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result(s) for
"Hassan, Md. Sharif"
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Drivers Influencing the Adoption Intention towards Mobile Fintech Services: A Study on the Emerging Bangladesh Market
by
Sobhani, Farid Ahammad
,
Zahra, Fatema Tuz
,
Mahmud, Imroz
in
Bank technology
,
Behavior
,
Cellular telephones
2022
People’s acceptance of technological changes has escalated with time. However, the acceptance and adoption of fintech services hiked after the outbreak of the virulent coronavirus. With this breakout, the adoption of mobile fintech services (MFS) increased among general citizens and business sectors around the world, including in developed, emerging, and developing economies. This study aimed to identify the factors that impact the adoption intention of consumers to embrace and enhance the use of mobile fintech services in an emerging market, Bangladesh. A research model was developed to strengthen the objective of this paper. A total of 218 respondents responded to the questionnaire. The study utilized structural equation modeling to analyze the results in SmartPLS software. The results showed significant positive effects of social influence, trust, perceived benefit, and facilitating conditions on the adoption intention towards MFS. Mobile fintech service providers must keep their users’ needs and literacy rates in mind when designing the user interface (UI). Moreover, they should also cater more efficient services to the users and work based on the feedback received. The customers’ satisfaction will ultimately lead to customers conducting more digital transactions and will contribute to the escalation of fintech transactions, resulting in more financial inclusion.
Journal Article
The Effects of Financial Attitudes, Financial Literacy and Health Literacy on Sustainable Financial Retirement Planning: The Moderating Role of the Financial Advisor
by
Mustafa, Wan Mashumi Wan
,
Asyraf, Muhammad
,
Royhan, Pradip
in
Analysis
,
Attitudes
,
Consultants
2023
Financial planning for retirement is essential to ensure that people have enough money to live the lifestyle they desire when they retire. Self-employed business owners in developed countries widely do financial retirement planning. However, in Malaysia, the percentage of self-employed individuals concerned about financial retirement planning is lower than in other countries. This study aims to identify the relationship between the financial attitude, financial literacy and health literacy of self-employed individuals toward sustainable financial retirement planning in Malaysia and find out the moderating effect of the role of financial advisors. The study utilized structural equation modelling. Data were collected through a survey questionnaire and analyzed using SMART PLS 3.3. The total sample size was 416 self-employed individuals from the northern Malaysian region. The findings revealed that financial attitude and financial literacy significantly impact retirement planning. Moreover, the role of financial advisors moderates the relationship between financial attitude–financial retirement planning and financial literacy–financial retirement planning. The result of the study will fulfil the needs of self-employed individuals to plan their retirement by including the financial planning determinants needed for a well-planned retirement.
Journal Article
Patients’ Intention to Adopt Fintech Services: A Study on Bangladesh Healthcare Sector
by
Hassan, Md. Maruf
,
Sobhani, Farid Ahammad
,
Hassan, Md. Arif
in
Bangladesh
,
Bank technology
,
Digital transformation
2022
Advancement in technology has facilitated the shift toward new financial services. Numerous industries have undergone a digital transformation because of the expansion of cashless payment systems and other cutting-edge technologies. This study aimed to identify the factors that stimulate the patient’s intention to adopt fintech services in the Bangladesh healthcare sector. To facilitate the study, data were collected through survey questionnaires from different hospitals and diagnostic centers patients. A total of 279 patients responded to the survey. The study employed structural equation modelling to analyze the data using SMART PLS 3.2.9. The results revealed that a significant relationship exists between perceived ease of use, social influence, facilitating conditions, personal innovativeness, and perceived trust in fintech services, and the adoption intention of the patients. The results of the study are beneficial to the healthcare sector and fintech companies who wish to make necessary arrangements to advance the growth of cashless fintech-based transactions.
