Finance and Financial Management Commons^™

Analysis Of The Determinants Of Buy-Now-Pay-Later Payment Mode Among Malaysians In Klang Valley, Wai Zhi Tay, Chi Hau Tan

International Journal of Management, Finance and Accounting

The Buy Now, Pay Later (BNPL) service has become increasingly popular in Malaysia in recent years, especially in the Klang Valley. The BNPL service offers consumers a more convenient payment method and access to credit, raising concerns about increased household debt and financial vulnerability. In this study, this paper used financial literacy, perceived risk, credit attitude, and economic vulnerability to examine which factors influence the intention to use the BNPL payment mode. The Theory of Planned Behaviour (TPB) is used to explain the factors influencing consumers’ intention to use BNPL services. This study adopts a quantitative research design and collects …

Dividend Yield Modelling And Forecasting Under The Wilkie Investment Model With Inflation Effects: Evidence From Malaysia, Ilya Adlina Abd Halim, Norizarina Ishak, Siti Raihana Hamzah, Ahmad Fadly Nurullah Rasedee

International Journal of Management, Finance and Accounting

This study uses the Wilkie Investment Model in the context of the Malaysian stock exchange, incorporating inflation as a significant factor in explaining investment behavior in line with local economic conditions. Although the Wilkie model is broadly utilised in actuarial science and has been assessed in many developed countries, its use in emerging markets such as Malaysia is still limited. Based on historical data from Malaysia, both the dividend yield and inflation series were revealed to be stationary using the Augmented Dickey-Fuller (ADF) test. Therefore, the series is applicable for time series analysis. The study used Malaysian data to estimate …

From Digital Readiness To Employability: Mediating Role Of Artificial Intelligence Competence And The Moderating Influence Of Policy Support Among Malaysian Graduates, Fraz Arshed Butt, Abdelhak Senadjki, Hui Nee Au Yong

International Journal of Management, Finance and Accounting

The fourth industrial revolution (4IR) emphasises the demand for graduates with both digital readiness and artificial intelligence (AI) skills, which are aligned with labour market demands. Although prior studies link digital skills to employability, empirical evidence is scarce, and there is little research on how digital readiness translates into employment outcomes in AI-driven, particularly developing, economies. Hence, considering AI competence as a mediating mechanism and government policy support as a moderator, this study investigates the effects of digital literacy, technological self-efficacy, and digital learning engagement on graduate employability. Grounded in human capital theory, social cognitive theory, and institutional theory, this …

What Drives Consumers To Use Insurtech Apps? The Role Of Insurance Literacy, Jia Chun Chia, Hui Shan Lee, Bik Kai Sia

International Journal of Management, Finance and Accounting

Although financial technology has spread worldwide, the adoption of InsurTech in Malaysia is still low because of the knowledge-action gap, in which people continue to use traditional agents. This study examines the factors that determine behavioral intention to use InsurTech apps by incorporating the Unified Theory of Acceptance and Use of Technology (UTAUT) and including a novel insurance literacy factor. A cross-sectional quantitative research design was adopted, and 406 valid responses were gathered from 406 Malaysian Generation Z individuals and analyzed using partial least squares structural equation modelling (PLS-SEM). The findings indicate that the model explains 58% of the variance …

Impact Of Green Finance On Environmentally Sustainable Development Goals, Shu Min Loh, Hui Shan Lee, Leong Mow Gooi, Suwen Xie

International Journal of Management, Finance and Accounting

In this context, climate change represents a real phenomenon with significant implications for economies, industries, and societies worldwide. In the context of the Regional Comprehensive Economic Partnership (RCEP) agreement, these implications are significant, given that the countries in question cumulatively account for a considerable share of global emissions, energy consumption, and industrial production. As these countries aim for a carbon-neutral future and continue the path toward the achievement of the Sustainable Development Goals (SDGs) set for 2030, the question for these countries, therefore, is not whether they should act but how they can act in a sustainable manner toward a …

Pricing Under Pressure: Cost Volatility, Customer Affordability And Value Perception In Micro And Small Food Businesses, Fadhlur Rahim Azmi, Nursyahwani Mohd Sukri, Maciej Woźniak, Haslinda Musa

International Journal of Management, Finance and Accounting

This study examines how micro and small food businesses make pricing decisions under cost volatility, customer affordability pressure, and value perception constraints. Drawing on semi-structured interview evidence from 12 Malaysian micro and small food and beverage businesses, this study adopts an interpretive qualitative multiple-case design. The data were analysed using thematic analysis and cross-case comparison, with dynamic capabilities as an interpretive lens. The findings show that pricing is not a simple cost-plus calculation or the application of a single pricing method. Instead, micro and small food businesses practice adaptive hybrid pricing by combining cost awareness, competitor reference, affordability judgment, value …

