Purpose: The purpose of this paper is to study the important factors which help explain consumer intention and use behavior in mobile banking (m-banking) adoption. All constructs of the unified theory of acceptance and use of technology 2 are studied. Non-monetary value is studied through perceived value. Trust and perceived risk are also included to predict intention. Design/methodology/approach: A questionnaire was utilized to evaluate customer responses on a five-point Likert scale. A convenience sampling technique was used to collect data from a sample of 490 respondents in Pakistan. The data were analyzed using AMOS and SPSS for Cronbach’s α , CR, CMV, AVE, Harmon’s single factor test, correlation and structural equation modeling. Findings: The results of the study show that most of the predictors of intention, including perceived value, performance expectancy, habit, social influence, effort expectancy, hedonic motivation (except for facilitating condition), perceived risk and trust, are significant. All predictors of usage behavior are significant. Research limitations/implications: A cross-sectional study was conducted due to time constraints. Practical implications: Bank managers must focus on improving customers’ intentions to use m-banking as well as on providing facilitating conditions to increase its actual use. To boost mobile banking, banks’ management must consider the customers’ habits while designing their m-banking products. Originality/value: The findings of this paper are not only interesting in terms of boosting m-banking diffusion rate, but also in terms of financial inclusion of the vast majority of mobile users. Further the impact of intention, facilitating condition and habit were checked on actual use behavior since people tend not always to act upon their intentions.

Purpose: – The purpose of this paper was to examine the influence of religiously motivated boycotts, such as the one conducted in Saudi Arabia against Danish companies, on corporate brand image, customer loyalty and product judgment. Despite a growing research interest in understanding the effects of different types of consumer animosities on companies’ performance, there appears to be a scarcity of studies addressing the specific effects of religious animosity. Religious animosity is considered as an additional type which may have more stable and longer-term impacts than other animosities on behaviour. Design/methodology/approach: – The study was based on a two-stage design: an exploratory qualitative stage involving 11 in-depth interviews, followed by a more comprehensive quantitative stage designed to test a proposed theoretical model. Data was collected from Saudi customers of the Danish company Arla Foods in Saudi Arabia. Data was analysed using structural equation model (LISREL 8). Findings: – The model confirms that boycotting have strong negative impact on brand image and consumer loyalty but does not influence consumers’ product judgment. Practical implications: – Religious boycotts have significant consequences on both corporate profits and brand image. The study provides clear steps for companies to combat the influence of religious boycotts especially in relation to brand image and customer loyalty. Originality/value: – The study tested the influence of consumer religious boycotts on brand image and customer loyalty. Religious animosity was found to cause a more persistent boycott that negatively impacts brand image and weakens customer loyalty. However, by and large, boycotting was found not to have any significant impact on product judgment.

Organisations and marketers have long debated the consumer–brand relationship. Theorising related to this debate led to self-service technologies, which were implemented to both reduce costs and increase productivity by turning customers into co-producers of services or merely to keep up with technological developments. With the emergence of disruptive technologies, it is imperative to discuss the potential shift from a customer co-created value to a customer–technology relationship that could disrupt the value-based relationship model. In line with advancements in service-delivery drones, and based on the theory of planned behaviour framework, this paper pioneers the discussion on consumers’ intention to accept their use based on their related perceived risks, potential functional benefits, and relational attributes, leading to a new type of relationship with the brand – namely, the customer–drone relationship. This discussion opens a new direction for retailers and academics alike to reflect on during the coming years.