Journal Article
Embracing Digital Transformation in Financial Services: From Past to Future
by
Thottoli, Mohammed Muneerali
,
Hassan, Md. Arif
,
Yusof, Mohd Faizal bin
in
Academic disciplines
,
Academic staff
,
Analysis
2023
Financial services are significantly impacted by digital transformation, which has been believed as one of the primary trends reshaping society and industry. A comprehensive understanding of digital transformation from an academic and management perspective is required, and it is crucial to close the knowledge gap using bibliometric and qualitative research techniques. Hence, the purpose of this paper is to identify the extensive research themes in digital transformation in financial services from 2000 to 2021, their significance and interdependencies, to determine which trending topics seem to be the most influential, to trace the evolution of digital transformation in the financial service, and to address new and under-researched field of research that is intriguing for future research. This study used a bibliometric analysis of 288 peer-reviewed research articles published over the last 22 years in digital transformation in financial services. The data were extracted from the Scopus database and used various bibliometric analyses such as conceptual structure analysis, co-citation network analysis, social structure, and keyword analysis using R software. The findings show an overall increasing trend in journal publications, author productivity, collaborative research by institutions, and countries’ collaboration from the year 2019, as well as major insights from co-citation analysis. According to Lotka’s law, most authors (769, or 95.77%) contributed only one article. In addition, the study assesses multiple research areas, such as the effects of digital transformation in financial services, applied technology and insights, and digitalization processes, comprising the latest trending topics in this research stream that extensively cover up in financial services. One of the limitations of this study is that it used only a single database. The author recommends that the findings of this research be reinforced with more targeted and extensive qualitative literature in this field of study. This study establishes a framework for policymakers, academics, and researchers to investigate the areas where digital technologies influence financial services. This study also highlighted several cutting-edge digital technologies used for different functions of the financial services of an organization. This study illustrates the bibliometric structure of the digital transformation literature in financial services and provides insights into the literature’s growth year over year. It provides a comprehensive understanding of this evolving field, guiding future research and facilitating informed decision-making in the financial industry.
Plain language summary
Purpose: Financial services are significantly impacted by digital transformation, which has been believed as one of the primary trends reshaping society and industry. A comprehensive understanding of digital transformation from an academic and management perspective is required, and it is crucial to close the knowledge gap using bibliometric and qualitative research techniques. Hence, the purpose of this paper is to identify the extensive research themes in digital transformation in financial services from 2000 to 2021, their significance and interdependencies, to determine which trending topics seem to be the most influential, to trace the evolution of digital transformation in the financial service, and to address new and under-researched field of research that is intriguing for future research. Design/methodology/approach: This study used a bibliometric analysis of 288 peer-reviewed research articles published over the last 22 years in digital transformation in financial services. The data were extracted from the Scopus database and used various bibliometric analyses such as conceptual structure analysis, co-citation network analysis, social structure, and keyword analysis using R software. Findings: The findings show an overall increasing trend in journal publications, author productivity, collaborative research by institutions, and countries’ collaboration from the year 2019, as well as major insights from co-citation analysis. According to Lotka s law, most authors (769, or 95.77 %) contributed only one article. In addition, the study assesses multiple research areas, such as the effects of digital transformation in financial services, applied technology and insights, and digitalization processes, comprising the latest trending topics in this research stream that extensively cover up in financial services. Research limitations/implications: One of the limitations of this study is that it used only a single database. The author recommends that the findings of this research be reinforced with more targeted and extensive qualitative literature in this field of study. Practical Implications: This study establishes a framework for policymakers, academics, and researchers to investigate the areas where digital technologies influence financial services. This study also highlighted several cutting-edge digital technologies used for different functions of the financial services of an organization.
Journal Article
Revisiting the Current Status of Green Finance and Sustainable Finance Disbursement: A Policy Insights
by
Azad, Mohammad Abul Kalam
,
Sobhani, Farid Ahammad
,
Masukujjaman, Mohammad
in
Banking
,
Carbon
,
Climate change
2022
The paradigm of green finance is currently in the developmental stage in Bangladesh; however, it has drawn enormous interest in the global financial sector. Recently, researchers, academics, policymakers, and both the supply-side and demand-side of these funds are more serious in Green Finance and Sustainable Finance than ever before. In creating a greener economy, market players need to focus on sustainable development. All banks and NBFIs have to disburse the funded loan greater than or equal to 5% in green finance and 20% in sustainable finance according to BB policy guidelines. This paper examines the recent target accomplishment scenario of green finance and sustainable finance through banks and NBFIs in Bangladesh for the year of 2021 (four quarters). This study also observes the highest and lowest contributors in both schemes and is descriptive in nature. Data has been collected from secondary sources. According to the findings of this study, Bangladesh’s central bank has made significant accomplishments in the effort to green the country’s financial system by implementing several green policies and regulatory measures. This study also indicates the total target achievements of banks and NBFIs were 3.16% of 5% in the green finance of total loan disbursement and 9.32% of 20% in sustainable finance, which is still far behind the SDGs’ goal that must be achieved by 2030. The intention of this research is to encourage the supply and demand sides of the fund and to capitalize more on future research directions. Independent experts in this field are needed to confirm the findings of any further research.