Knowledge Spillovers, Related And Supporting Industries, And Government Intervention: An Integrated Framework For Cluster-Driven Corporate Innovation, Qinying Lei, Lai-Ying Leong, Annie Cheng San, Ng

International Journal of Management, Finance and Accounting

Late-developing inland clusters face a notable innovation paradox, in which substantial industrial capacity coexists with weak firm-level innovation. Existing research identifies knowledge spillovers, related and supporting industries, and government intervention as major external drivers of innovation, but pays limited attention to how these external conditions are transformed into corporate innovation capability. Drawing on Regional Innovation System Theory, Dynamic Capability Theory, and Porter’s Diamond Model, this study develops an integrated framework comprising seven propositions on direct effects, mediated pathways, and contextual variation. It proposes that cluster performance, defined as the effectiveness of cross-organisational coordination, mediates the relationship between external cluster conditions …

Neo Banking Adoption Among Banking Customers: An Empirical Study Using Pls-Sem, Sree Bhoojitha V, Vishnucharan N S

Journal of Global Management Research

The rapid advancement of financial technology has fundamentally transformed the banking landscape, giving rise to neo banks — fully digital banking platforms operating without physical branches. Despite the growing significance of neo banking in India, customer awareness and adoption remain evolving areas requiring systematic investigation. This study, titled "Study on Neo Banking Adoption by Banking Customers," examines customer awareness, usage patterns, satisfaction levels, and the key factors influencing adoption intention of neo banking services. Grounded in the Technology Acceptance Model (TAM), the study incorporates Perceived Usefulness, Perceived Ease of Use, and Trust as independent variables influencing Neo Banking Adoption Intention. …

A Study On The Usage Of Digital Technology For Personal Financial Planning: A Comparative Study Among Generation Y And Z, Saraswathy N.S, Srinidhi Sundar

Journal of Global Management Research

No abstract provided.

Integrating Circular Economy Principles Into Sustainable Supply Chain Management- A Comparative Study Of Agriculture, Healthcare, And Asset Management, Blessy Milca I, Purushothaman R, Mariofanna Milanova

Journal of Global Management Research

Sustainable supply chain management (SSCM) is a vital strategy for reducing environmental impact while improving efficiency. This study examines the integration of circular economy principles into SSCM across agriculture, healthcare, and asset management. Using a comparative approach, it identifies sector-specific challenges and best practices in resource utilization, waste minimization, and closed-loop logistics. Circular strategies—such as resource recovery, product life extension, and sustainable redesign—are explored as pathways to ecological balance and long-term viability. The role of digital technologies is emphasized: IoT enables data-driven decision-making through sensor networks and real-time monitoring, while blockchain provides transparency, traceability, and secure transactions, strengthening trust in …

Financial Viability Of Electric Vehicle Manufacturing Ventures In India: A Mixed-Method Assessment Of Profitability, Liquidity, Capital Structure, Funding And Policy Support, Prabhakar Raju Rudra Raju

Journal of Global Management Research

India's electric-vehicle (EV) transition is creating a rapidly expanding manufacturing opportunity while simultaneously exposing young and scaling firms to unusually high capital requirements, uncertain cash flows, technology risk and policy dependence. This study examines the financial viability of selected Indian EV manufacturing ventures by integrating financial performance evidence with funding, operational and policy perspectives. The analysis covers five firms representing electric two-wheelers, buses and commercial three-wheelers: Ather Energy, Ola Electric, Olectra Greentech, Altigreen and Euler Motors. The study follows the mixed-methods design documented in the underlying project, combining financial-ratio and trend analysis with stakeholder discussions, industry evidence and policy-document analysis. …

Theories, Elements, And Value Creation In Higher Education Under Nep 2020: A Systematic Literature Review Through The Lens Of Educational Technology, Leema Christina J., Alamelu R., Hariharan M., Samar Muti Dr

Journal of Global Management Research

In order to transform Indian higher education system, the National Education Policy (NEP) 2020 gives an innovative approach, which is with a great aim of making Indian education system into a global level. NEP 2020 will bring a major change in educational sector by adopting technology which will make the education as more adaptable and flexible in nature to meet out the needs of the learners. This paper discusses about the learning theories and organizational theories, which are highly relevant to education and taken key identification from the theories. Key elements were discussed in this paper by correlating theories’ key …

Harnessing Artificial Intelligence For Real-Time Innovation In Upstream Oil And Gas: A Data-Driven Framework For Early Detection Of Lost Circulation Incidents, Gnana Allan Whinney Gnanapragasam

