Digital Commons Network^™

When Loyalty Intentions Fail: Evidence On The Intention–Behaviour Gap And Customer Retention In Mobile Telecommunications, Danilo Tomšič

Economic and Business Review

This paper quantifies and explains the consumer intention–behaviour gap in mobile telecommunications and shows how it matters for competitive resource allocation. Using a two-wave longitudinal survey of 4887 consumers, I compare stated switching intentions at time t with self-reported provider choice at t + 1 and identify a 15.4% divergence comprising two forms: nonswitching intenders (consumers who intended to switch but did not) and switching nonintenders (consumers who did not intend to switch but did). Binary logistic models reveal temporal asymmetry in determinants. Among nonswitching intenders, higher baseline loyalty (satisfaction, repeat-choice commitment, and recommendation intention) lowers the likelihood of remaining …

Beyond Adoption: How Technology–Organization–Environment Factors Shape The Use Of Social Media Technologies And Performance In B2b Companies, Peter Grabner, Barbara Čater

Economic and Business Review

This study examines how technological, organizational, and environmental factors shape social media technology (SMT) use in business-to-business (B2B) markets and how SMT use relates to customer relationship performance and marketing performance. Building on the technology–organization–environment (TOE) framework, we develop and test a structural model in which perceived simplicity of SMT (technology), SMT strategy (organization), and mimetic competitive pressure (environment) shape SMT use, which in turn affects customer relationship and marketing performance. We collected data with an online survey of 195 marketing and sales professionals from B2B companies in Slovenia. Results indicate that SMT strategy is the strongest predictor of SMT …

Green Information Systems Adoption And Business Outcomes In Ugandan Smes: An Extended Theory Of Planned Behaviour Approach, Sonny Juma Nyeko, Samali Mlay, Cosmas Ogenmungu, Abdallah Ibrahim Nyero

Business Management Review

The study assesses the relationship between TPB antecedents and GIS business outcomes in SMEs, using an expanded TPB framework. Researchers gathered data from SMEs via a survey and analysed it using PLS-SEM. The framework used in the study explains 58.5% of the differences in GIS business outcomes. The results reveal that subjective norms, attitude, benefits, and obstacles are significant predictors of GIS business outcomes such as ecological IT practices, although perceived behavioural control displays an insignificant negative relationship. The study extended the TPB model by incorporating GIS benefits and GIS obstacles as additional factors influencing GIS adoption, business outcomes, …

Smart Service Experience And Consumer Loyalty In Saudi Arabian Smart Hotels: The Mediating Roles Of Tourist Happiness And Value Co-Creation, Fahad M. Alhuqbani

Journal of Global Business Insights

Drawing on Cognitive-Affective System Theory (CAST), this study investigates the mediating roles of tourist happiness and willingness to co-create value in the relationship between Smart Service Experience (SSE) and loyalty among consumers of smart hotels in Saudi Arabia. Data were collected from 367 guests who had stayed in a smart hotel in Saudi Arabia within the past year and analyzed using Partial Least Squares Structural Equation Modeling. The findings reveal that SSE positively influences both tourist happiness and co-creation willingness, which in turn drive guest loyalty. Notably, the affective pathway through tourist happiness exerts a stronger effect on loyalty than …

The Competence Architecture Of Nonprofit Organizations: A Conceptual Model Linking Leadership, Governance, And Human-Capital Systems To Institutional Credibility, Franklin Livingston

Journal of Global Business Insights

Nonprofit organizations are judged through the competence of visible leaders, yet organizational competence is not reducible to the capabilities of any single executive. Reviews of nonprofit capacity report inconsistent associations between organizational capacity and performance. This conceptual article proposes a theoretical explanation for that inconsistency, one that remains compatible with methodological explanations. It develops a model of nonprofit competence architecture in which competence is an output that organizational systems continuously produce, correct, retain, and make visible, not a stock organizations possess. A theory-synthesis design specifies four mechanisms: Leadership-formation systems generate managerial capability; governance systems detect and partially compensate for capability …

Motivation, Empowerment, And Entrepreneurial Intentions: A Pls-Sem Analysis Of Female Students In Algeria, Lotfi Mekhzoumi, Salima Ben Omar, Abderrazak Laouid, Sabrina Chikh-Amnache