Journal Article
Entrepreneurial intention among university students of a developing economy: the mediating role of access to finance and entrepreneurship program
by
Islam, Md Aminul
,
Shahriar, Mohammad Shibli
,
Sobhani, Farid Ahammad
in
Access to finance
,
attitude
,
Entrepreneurial Finance
2024
This study addresses Bangladesh’s unemployment problem and its youth’s limited entrepreneurial aspiration focusing on critical factors that influence entrepreneurial intentions among university students in Bangladesh. Recognizing universities’ role in fostering entrepreneurship, the study aims to identify these determinants, bridging a gap in literature in the context of Bangladesh. Built upon an extended theory of planned behavior, the study incorporates ‘access to finance’ and ‘entrepreneurship program’ as mediators. This framework examines the relationships of ‘attitude’, ‘subjective norms’, ‘perceived behavioral control’, ‘entrepreneurship program’, ‘access to finance’, and their collective impact on entrepreneurial intentions. Utilizing stratified random sampling, the researchers collected data from 394 students across 23 selected Bangladeshi universities offering entrepreneurship programs encompassing Faculty of Business & Entrepreneurship and Faculty of Science & Engineering. The study employed Structural equation modeling (SEM) for analyzing the data. The findings revealed that there were positive relationships between ‘entrepreneurial intention’ and ‘attitude’, ‘subjective norms’, ‘perceived behavioral control’, ‘entrepreneurship program’, and ‘access to finance’. The findings have practical implications for Bangladesh’s government and educational institutes when it comes to promoting entrepreneurship programs extensively. The empirical results clearly demonstrate that the integration of access to finance and practical entrepreneurship programs significantly boosts the entrepreneurial aspirations of university students, encouraging them to pursue entrepreneurship as a career path. This, in turn, contributes to the advancement of economic sustainability in Bangladesh. These outcomes are consistent with the overarching aims of Sustainable Development Goal 8, which strives to foster continuous economic growth, generate employment prospects, and ensure decent work opportunities, particularly for the youth.
Journal Article
Investigating the Determinants of Islamic Mobile FinTech Service Acceptance: A Modified UTAUT2 Approach
by
Huda, Nasrin
,
Yusof, Mohd Faizal bin
,
Hassan, Md. Sharif
in
Bank technology
,
Banking industry
,
Behavior
2023
Financial technology (FinTech) is leading a worldwide revolution to increase financial access. Bangladesh’s financial sector is entering a new era of innovation due to the country’s rapid embrace of financial technology. Mobile FinTech service (MFS) providers achieve unattainable economic peaks every year. The growth of conventional banks’ MFS is significant. However, Islamic banks have a good market share but cannot attract more customers to use the Islamic MFS. This study aimed to determine the factors influencing Islamic bank customers to accept the Islamic MFS. This study utilized a modified UTAUT2 model. Data were collected from 310 Islamic bank customers by using online Google Forms. Structural equation modeling was employed to analyze the data by SMART PLS 3.2.9. The results revealed that social influence, facilitating conditions, price, and perceived credibility have a significant positive effect on Islamic MFS acceptance. However, performance expectancy and effort expectancy showed no impact on Islamic MFS acceptance. This research framework is helpful for academicians and researchers to investigate FinTech acceptance in developing countries. Moreover, the study results are beneficial for MFS providers and FinTech firms.
