Purpose: This study aims to understand the importance and challenges of adopting artificial intelligence (AI) in the banking industry in Malaysia and examine the factors that are important in investigating consumers' intention to adopt AI in banking services.Design/methodology/approach: The qualitative research was carried out using in-depth interviews from officials in the baking industry to understand the importance and challenges of adopting AI in the banking industry. In the quantitative study, a total of 302 completed questionnaires were received from Malaysian banking customers. The data were analysed using the SmartPLS 3.0 software to identify the important predictors of their intention to adopt AI.Findings: The qualitative results reveal that AI is an essential tool for fraud detection and risk prevention. The absence of regulatory requirements, data privacy and security, and lack of relevant skills and IT infrastructure are significant challenges of AI adoption. The quantitative results indicate that attitude towards AI, perceived usefulness, perceived risk, perceived trust, and subjective norms significantly influence intention to adopt AI in banking services while perceived ease of use and awareness do not. The results also show that attitude towards AI significantly mediates the relationship between perceived usefulness and intention to adopt AI in banking services.Practical implications: Financial technology (FinTech) is regarded as a critical determinant of strategic planning in the banking industry. While AI provides various disruptive opportunities in the FinTech space in terms of data collection, analysis, safeguarding and streamlining processes, it also poses a sea of threats to incumbent banks. This study provides vital insights for the policymakers of the banking industry to address the challenges of adopting AI in banking. It also provides the important predictors of the bank customers' intention to adopt AI in banking services. Policymakers can devise their strategies to enhance AI adoption considering the facts.Originality/value: This study is amongst the pioneer in exploring the importance and potential challenges in implementing AI technology in banking services and identifying the essential factors influencing the intention to adopt AI in Malaysia's banking services.

Understanding the financial well-being of lower-income group is a critical concern of any government as this group struggles most to meet up with their necessities. Despite the significance, little is known about financial well-being of low-income group. This study attempts to investigate the relationship between financial literacy, financial behaviour, financial stress, and financial well-being of B40 group in Malaysia. A total of 412 usable responses was derived from a survey in Klang Valley and analysed the data following partial least squares structural equation modelling (PLS-SEM) techniques. The results demonstrate that financial behaviour is the key antecedent followed by financial stress and financial literacy in predicting financial well-being. Hence, balancing between income and expenditure, managing financial stress, and increasing financial literacy would be necessary to assure financial well-being of lower-income group people. Governmental and institutional interventions are essential to equip the low-income group people with employment opportunities and financial knowledge to manage their basic living standards.

Purpose: Several research models have been proposed in the existing literature to understand the intention to use Islamic banking where conventional bank customers are not primarily addressed. Upon measuring the level of Islamic financial literacy (IFL) among the customers of conventional banks in the UAE, the purpose of this paper is to examine the direct and indirect effects of IFL, awareness, cost and benefit, reputation and attitude towards Islamic banking on the intention of potential customers to use Islamic banking. Design/methodology/approach: Using judgmental sampling techniques, questionnaires were distributed to working individuals who did not have accounts with Islamic banks. A total of 350 completed and usable questionnaires were received and used for further analysis. The SmartPLS 3.0 software was used to analyse the data. Findings: The results revealed that the level of IFL was high across the respondents and differed significantly as a function of gender, income level and years of work experience. The findings showed that IFL, awareness, reputation and attitude towards Islamic banking significantly influenced the intention to use Islamic banking, while cost and benefit appear not to. Interestingly, IFL was negatively correlated with the intention to use Islamic banking, but when the attitude towards Islamic banking mediated the relationship between IFL and the intention to use Islamic banking it then became positive. Research limitations/implications: Future research should consider looking at non-Muslim economies, which might be more vulnerable to IFL. In addition, a comparison between the current customers of Islamic banks and potential customers might be relevant to see whether the IFL of the current customers differs from the new customers. Practical implications: The implications of the research are twofold. First the study suggests that IFL is crucial for an Islamic bank’s potential new customers. Islamic bank managers should design and focus their policies toward enriching the knowledge of the public about Islamic banks and their products. Second, IFL alone does not lead to a higher level of intention to use Islamic banks unless there is a positive attitude towards such banks. Originality/value: To the authors’ knowledge, this is one of the first studies to consider the IFL measure used in this paper. Therefore, this study will be the foundation for future research on IFL.