Journal of Global Business Insights

This paper investigates the multidimensional nature of women’s empowerment and its impact on entrepreneurial intentions among female students at the University of El Oued, Algeria. It aims to clarify how motivational factors and perceived barriers interact with psychological, social, political, and economic empowerment to shape entrepreneurial aspirations in a developing economy context. A stratified sample of 353 female university students was used for quantitative research. A validated online questionnaire assessed entrepreneurial intention, motivation, empowerment, and barriers. Partial Least Squares Structural Equation Modelling (PLS-SEM) was used to test direct, indirect, and mediating effects between constructs, along with rigorous reliability and validity …

Technological Appropriation As A Strategic Policy In Smes: Building Anticipatory Capabilities For Digital Transformation, Hernán Cornejo

Journal of Global Business Insights

Abstract: Technological appropriation has become a critical strategic issue for small and medium-sized enterprises (SMEs) undergoing digital transformation. While many SMEs adopt digital tools to address immediate operational needs, fewer succeed in embedding them into organizational routines, strategic decision-making, and long-term adaptation. This study examines technological appropriation as a key mechanism through which SMEs convert digital adoption into strategic organizational capability. Drawing on the literature on technological appropriation, dynamic capabilities, and strategic foresight, the paper proposes and empirically tests an integrated model. A mixed-methods design was employed, combining a survey of 198 SMEs from Argentina, Chile, and Colombia with 15 …

The Pickleball Opportunity: A Case Study To Evaluate The Market Demand And Feasibility Of Opening A Private Pickleball Facility, Dene Williamson, Janet Jones

Global Sport Business Journal

This case study explores the market demand and financial feasibility of opening a privately owned, indoor pickleball facility in Warrensburg, Missouri. The central character, Mr. Dink, returns to his rural hometown with the goal of building a community-centric recreational space centered around America’s fastest-growing sport—pickleball. Students are asked to evaluate the business opportunity through comprehensive market research, financial forecasting, and risk assessment. Drawing from comparative data provided by an established facility in Florida, the case challenges students to adapt proven strategies to a smaller, lower-cost market. The case provides a platform to practice feasibility analysis, pricing strategy, break-even modeling, marketing, …

From The President - The Transformative Value Of Our Profession, Melanie E. Mayberry, Dds, Ms-Hcm

The Journal of the Michigan Dental Association

Melanie E. Mayberry, MDA President, reflects on the transformative value of dentistry on both patients and the personal lives of practitioners. The article emphasizes how the dental profession builds stronger communities through service, empathy, mentorship, and continuous learning. Highlighting student and patient resilience in the face of adversity, Mayberry draws inspiration from events like the Kalamazoo Mission of Mercy, where volunteers provided over one million dollars in free dental care. She encourages dentists of all generations to foster a community of belonging, embrace professional evolution, and appreciate the spiritual and personal rewards of their service.

J Mich Dent Assoc Sept. 2026

The Journal of the Michigan Dental Association

Each month, the Journal of the Michigan Dental Association delivers news, information, and features about Michigan dentistry to our state's oral health community and the MDA's 6,200-plus members. It remains the main publication reaching Michigan dentists and is available worldwide through ADA Commons.

The September 2026 (Volume 108, No. 9) issue of the Journal is published in print format to provide updates and insights for Michigan's oral health community and MDA members. Print editions occur every other month beginning with January.

This full compilation of the September 2026 Journal of the Michigan Dental Association features the deans' reports from the …

Offline And Thriving: Understanding The Professional And Personal Lives Of Non-Social Media Users In A Digitally Dominant Era, Bhargava Mantena

Dissertations

Existing research has treated voluntary social media abstinence as the absence of users rather than as a condition worth study. This mixed-methods study examined its psychological and occupational correlates. Adults aged 21 to 65 reporting abstinence from all major platforms for six months or more completed three validated instruments measuring mental well-being, work engagement, and perceived social isolation; a purposive subsample of 12 took part in semi-structured interviews. The analysis set comprised 120 participants, below the 128 indicated by the a priori power analysis. Research Question 1 could not be tested as approved, because no active-user comparison group was recruited; …

Curiosity In Tourism: A Review And Future Directions, Sten Langmann, Pieter Jan Bezemer, Eerang Park, Sangkyun Kim

