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All Journal Gadjah Mada International Journal of Business Jurnal Aplikasi Manajemen, Ekonomi dan Bisnis
Zunarni Kosim
Universiti Utara Malaysia
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Driving Adoption of Islamic Wealth Accumulation Products: The Impact of Financial Literacy, Information Technology, Cost and Benefit among Corporate Customers In Pakistan Muhammad Faheem Arshad; Lim Chee Chee; Zunarni Kosim
Jurnal Aplikasi Manajemen, Ekonomi dan Bisnis Vol. 7 No. 2 (2023): Jurnal Aplikasi Manajemen, Ekonomi dan Bisnis
Publisher : STIM LASHARAN JAYA MAKASSAR

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51263/jameb.v7i2.163

Abstract

This research aims to assess the influence of Islamic financial literacy, information technology and intentions to adopt Islamic wealth accumulation products, and the moderating effect of cost and benefit on the relationship between Islamic financial literacy, information technology and intentions to adopt Islamic wealth accumulation products. The data was collected from 395 corporate customers in major cities of Pakistan. The research employed a quantitative approach and analysed the data using structural equation modelling through SmartPLS. The outcomes of the research indicate that Islamic financial literacy and information technology have a significant positive effect on the adoption of Islamic wealth accumulation products. The study also found that cost and benefit play a significant moderating role in the relationship between the Islamic financial literacy, information technology and intentions to adopt Islamic wealth accumulation products. Based on the findings, it is recommended that financial institutions should focus on increasing Islamic financial literacy and providing advanced information technology to corporate customers to boost their intentions to adopt Islamic wealth accumulation products. Furthermore, the research emphasizes the need to consider the perceived cost and benefit of the product when designing effective marketing strategies to promote the adoption of Islamic wealth accumulation products. The outcomes of this research can assist financial institutions in comprehending the factors that impact the adoption of Islamic wealth accumulation products among corporate customers in Pakistan and developing effective marketing strategies to encourage their adoption.
Determinants of digital financial inclusion in enhancing financial well-being among poor households: Evidence from Malaysia Lu Ming Pey; Zunarni Kosim; Yong Kang Cheah
Gadjah Mada International Journal of Business Vol 28, No 1 (2026): January
Publisher : Master in Management, Faculty of Economics and Business, Universitas Gadjah Mada

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22146/gamaijb.116140

Abstract

This study examines the factors influencing financial well-being and investigates the mediating role of digital financial inclusion among households with incomes below the national poverty line in Malaysia. The study used Partial Least Squares Structural Equation Modelling (PLS-SEM) and Importance-Performance Map Analysis (IPMA) to estimate the results. This study collected 1,171 responses and found that digital literacy, digital financial service infrastructure, and financial service providers were determining factors of digital financial inclusion. Financial service providers and digital financial inclusion showed a significant relationship with financial well-being. Mediation analysis showed that digital literacy, digital financial service infrastructure, and financial service providers indirectly affected financial well-being through digital financial inclusion. The results of the IPMA showed that financial service providers and digital financial inclusion were the most important factors in achieving financial well-being. Furthermore, financial service providers were the key factor of digital financial inclusion in high-poverty states, while digital literacy was a key factor in moderate- and low-poverty states. The study offers insights for policymakers working towards an inclusive society and provides financial service providers with information to design services that meet the needs of poor households. This study also offers important implications for other developing countries in Southeast Asia that share similar socio-economic and digital challenges.
Co-Authors Lim Chee Chee Lu Ming Pey Muhammad Faheem Arshad Yong Kang Cheah