Customer loyalty and trust are the key factors for long-term profitability and growth for organizations. Regardless of the rapid growth and popularity of the e-commerce, still companies face difficulties in gaining customer loyalty and trust ( Eid, 2011 ). Therefore, the aim of this study is to underlie the factors that gauge e-customer’s trust and e-customer loyalty in Business-to-Consumer (B2C) domain. The data were drawn via 5-point Likert scale adapted questionnaire from 328 respondents who had an experience of e-commerce, who were of working class, and were residing in major urban cities of Pakistan, that is, Karachi, Lahore, and Islamabad. Exploratory factor analysis, confirmatory factor analysis and structural equation modeling (SEM) were applied to test the hypotheses. The findings suggested that website user interface quality, information quality, awareness of e-commerce, and perceived privacy are significant predictors of e-customer trust (ECT) and in turn e-loyalty, whereas perceived security risk was found to have insignificant impact on ECT. This article contributes to enhance the determinants that have an influence in gaining customer trust and loyalty and provides interesting perspective of Pakistani consumers. The findings of the study are beneficial for the e-commerce industry in enhancing ECT and e-loyalty and help them in promoting their business online.

This study addresses the influence of corruption and governance on the tax revenue collection in emerging and growth-leading economies (EAGLE). To serve the purpose, the study employed a panel dataset of 10 EAGLE nations from 2001 to 2015. After checking the data for unit root and cointegration, the study employs pooled mean group estimations to formulate empirical findings. The results suggested that corruption and governance has a positive and significant impact on the tax revenue collection of the emerging economies. The study emphasizes on enhancing the governance quality and reducing rate of corruption. To do so, the countries need to implement certain policy reforms such as an efficient and strict judicial system, introducing monetary benefits for the tax officers to reduce the opportunity of corruption, and more importantly to broaden the tax base instead of increasing the tax rates. By doing so, the tax administration will become better and hence the overall tax revenue collection of the economy will improve.

This research presents a systematic review of a substantial body of high-quality research articles on Default Prediction Models published from 2015 to 2024. It is a comprehensive analysis of a DPM wide spectrum approaches including Textual Models, Systematic Review Studies, Hybrid Models, Intelligent Models and Statistical Models. The reason behind this study is rooted in the critical need to mitigate and understand the credit default risk that poses a significant threat to financial stability worldwide. By employing an evidence-based approach and methodological rigorously, this research critically evaluates the gaps, effectiveness and evolution in existing DPM methodologies. It is not only synthesized the current landscape of DPM study but also identified the direction for the future research, by offering novel insights and bridging theoretical gaps for enhancing the strategies of credit risk management. This study stands out by focusing on high citation research from top tier publishers, ensuring the quality and relevance of its analysis. The findings of this study have profound implications for stakeholders across the financial sector, including bankers, investors, regulatory bodies, and researchers. It aims to advance financial stability by providing a comprehensive overview of DPM advancements and pointing towards areas that require further exploration. By doing so, it contributes significantly to the development of more effective and sophisticated DPM strategies, thereby enhancing the robustness of financial institutions against potential defaults.

Svrha – Ovo istraživanje ima za cilj istražiti ponašanje potrošača prema implementaciji usluga mobilnoga plaćanja, čimbenike koji mogu utjecati na stav prema tom ponašanju te kako se taj stav pretvara u namjeru ponašanja....

Purpose: – The purpose of this paper is to explore how social need, social influence and convenience affect dependence on smartphones and purchasing behavior among university students in Pakistan’s emerging economy. Design/methodology/approach: – Survey methods and non-probability purposive sampling were used to collect data from 337 respondents, and structural equation modeling was used to test the hypothesis. Findings: – Overall the results provided evidence that social need, social influence and convenience significantly affect students’ dependence on their smartphones. A significant relationship also existed between students’ dependence on smartphones and their purchasing behavior. Originality/value: – The availability of 3G/4G mobile networks and the growth in smartphones’ computing power have meant that this form of mobile technology is in great demand. This study provides an exclusive viewpoint concerning students’ dependence on smartphones and the effect of this on their purchasing behavior, which is a subject that has not been covered previously in the Pakistani context.