Research outputs 2022 to 2026

Curiosity increasingly attracts attention in tourism research. However, the field remains conceptually fragmented around what curiosity is and how it works, often pointing to related yet different understandings of the concept. Drawing on an in-depth analysis of 61 peer-reviewed articles, we aim to build a more coherent agenda for future research by answering two core questions: how has curiosity been conceptualised and studied in tourism research, and what gaps and directions emerge from the literature? The analysis reveals that curiosity has been studied in four primary ways in tourism research: an innate motivational driver, a situational mediating state, an outcome …

Is The Crisis Over? Fostering Innovative Work Behavior In Response To The Constant Pressure Of Resource-Deficiency For Street Level Bureaucrats: The Impact Of Psychosocial Safety Climate, Teamwork, And Work Engagement, Yvonne Brunetto, Matthew Xerri, Geremy Farr-Wharton

Research outputs 2022 to 2026

There is conflicting evidence about the pathways Street Level Bureaucrats’ (SLBs’) use to engage Innovative Work Behavior (IWB). This study uses Street Level Bureaucrat (SLB) and Conservation of Resources (COR) to examine the extent to which SLBs’ work engagement and/or burnout mediates the relationship between Psychosocial Safety Climate (PSC) and teamwork, and IWB. The methods comprised a sample of 259 healthcare SLBs (doctors, nurses, allied health) collected at two times, and analyzed using structural equation modeling. The results show that the variance of PSC and teamwork explained a third of engagement, and engagement-burnout mediated the impact of PSC and teamwork …

Investigating How Personal Values Shape Tourism Experiences: A Case Study Of The Irish National Stud And Gardens, Amy Monahan, Ann T. Conway

International Journal of Tour Guiding and Visitor Attraction Research

This Paper explores the relationship between personal values and tourism experiences  that are  satisfying. A case study of the Irish National Stud and Gardens was undertaken in order to explore this concept. Interviews were conducted to investigate how qualities of the attraction appealed to the visitors’ personal values, thereby enhancing the overall visitor experience. A set of personal values were identified which were specific to the destination. The research demonstrated how an understanding of personal values can assist attractions with various aspects of their operations, with context specific recommendations provided at the end. This approach was taken was taken to …

The Influence Of Budgeting And Financial Reporting On Financial Accountability In Religious Organisations: Evidence From Selected Churches In Tanzania, Plasidi Marcel Bayno, Helena Thomas Haule

Business Management Review

Budgeting processes and financial reporting are widely recognised mechanisms for enhancing financial accountability, yet empirical evidence on how these mechanisms influence financial accountability within faith-based non-profit organisations remains limited. Guided by Stewardship Theory and Stakeholder Theory, this study examines the influence of budgeting processes and financial reporting on financial accountability in religious organisations. Using a deductive approach, empirical data were collected from 173 Catholic and Lutheran parishes in Dar es Salaam, Tanzania, yielding a total of 471 valid responses aggregated at the parish level for analysis using Partial Least Square Equation Modeling (PLS-SEM). The findings reveal that both budgeting processes …

Do Dynamic Capabilities Moderate The Effect Of Managerial Attitudes On E-Marketing Adoption? Evidence From Small And Medium Tourism Enterprises In Zanzibar, Hilal Maabad Ame, Omari Khalifa Mbura, Amani Gration Tegambwage

Business Management Review

This study examines the influence of managerial attitudes and dynamic capabilities on e-marketing adoption among Small and Medium Tourism Enterprises (SMTEs) in Zanzibar. Grounded in the Decomposed Theory of Planned Behaviour (DTPB) and Dynamic Capabilities Theory (DCT), the study tests the effects of perceived ease of use, perceived usefulness, compatibility, and perceived security on e-marketing adoption, with dynamic capabilities examined as a moderating factor. Data were collected from 216 SMTEs operating in the Urban and South Regions of Zanzibar and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that perceived ease of use and perceived security …

The Effect Of External Auditors’ Competence And Independence On The Cost-Saving Of Audit Recommendations: Evidence From Tanzanian Local Government Authorities, Lenatusi Leonard L. Munyangabi, Henry Zeno Chalu, Keregero M. Chirongo