Journal Article
Financial inclusion as a catalyst for economic growth: evidence from selected developing countries
by
Khan, Nasir
,
Yusof, Mohd Faizal
,
Hassan, Md. Sharif
in
Banking
,
Business, Management and Accounting
,
Causality
2024
This study examines the connection between economic growth and financial inclusion, with a particular emphasis on Bangladesh, Malaysia, and Pakistan. This study examined data from these nations between 2004 and 2019 using panel data analysis. The findings of the fixed-effect regression showed that financial inclusion had a major and favorable impact on economic growth in each of the three countries. It was also discovered that several other factors, including inflation, population growth, and trade openness, significantly and favorably affect economic growth. According to paired Granger causality tests, the variables had a unidirectional association. The results indicate that financial inclusion contributes to economic growth in Bangladesh, Malaysia, and Pakistan; hence, governments of these nations should develop plans to increase financial inclusion.
Journal Article
Auditing and Sustainability Accounting: A Global Examination Using the Scopus Database
by
Thottoli, Mohammed Muneerali
,
Sobhani, Farid Ahammad
,
Rahman, Shafiqur
in
Academic disciplines
,
Accounting
,
Auditing
2022
Purpose: Sustainability accounting measures performance toward sustainability that ensures accountability of the provision of conventional accounting information. A compliance audit is a thorough examination of a company’s compliance with regulatory requirements. Compliance audit reports assess the strength and diligence of regulatory compliance measures, security guidelines, risk management processes, and user control regulations during a compliance audit and sustainability accounting reports. Auditing plays an important role in ensuring that all financial information-related conventions are followed properly. Hence, the current research aims to explore the conceptual structure in the knowledge of auditing and sustainability accounting using a bibliometric analysis, intending to contribute to a better understanding of this field of study. Design/methodology/approach: This study used bibliometric analysis to examine the research on compliance audits between 2000 and 2021, using a sample of 330 research articles from Scopus databases, with only articles and review papers published on the business subject. This study also examines the applicability of Bradford’s laws and Lotka’s law. Findings: The bibliometric analysis reveals trends in the field of auditing and sustainability accounting research publications, indicating that compliance audit is a developing subject, and it still confronts challenges in mainstream accounting and auditing research. The high proportion of cited articles by a few authors, on the other hand, suggests that compliance audit is still a niche field of study. Between 2009 and 2021, the number of articles increases significantly, and the leading Scopus indexed journals, authors, and collaboration networks are identified. In light of the preceding literature’s views, some significant research gaps and further proposals for future studies are identified. Research limitations/implications: This research analysis is based on data taken only from the Scopus database; some flaws will be apparent in the findings. Originality/value: This research contributes to the area by examining the present advancements of the compliance audit and sustainability accounting, highlighting existing gaps in the literature, and, most importantly, proposing future research for the field.
Journal Article
Does ERP implementation mediate the relationship between knowledge management and the perceived organizational performance of the healthcare sector? Evidence from a developing country
by
Nordin, Norshahrizan
,
Amin, Mohammad Bin
,
Yusof, Mohd Faizal
in
Developing countries
,
developing country
,
Enterprise resource planning
2023
The objective of this paper is to examine the relationships among knowledge management (KM), enterprise resource planning implementation (ERPI) and perceived organizational performance (POP). Besides, ERP implementation is employed as a mediator in this study to determine the impact of KM on POP. A total of 395 responses were received from healthcare sector staff working as Physicians, nurses, medical technicians, and information system-related officers in the 224 Healthcare organizations of Bangladesh. PLS-SEM was used to analyze the data using SMARTPLS 3.2.9 and SPSS applications. The results revealed that KM factors such as knowledge creation (KI), knowledge sharing behavior (KSB), knowledge implementation (KI), and ERP implementation positively affect the POP. In addition, ERPI mediates the relationship between KM factors (KC, KSB, KI) and POP. The study has contributed by investigating the mediating effect of ERPI between KM and POP, which will help academicians and researchers further investigate the effect on other developing countries' healthcare sectors. Moreover, the study results will help to explore insights on knowledge and technology opportunities for healthcare sector stakeholders and policymakers.
Journal Article