This study investigates and compares online banking (OB) acceptance in the cultures of Pakistan and Turkey by employing the unified theory of acceptance and use of technology (UTAUT2) integrated with perceived credibility to predict customers’ behavioral intentions (BI) and their usage of online banking. This study further investigates the moderation influence of five cultural dimensions on customers’ usage behavior (UB). Using an online survey, data were collected through a questionnaire from 322 bank customers in Pakistan and 405 in Turkey. Structural equation modeling through Smart-PLS was used to analyze relationships among the constructs. Our analysis shows that performance expectancy (PE), hedonic motivation, habit (HT), and perceived credibility (PC) are determinants of OB acceptance in Pakistan, whereas PE, social influence, price value, HT, and PC are the factors affecting Turkish bank customer intentions. Results of the cultural moderators show that collectivism and long-term/short-term orientation affect customers’ UB in Pakistan while uncertainty avoidance, power distance, and masculinity/femininity moderate the UB of Turkish customers. Our findings provide new insights for developing online banking in both countries.

Purpose - This study aims to evaluate cognitive, personal and environmental factors affecting investors' behavioral intentions (BI) to invest in sukuk (Islamic investment certificates) in Pakistan. Design/methodology/approach - Data from 462 participants were collected through surveyquestionnaires by using the convenient sampling technique. Hypothesized proposed relationships among the constructs were examined by applying the structural equation modeling (SEM) technique through smart partial least squares. Findings - Compatibility, internal influence, external influence and intrinsic motivation were found to be significant predictors of investors' BI to invest in sukuk. In addition, it was found that the religious aspect not only affects investors' BI positively but also works as a moderator in the relationships between BI and both internal and external influence. Practical implications - The results are quite helpful for sukuk issuers and regulators to consider cognitive, personal and environmental factors that might enhance the adoption of sukuk, especially among Musliminvestors. Originality/value - This study is among the few research studies that shed light on investors' BI to invest in sukuk. Using social cognitive theory, the study investigates the cognitive, personal and environmental factors influencing sukuk adoption, which were previously unexplored. In addition, this is the first study that unveils the influential factors of sukuk adoption in Pakistan, a Muslim-majority country.

The demand for mobile payments using smartphones to substitute the need for cash, credit cards, or checks is swiftly increasing in Pakistan. This study investigates the factors determining consumers’ behavioral intention to adopt near-field communication mobile payment from a developing country’s viewpoint. A conceptual framework was adopted based on the mobile technology acceptance model (MTAM), integrating self-efficacy theory, critical mass theory, flow theory, and system and service quality to elucidate the behavioral intention. Data were collected through a self-administered questionnaire applied to 310 nonusers of near-field communication mobile payment in Pakistan. The analysis was performed using SmartPLS3.0. The results demonstrated that other independent variables are the main predictors of the intention to adopt mobile payment besides technology self-efficacy, perceived critical mass, and mobile ease of use. The study concludes with key implications and future work directions concerning the limitation of this study.

Purpose: The paper examines the intent to adopt blockchain-facilitated Halal traceability (BFHT) scheme in Indonesian firms' Halal food supply chain (SC). This study integrates Halal-focused attitude, innovation diffusion and institutional theories to construct the model. Design/methodology/approach: Data collection uses a simple random sampling method. Respondents are company leaders with experience and knowledge regarding Halal SC. The SEM-PLS approach was applied to test the hypothetical structure. Findings: The intent to adopt BFHT is considerably affected by perceived attractiveness, as perceived attractiveness is considerably affected by institutional forces, which are significantly influenced by Halal-focused attitude. Firms that follow a completely Halal-focused attitude show higher awareness regarding institutional forces that motivate them to adopt a BFHT. Originality/value: This research is among the initial works regarding Halal SCs that integrate Halal-focused attitude, innovation diffusion and institutional theories to recognise firms' intent to adopt a BFHT scheme.