Business Management Review

This study examined the effect of external auditors’ competence and independence on the cost-saving of audit recommendations among Tanzanian Local Government Authorities (LGAs). Persistent non-implementation of audit recommendations in developing countries raises concerns regarding the extent to which audit reports contribute to fiscal prudence and resource efficiency. Grounded in the Theory of Inspired Confidence and Stewardship Theory, the study hypothesized that competent and independent auditors enhance the cost-saving potential of audit recommendations. A descriptive-explanatory design was employed, involving 345 respondents drawn from 126 selected LGAs. Data was collected using structured questionnaires and analyzed through multiple regression analysis. Both independent variables …

Moralized Indulgence In The Age Of Inflation: How “Better-For-You” Dessert Brands Reframe Pleasure As Self-Care, Dariya Savrukova

Honors College Theses

In the modern U.S. food landscape, the line between indulgence and wellness has nearly disappeared. The booming “better-for-you” dessert industry, owned primarily by multinational giants such as Mondelēz International, PepsiCo, and Mars Inc., reframes high-sugar, high-calorie treats as acts of self-discipline or self-care. This phenomenon is often referred to as “healthwashing” (Tufts Health & Nutrition Letter, 2022), when through verbal and visual language, these companies transform indulgence into moral consumption, inviting consumers to feel virtuous through consumption. Many consumers crave stability and health, but navigate an environment saturated with manipulative design and ambiguous claims. “Better-for-you” branding exploits this gap by …

A Discrepancy Evaluation Of Workforce Capacity And Emerging Skills: A Utah Case Study, Lendel K. Narine, Paul A. Hill, Andreé Walker-Bravo

Extension Research

This study examined employer-perceived competency discrepancies, anticipated competency requirements, hiring barriers, and valued educational experiences in Utah. Survey data were collected between September and October 2025 from 226 individuals with hiring responsibility in Utah-based organizations. The Ranked Discrepancy Model (RDM) quantified discrepancies between respondents’ ratings of competency importance and their satisfaction with demonstrated employee proficiency. Respondents reported the largest discrepancies for time management, critical thinking, conflict resolution, ethical judgment, and verbal communication of ideas. Respondents rated communication, collaboration, analytical thinking, and lifelong learning highest among competencies anticipated to matter most over the next five to ten years. Most employers identified …

Spiraling Up, Spiraling Down: A Multi-Level Study Of Social Value Creation And Community Capitals In A Mexican Social Enterprise, Karla M. Corres Luna

Graduate Doctoral Dissertations

This dissertation examines how a social enterprise creates social value and, through the same intervention, erodes it in the communities it serves. Research on social entrepreneurship has theorized value largely from the organizational viewpoint, measured it at a single point in time, and rested on an unexamined aggregation assumption: that gains delivered to individual households sum into well-being at the level of the community. This study holds that assumption up to community-level, participant-centered evidence. Through three qualitative studies of a participatory housing model implemented by a social enterprise in two informal settlements in Querétaro, México, it analyzes social value creation …

Scrolling, Following, Deciding: The Hidden Power Of Digital Influence On Wise Financial Decision, Nur Fatihah Muhamad Irwan, Wan Rasyidah Wan Nawang

International Journal of Management, Finance and Accounting

The effect of social media and digital influencers on financial behaviours has been well documented, but there is yet any solid evidence of their role in driving wise financial decision-making among Malaysians in particular. This study hence sets out to examine the impact of social media engagement and parasocial interaction in shaping financial attitudes, and the influence of financial attitude, subjective norms, and perceived behavioural control on the intention to practice wise financial decision-making. The mediating role of financial attitude was also studied, specifically in the link between social media engagement, parasocial interaction, and intention. A total of 250 Malaysian …

Impact Of Environmental, Social, And Governance (Esg) Practices On The Stability And Profitability Of Financial Institutions In Malaysia, Sharifah Najihah Syed Ishar, Sharifah Fairuz Syed Mohamad, Nurul Sima Mohamad Shariff, Mazlynda Md Yusuf