Journal of Global Management Research

Artificial intelligence (AI) and machine learning are reshaping upstream oil and gas operations, yet their value depends less on algorithmic sophistication than on converting heterogeneous sensor streams into timely operational decisions. This study develops and evaluates an AI-enabled framework for early detection of lost circulation incidents (LCIs) during drilling, positioning this safety-critical use case within the broader innovation architecture of upstream operations. Uncontrolled drilling-fluid losses generate non-productive time, well-control risk, and substantial cost. The empirical component uses historical surface drilling data from approximately 200 wells that experienced severe or total losses, recorded at an average frequency of 0.2 Hz (one …

It Takes Two To Tango. Capital Constraints And Bank Lending In Poland, Marcin Czaplicki

Journal of Banking and Financial Economics

The implementation of post-crisis (Basel III) capital requirements in 2015, followed by the introduction of the banking tax in 2016, marked a turning point for the loan-to-GDP ratio in Poland. Since Q4 2015, this ratio has declined by almost one-third, while the ratio of banks’ assets to GDP has remained relatively stable. However, the composition of bank assets has shifted – from corporate lending toward an increased share of sovereign bonds and retail loans, particularly mortgages.

This article explores the key drivers behind this structural shift. Using a combination of qualitative insights and quantitative analysis – including dynamic panel data …

Entire Volume Journal Of Banking And Financial Economics 2026, 1(25)

Journal of Banking and Financial Economics

Entire Volume Journal of Banking and Financial Economics 2026, 1(25)

New Trends In Banking And Financial Markets. Opening Remarks, Sylwia Frydrych

Journal of Banking and Financial Economics

New Trends in Banking and Financial Markets. Opening Remarks

The Impact Of Ceo Sociopolitical Activism On Firms’ Financial And Stakeholder Outcomes: A Critically Appraised Topic, Philip R. Stuczynski

Engaged Management ReView

In recent years, CEO activism has emerged as a highly visible and controversial form of executive communication. This structured literature review examines 23 peer-reviewed, ABS-rated articles published between 2017 and 2025, with the goal of synthesizing what researchers have learned about the effects of sociopolitical speech by corporate leaders. Drawing on studies from strategy, management, accounting, and finance journals, this paper explores how CEO-initiated public commentary influences investor reactions, firm performance, and stakeholder sentiment. Using the PICOC framework, the review defines CEO activism as executive speech or public commentary on controversial social or political issues which may be unrelated to …

A Sustainability Index For Airlines: A Kpi-Based Framework For Benchmarking Environmental Performance, Craig Dedrick

Discovery Day - Daytona Beach

The aviation industry faces increasing pressure to reduce its environmental impact, yet standardized methods for evaluating airline sustainability performance remain limited. This study proposes a structured sustainability index designed to benchmark airline environmental strategies using fourteen key performance indicators (KPIs) derived from publicly disclosed corporate sustainability and annual reports. To improve analytical clarity, the KPIs are organized into seven conceptual clusters capturing distinct dimensions of environmental performance: strategic governance and commitment, operational and fleet efficiency, the sustainable aviation fuel (SAF) ecosystem, emissions reduction and climate mitigation outcomes, carbon management and neutralization, energy transition and electrification, and environmental pollution and resource …

Ai-Driven Predictive Analysis Of Airline Profitability Under Macroeconomic And Sustainable Aviation Fuels, Shivika Singh

Discovery Day - Daytona Beach

This study presents an AI-enhanced predictive model to assess airline profitability under the combined influence of macroeconomic trends and the adoption of sustainable aviation fuel (SAF). By including economic indicators such as GDP growth, inflation rates, and fuel price volatility with airline operational data, including ticket prices and fuel costs, the model simulates profitability across multiple carriers. Scenario-based analyses, encompassing optimistic, moderate, and pessimistic projections, illustrate different financial sensitivities between low-cost and legacy airlines.

Assessing And Addressing Financial Risk In Capitated Primary Care Contracts, Michael R. Wieck Dba, Laurence Smith, Steven R. Stout Dba

Engaged Management ReView

We employ multivariate statistical modeling and Monte Carlo simulation to study systematic and unsystematic financial risk faced by physician groups under capitated contracts with Medicare Advantage Organizations (MAOs). We use mixed methods and a standard reimbursement formula for risk-sharing contracts with primary care physicians (PCPs). We find that diversifying risk simply by increasing the size of a practice is insufficient to mitigate risks of large negative cash flows from capitation contracts and can result in financial failure. However, if use of costly medical services by patients is reduced from levels typically experienced under traditional Medicare to the levels of patients …