Though halal-related services have been discussed in tourism services literature, exploratory study in this area is not enough, particularly in non-Muslim tourists’ perspectives. This study aims to investigate the impact of non-Muslim tourists’ perceptions of halal products or services on their loyalty of intention for halal tourism destination. Structured questionnaires are used for collecting data from non-Muslim tourists. SmartPLS is used in this study for data analysis. The results find that banning non-halal services and implementing halal food product services are significantly related to trip experience and trip value. General halal services are positively related to trip value, whereas trip experience is not associated with it. In addition, trip experience and trip value have a significant impact on satisfaction. The results also find that tourists’ loyalty intention is attributed to satisfaction of non-Muslim tourists. ` The study reveals new insight into halal tourism in the perspective of non-Muslim tourists’ halal products or service toward their future travel to halal destination. The contribution of this study is important for tourism operators, managers and marketers of destination tourism with a direct/indirect leadership to improve the tourism destination for non-Muslim tourists’ perceptions. 游客感知对清真旅游目的地的影响：结构模型分析 尽管旅游服务文献中讨论了与清真相关的服务, 但在这一领域进行的探索性研究还不够, 尤其是从非穆斯林游客的角度。这项研究调查了非穆斯林游客对清真产品或服务的感知对其清真旅游目的地忠诚度的影响。 结构性问卷用于从非穆斯林游客中收集数据。本研究中使用SmartPLS软件进行数据分析。 结构分析的结果发现, 禁止非清真服务和清真食品服务与旅行体验和旅行价值显著相关。普通的清真服务与旅行价值成正相关, 而旅行体验却与此无关。另外, 旅行体验和旅行价值对满意度有重要影响。结果还发现, 游客的忠诚度归因于非穆斯林游客的满意度。 该研究从非穆斯林游客的清真产品或服务出发, 为他们未来前往清真目的地提供了清真旅游的新见解。对于直接/间接领导以改善非穆斯林游客感知的旅游目的地的旅游经营者、目的地旅游管理者和营销者而言, 这项研究的贡献非常重要。 旅游目的地, 非穆斯林, 清真, 满意, 忠诚度 研究论文 El impacto de las percepciones de los turistas en el destino turístico halal: Un modelo de análisis estructural – Aunque existen estudios que tratan sobre los servicios relacionados con el halal en la literatura de servicios turísticos, el estudio exploratorio en esta área no es suficiente, particularmente desde las perspectivas de los turistas no musulmanes. Este estudio investiga el impacto de los productos o servicios halal sobre las percepciones de los turistas no musulmanes en su intención de lealtad hacia el destino de turismo halal. – Los cuestionarios estructurales se utilizan para recopilar datos de turistas no musulmanes. SmartPLS se utiliza en este estudio para el análisis de datos. – Los resultados del análisis estructural encuentran que prohibir los servicios no halal y los servicios de productos alimenticios halal, están significativamente relacionados con la experiencia y el valor del viaje. Los servicios halal generales están positivamente relacionados con el valor del viaje, mientras que la experiencia del viaje no se asoció con él. Además, la experiencia y el valor del viaje tienen un impacto significativo en la satisfacción. Los resultados, también encontraron que la intención de lealtad de los turistas se atribuye a la satisfacción de los turistas no musulmanes. – El estudio revela una nueva visión hacía el turismo halal, desde la perspectiva del turista no musulmán hacía los productos o servicios halal, en su futuro viaje a un destino halal. La contribución de este estudio es importante para los operadores turísticos, gerentes y comercializadores del turismo de destino con liderazgo directo/indirecto para mejorar el destino turístico de las percepciones de los turistas no musulmanes. – Destino Turístico, No Musulmán, Halal, Satisfacción, Intención de Lealtad – Trabajo de investigación

Purpose: This study aims to investigate the behavioural factors that affect individual investment decisions among Generation Y in Malaysia.Design/methodology/approach: Five human behaviours such as trait anger, trait anxiety, overconfidence, herding factor and self-monitoring have been examined using a sample of 502 respondents.Findings: The results reveal that trait anxiety and overconfidence are negatively related to investment decisions while self-monitoring is positively associated. Trait anger and herding behaviour do not significantly affect investment decision. The results also show that investment decision-making is significantly distinct when examined by gender, employment status and income allocation. Among these three variables, the result shows that only self-employed individuals and those in the 5–10 per cent income allocation group are marginally positive vis-à-vis investment decision-making.Originality/value: The outcomes of this study will expand investors' knowledge about the financial decision-making process.

Purpose: The purpose of this paper is to investigate the impact of Islamic Shariah compliance on customer satisfaction through the mediating effect of service quality in Islamic banking services. Design/methodology/approach: A total of 334 completed and usable questionnaires were collected from customers of Islamic banks in Bangladesh to test the hypotheses. The data were analyzed using SmartPLS 3. Findings: The findings of this study indicate that Islamic Shariah compliance has a positive and significant influence on service quality and customer satisfaction of Islamic banking services. The research findings also indicate that service quality partially mediate the relationship between Islamic Shariah compliance and customer satisfaction of Islamic banking services. Research limitations/implications: This study only emphasized on the Islamic banking services of Bangladesh and thus findings of the present study may not be applicable to other service areas. Practical implications: The implications of the research are twofold. First, a strong standardized effect of Islamic Shariah compliance on service quality implies that customers are very sensitive to Shariah compliance related to Islamic banking services. Next, maintaining service quality is another crucial aspect to satisfy customers of Islamic banks. Quality of services will only be materialized when all the promises made by the bank function accordingly. Therefore, strategy makers of Islamic banks should assess the customer service quality and satisfaction regularly to improve the overall service experience of customers. Originality/value: Limited studies have been conducted to investigate the mediating effect of service quality on the relationship between Shariah compliance and customer satisfaction in Islamic banking services. This study provides valuable insights to Islamic bank to integrate the service quality along with Shariah compliance to enhance customer satisfaction.