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Full-Text Articles in Organizational Behavior and Theory

Working Mothers Of Children With Disabilities: Professional And Social Identity Negotiation, Christy D. Boyles Dec 2026

Working Mothers Of Children With Disabilities: Professional And Social Identity Negotiation, Christy D. Boyles

Dissertations

Women who have children with disabilities may struggle with both employment and childcare, and have barriers to re-entering the workforce. One struggle is the role identification and negotiation that occur when one transitions from one role to another. This research sought to answer the following questions: RQ 1. How does professional identity influence the “return to work” decisions for mothers who have children with disabilities? RQ 2. How do working mothers of children with disabilities negotiate their identities as caregivers and professionals? RQ 3. What other emerging factors affect women’s decisions to return to the workforce? A purposeful sample of …


Team-On-Team Negotiation: How Internal Structure Shapes What Teams Can Do At The Table, Leyi Holly Shi, Tianyu He, Robert B. Lount Jr., Michael Schaerer, Roderick I. Swaab Dec 2026

Team-On-Team Negotiation: How Internal Structure Shapes What Teams Can Do At The Table, Leyi Holly Shi, Tianyu He, Robert B. Lount Jr., Michael Schaerer, Roderick I. Swaab

Research Collection Lee Kong Chian School Of Business

Team negotiation research presents a paradox: teams sometimes achieve more integrative outcomes than solo negotiators, yet in other cases they escalate competitiveness and harm relational outcomes. Existing theory has not resolved this inconsistency, in part because it treats negotiating teams as if they could change positions as easily as individual negotiators. We argue this assumption overlooks a central constraint of team-on-team negotiation: before any adaptive external exchange can occur, teams must internally authorize revisions to their positions as new information emerges. Drawing on evidence from research on team negotiation, multiparty negotiation, and team design, we identify this internal capacity as …


The Efficient Market Hypothesis In Youth Entrepreneurship: Understanding, Application, And Contextual Factors — A Systematic Literature Review, Omari Khalifa Mbura Prof,, Binto M. Binto Sep 2026

The Efficient Market Hypothesis In Youth Entrepreneurship: Understanding, Application, And Contextual Factors — A Systematic Literature Review, Omari Khalifa Mbura Prof,, Binto M. Binto

Business Management Review

This systematic literature review explores how youth entrepreneurs understand and apply the Efficient Market Hypothesis (EMH) in their decision-making, and examines the contextual factors influencing the decision-making nexus. Guided by a post-positivist framework, the review synthesises extant literature across youth entrepreneurship, finance, and digital strategy to map emerging themes and identify knowledge gaps. It covered a sample of 38 peer-reviewed articles, selected in accordance with the PRISMA guidelines. Findings of the systematic literature review show that youth entrepreneurs' engagement with EMH is largely experiential and indirect, influenced by digital literacy, social learning, and the realities of rapidly changing market environments. …


Strategic Judgment In Leadership Decision-Making: Evaluating Ai In Organizational Contexts, Cate Wengelnik Sep 2026

Strategic Judgment In Leadership Decision-Making: Evaluating Ai In Organizational Contexts, Cate Wengelnik

Southwestern Business Administration Journal

This paper presents a classroom-based approach for teaching strategic judgment in leadership decision-making through the evaluation workplace communication and incorporates the use of artificial intelligence (AI). As AI tools become more common in organizational settings, leaders and employees must be prepared to assess outputs that may appear professional while containing inaccurate, unsupported or potentially risky information. This paper describes an instructional case in which students examine an AI-generated response to an employee inquiry about workplace accommodations and Human Resources related matters. Students (1) evaluate the message for clarity, tone and apparent usefulness, then (2) analyze the organizational risks created when …


People Orientation And Thing Orientation In Business Majors: Implications For Assessing The Impacts Of Cross-Functional Business Program Curricula, Todd J. Hostager, David A. Christopher, Kristy J. Lauver, Christopher Knowles Sep 2026

People Orientation And Thing Orientation In Business Majors: Implications For Assessing The Impacts Of Cross-Functional Business Program Curricula, Todd J. Hostager, David A. Christopher, Kristy J. Lauver, Christopher Knowles

International Journal for Business Education

Background/Introduction/Purpose:  Prior research documented significant differences in people orientation and thing orientation (PTO) based on type of major and sex.  This study examines a set of measures for helping business programs to assess whether they are producing graduates equipped to consider both people and things when making decisions, regardless of their major or sex.

