -60.

AMA Style

Aijaz A. Shaikh, Richard Glavee-Geo, Heikki Karjaluoto. How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption? International Journal of E-Business Research. 2018; 14 (2):39-60.

Chicago/Turabian Style

Aijaz A. Shaikh; Richard Glavee-Geo; Heikki Karjaluoto. 2018. "How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption?" International Journal of E-Business Research 14, no. 2: 39-60.

Chapter
Published: 29 March 2018 in Emerging Issues in Global Marketing
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Social media has become a new way of life that allows for real-time interaction among businesses (B2B) and consumers (P2P/C2C) as well as between business firms and consumers (B2C). Customers are increasingly accessing and using social networking sites (SNS), making it imperative for businesses and organizations to have a presence on these platforms to enhance visibility. The main purpose of this chapter is to provoke an agenda on the study of social network brand visibility (SNBV). We developed and proposed a definition of SNBV and report findings from a preliminary study. We further discuss implications for theory, research, and practice as well as the limitations and options for future research.

ACS Style

Aijaz A. Shaikh; Richard Glavee-Geo; Adina-Gabriela Tudor; Chen Zheng; Heikki Karjaluoto. Social Network Brand Visibility (SNBV): Conceptualization and Empirical Evidence. Emerging Issues in Global Marketing 2018, 149 -178.

AMA Style

Aijaz A. Shaikh, Richard Glavee-Geo, Adina-Gabriela Tudor, Chen Zheng, Heikki Karjaluoto. Social Network Brand Visibility (SNBV): Conceptualization and Empirical Evidence. Emerging Issues in Global Marketing. 2018; ():149-178.

Chicago/Turabian Style

Aijaz A. Shaikh; Richard Glavee-Geo; Adina-Gabriela Tudor; Chen Zheng; Heikki Karjaluoto. 2018. "Social Network Brand Visibility (SNBV): Conceptualization and Empirical Evidence." Emerging Issues in Global Marketing , no. : 149-178.