International Journal of Management, Finance and Accounting

This study examines how Environmental, Social, and Governance (ESG) activities affect the stability and profitability of Malaysian financial institutions, in light of the country's growing emphasis on sustainable finance. Using annual data from 2014 to 2024, the study focuses on three main objectives: assessing whether stronger ESG practices enhance financial stability, identifying the most influential ESG pillar among environmental, social, and governance components, and evaluating whether ESG performance affects profitability. This study employs random-effects panel regression with robust standard errors, yielding empirical evidence relevant to Malaysia’s dual banking landscape. The results show that stronger ESG performance raises the stability of …

"Why Do Students Save Less?” A Study Of The Determinants Of Saving Intentions And Behaviours Among Undergraduate Students, Rna Hamza Ahmed Eissa, Chi Hau Tan, Ben Hou

International Journal of Management, Finance and Accounting

Despite the issue of low savings being a serious concern, limited research has been conducted on students’ saving behaviour in Malaysia, especially when it comes to private universities. This research focuses on examining factors that affect saving behaviour among undergraduate students at a private university in Malaysia, in reference to the Theory of Planned Behaviour. A mixed-method design was applied. Quantitative research was conducted, in which 122 valid responses were collected via an online survey and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). In addition, qualitative research with 11 respondents was conducted, and the data were analysed using …

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 …

A Systematic Review Of Factors Influencing The Adoption Of Artificial Intelligence For Training And Development In The Nigerian Banking Sector, Adekanye Fareedah Oyelola, Arnifa Asmawi, Rathimala Kannan

International Journal of Management, Finance and Accounting

Artificial intelligence (AI) is revolutionising human resource management through automation, data-driven decisions, personalised learning, and improved skills-gap detection. Nevertheless, AI adoption in training and development (T&D) programs in the Nigerian banking sector remains low. Therefore, this situation has become a barrier to the development of human capital and to digital transformation. This systematic literature review aims to identify the factors influencing AI adoption in T&D within Nigerian banks and then to analyse the interrelationship among the constructs. This review also examines the mediating role of T&D-AI Fit between influencing factors and AI adoption in T&D. The study uses the Task–Technology …

Understanding Trust As A Mediating Mechanism In Ai-Based Medical Tools And Clinical Decision Processes, Shanthi Isparan, Seow Ai Na, Chang Jing Jing, Hew Jun Jie

International Journal of Management, Finance and Accounting

The growing integration of artificial intelligence (AI) in healthcare has transformed clinical decision-making. Nevertheless, doctors’ engagement with AI-based tools remains hindered, particularly due to trust-related concerns. The purpose of this study is to examine the factors influencing doctors’ engagement with AI-based medical tools, with a focus on the mediating role of trust within the Unified Theory of Acceptance and Use of Technology (UTAUT). Data were collected from 197 doctors in Selangor and Kuala Lumpur through a structured survey and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS 4 software. The findings reveal that performance expectancy, effort expectancy, …

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 …

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 …

The Intersection Of Sport Betting And Consumer Behavior: A Systematic Review, Jackson Sears, Beth Cianfrone

UNLV Gaming Research & Review Journal

Sport betting is a popular and lucrative entertainment segment of the sport industry. As such, understanding consumer behavior across the betting experiences is critical for the many stakeholders involved. The current study is a systematic quantitative literature review which assesses the current state of literature that intersects sport betting and consumer behavior literature, specifically cognitive, affective, conative, and consumption behavior of the sport bettors. The purpose of the systematic review is to (1) identify the most recent sport betting consumer behavior research, (2) compile and examine theoretical frameworks guiding sport gambling consumer research, (3) provide a descriptive summary of findings …

The Impact Of Mobile Financial Inclusion On The Performance Of Savings And Credit Cooperative Societies (Saccos) In Tanzania, Penina Benjamin Waryoba

Business Management Review

This study examined the influence of Mobile Financial Inclusion (MFI) on the Performance of SACCOs business (PSB) in Dar es Salaam, Tanzania. Through the Resource-Based View (RBV), the study assessed how the ability to save money (SM), transfer money (TM), and access to financial information Access (FIA) shape PSB as guided by the Theory of Planned Behavior (TPB). The data were collected from 226 SACCOs using mail survey self-administered questionnaires, and analyzed using Structural Equation Modeling (SEM) in Smart-PLS. The findings reveal that all three independent variables SM, TM, and FIA positively and significantly, enhanced PSB. The results further show …