Methods/Design:  Students in a strategic management capstone course spent a single 75-minute session responding to a brief new venture pitch by identifying what types of additional information they would need to decide whether to invest in the business.  Three Likert-scaled options gauged the extent to participant …


Teaching Communication And Teamwork Under Pressure: An Experiential Activity Using Keep Talking And Nobody Explodes, Bryan L. Rogers, Cody Logan Chullen, Brian Waterwall Sep 2026

Teaching Communication And Teamwork Under Pressure: An Experiential Activity Using Keep Talking And Nobody Explodes, Bryan L. Rogers, Cody Logan Chullen, Brian Waterwall

International Journal for Business Education

Background/Introduction/Purpose: The purpose of this paper is to present an experiential classroom activity designed to help students develop communication and teamwork skills under conditions of time pressure and information asymmetry.

Methods/Design: This paper presents a teaching activity rather than an empirical study; no research design, sample, instruments, or analytic procedures are reported. The paper describes and contextualizes an experiential learning activity using the cooperative video game Keep Talking and Nobody Explodes. Drawing on research in experiential learning, cooperative learning, and simulation-based instruction, the paper outlines learning objectives, materials, implementation procedures, observer roles, and structured debriefing strategies suitable for undergraduate and …


The Impact Of Social Expectations And Gender Norms On Women Leaders' Marital And Partner Relationships And Their Influence On Workplace Outcomes, Hedi Kovacs-Resnik Sep 2026

The Impact Of Social Expectations And Gender Norms On Women Leaders' Marital And Partner Relationships And Their Influence On Workplace Outcomes, Hedi Kovacs-Resnik

Economic and Business Review

Leadership sustainability among women remains insufficiently explained in leadership research, as dominant models prioritise workplace factors, neglecting the role of private-life demands. This research explored how social expectations and gender norms influence women's private lives and how the emotional impact spills over into their leadership style and performance, thereby influencing their career progression. Using a qualitative design and thematic analysis of 18 interviews with women in leadership roles, the research examined what it means to lead while also navigating family and relationships.
The findings revealed that the boundaries between women's private and professional lives are almost nonexistent. Professional success often …


The Competence Architecture Of Nonprofit Organizations: A Conceptual Model Linking Leadership, Governance, And Human-Capital Systems To Institutional Credibility, Franklin Livingston Sep 2026

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 …


Professionalism And Performance Expectations In The Modern Aviation Industry, Anayah Smith, Spencer Baldock Spencer Baldock Aug 2026

Professionalism And Performance Expectations In The Modern Aviation Industry, Anayah Smith, Spencer Baldock Spencer Baldock

Discovery Day - Daytona Beach

The aviation industry operates as a highly regulated, safety-critical environment in which professionalism and consistent performance are essential to maintaining operational safety and reliability. However, emerging shifts in workforce composition, communication styles, and technology integration have created misalignment between traditional professional standards and evolving employee expectations. Established aviation cultures emphasize structured procedures, formal feedback mechanisms, and communication hierarchy, while newer entrants, shaped by digital communication norms and contemporary academic environments, often expect continuous feedback, collaborative leadership, and adaptive performance evaluation. Prior research on crew resource management, human error frameworks, and generational work values highlights how inconsistencies in communication, feedback expectations, …


Repairing Workplace Trust: A Process-Based Classroom Exercise For Management Education, Luke A. Langlinais Ph.D. Aug 2026

Repairing Workplace Trust: A Process-Based Classroom Exercise For Management Education, Luke A. Langlinais Ph.D.

Posters

Trust is essential in every workplace, but conflicts, mistakes, and broken promises are inevitable. This project develops an experiential classroom exercise in which students diagnose workplace trust violations, examine the perspectives and emotions of both parties, and practice selecting and communicating evidence-based reparative actions. The exercise translates organizational behavior research into a practical learning experience that develops not only managerial competence but also the character, empathy, and relational wisdom needed to build healthy organizations and promote human flourishing.

I gratefully acknowledge peer review feedback on this project, and I am accountable for writing of this product without generative AI and …


From The Editor's Desk, Heather S. Mcmillan Jul 2026

From The Editor's Desk, Heather S. Mcmillan

Journal of the North American Management Society

No abstract provided.


Charismatic Leaders Role And Challenges During Crises, Tamer Hassan Abutahoun Phd Jul 2026

Charismatic Leaders Role And Challenges During Crises, Tamer Hassan Abutahoun Phd

Journal of the North American Management Society

Since the first article about charismatic leadership by Weber was issued in 1946, numerous pieces of research have been published discussing several aspects of charismatic leadership. One of these aspects is the role of the charismatic leader during crisis and whether it is being impacted by crises or emerged during crises. Several articles have been published to investigate the role of charismatic leadership during crises along with how individuals perceived charismatic leadership during crises. Most of these articles utilized case studies to investigate the former mentioned relationship. However, each of these studies investigated the relationship between crises and charismatic leadership …


Navigating Ai Landscape In Management Education Through Wu-Wei (無為), Maria Ll Lam Jul 2026

Navigating Ai Landscape In Management Education Through Wu-Wei (無為), Maria Ll Lam

Journal of the North American Management Society

Artificial intelligence (AI) is challenging how knowledge is produced, validated, and taught in higher education. This creates both new opportunities and acute tensions in management education. While management educators aim to foster critical thinking and character development, many students are increasingly relying on AI tools and focusing on developing AI-related skills for the labor market. The required market skills often exceed what current business curricula provide. As higher education seeks to cultivate transferable habits of critical reflection, a central question arises: How can management educators prepare students to engage in ongoing moral reflection about their experience with evolving AI systems …


Potential Discriminatory Practices Related To Working Remotely, David M. Savino, Danielle C. Foster Jul 2026

Potential Discriminatory Practices Related To Working Remotely, David M. Savino, Danielle C. Foster

Journal of the North American Management Society

There are numerous implications of the recent "return to the office" push, including evolving influences on corporate culture, job redesign, the role of technology, and the significant potential for unequal treatment and discrimination. Recent research and studies indicate that the workers involved in remote work are most likely to be women, workers of color, and the disabled. While remote work is not a protected classification under state or Federal law, these individuals are members of protected classes as determined by fair employment law. Therefore, disputed and evolving policies regarding the use of remote work related to these individuals could easily …


The Strategic Role Of Frontline Sales Personnel In Semiconductor Manufacturing Markets, Daisuke Yahiro Jul 2026

The Strategic Role Of Frontline Sales Personnel In Semiconductor Manufacturing Markets, Daisuke Yahiro

Jesselton Journal of Educators and Scholars

This study examines the strategic role of frontline sales personnel within semiconductor manufacturing environments characterized by technological volatility, operational interdependence, and evolving customer demands. Drawing upon emergent strategy, strategy-as-practice, and organizational sensemaking perspectives, the study explores how frontline personnel contribute to organizational responsiveness and strategy formation beyond conventional execution-oriented roles. A qualitative interpretive research design grounded in pragmatism and symbolic interactionism was adopted. Data were collected through semi-structured interviews involving 12 participants engaged in semiconductor manufacturing sales, customer coordination, and managerial activities in Japan. The findings reveal that frontline personnel function as strategically embedded organizational actors who contribute to operational …


The Character Fractal: A Theory Of Virtue Replication In Organizations, Kevin Davis, Scott Kozlak, Matthew M. Orlowsky, David Levy Jul 2026

The Character Fractal: A Theory Of Virtue Replication In Organizations, Kevin Davis, Scott Kozlak, Matthew M. Orlowsky, David Levy

The Journal of Values-Based Leadership

Organizational ethics has long been treated as an individual problem requiring individual solutions: the right traits, the right training, the right people in the right roles. This paper argues that framing is fundamentally insufficient. While character and virtue ultimately reside in persons, character development within organizations emerges through recursive ethical interactions shaped by incentives, narratives, feedback loops, and habituation structures cultivated by systems leaders. It replicates, or fails to, across every scale of human interaction, from the unobserved micro-decision of a single employee to the macro-level architecture of executive leadership. Drawing on Mandelbrot's fractal geometry, Lorenz's chaos theory, Kauffman's complexity …


Commentary: Survey Finds Singapore Workers Disengaged - But We Shouldn’T Resign Ourselves To This, Nick Chiam Jul 2026

Commentary: Survey Finds Singapore Workers Disengaged - But We Shouldn’T Resign Ourselves To This, Nick Chiam

Research Collection Yong Pung How School Of Law

If narratives of unhappy and disengaged Singapore workers solidify, there will be less reason to strive for a better workplace, says SMU’s Nick Chiam.


The Power And Peril Of Awe In Leadership: Transforming Follower Identity And Behavior, Jack Mcguire, Daniel Mcallister, Jochen Menges, David De Cremer Jul 2026

The Power And Peril Of Awe In Leadership: Transforming Follower Identity And Behavior, Jack Mcguire, Daniel Mcallister, Jochen Menges, David De Cremer

Research Collection Lee Kong Chian School Of Business

Awe is a profound emotion that has captured significant attention within psychological research. While the potential for leaders to inspire awe in followers has received some recognition, systematic research on the nature and effects of awe in leadership—and within organizational contexts more broadly—remains limited. In this article, we offer a conceptual framework that explains the multifaceted and transformative nature of leadership through the power of awe. Specifically, we identify four leader behaviors—charismatic leadership tactics, exceptional performance, problem reframing, and self-sacrificial behavior—that elicit awe among followers. We further propose three variants of awe-inspiring leaders, describing how variation in a leader’s self-construal …


Hybrid Working Untuk Ibu Bekerja: Perspektif Self Determination Theory, Paulina Sri Trifina Hariyati, Nayunda Andhika Sari Jun 2026

Hybrid Working Untuk Ibu Bekerja: Perspektif Self Determination Theory, Paulina Sri Trifina Hariyati, Nayunda Andhika Sari

Jurnal Manajemen dan Usahawan Indonesia

The phenomenon of hybrid working, which combines working from home and from the office, offers flexibility that has the potential to enhance work-life balance for employees. This is believed to be particularly significant for working mothers who carry high domestic responsibilities, providing them with the space to manage their time between work and family. Utilizing the Self-Determination Theory framework, this study aims to understand the meanings and strategies employed by working mothers navigating hybrid work. This research adopts a qualitative approach through interviews with 13 working mothers at a life insurance company in Jakarta. The findings indicate that for working …


Effects Of Workplace Hazing On The Anticipated Outcomes For Newly Hired Employees: An Integrative Review Of Existing Literature, Samuel Bangura Jun 2026

Effects Of Workplace Hazing On The Anticipated Outcomes For Newly Hired Employees: An Integrative Review Of Existing Literature, Samuel Bangura

Management Dynamics

This study analyzes the effect of workplace hazing on newly hired employees by synthesizing existing studies, with a focus on psychological well-being, job performance, and organizational outcomes. Additionally, it identifies strategies to mitigate the negative effects of workplace hazing during the onboarding process.

Background:

Workplace hazing is a pervasive yet underexamined organizational phenomenon that affects newly hired employees. Although justified as a socialization or initiation practice, emerging evidence suggests that hazing can have serious psychological, professional, and organizational consequences. Existing literature remains fragmented, with limited integrative synthesis focusing specifically on newcomers’ anticipated outcomes.

Objective:

This study aims to examine the …


Algorithmic Monocultures In Hiring, Rishi Bommasani, Sarah H. Bana, Kathleen A. Creel, Dan Saul Jurafsky, Percy Liang Jun 2026

Algorithmic Monocultures In Hiring, Rishi Bommasani, Sarah H. Bana, Kathleen A. Creel, Dan Saul Jurafsky, Percy Liang

Economics Faculty Articles and Research

Many employers screen job applicants with algorithms built by the same few algorithm vendors. We hypothesize that algorithmic monoculture leads to the same individuals and members of the same racial groups facing rejection. We acquire and analyze a novel dataset of 3 million applicants submitting 4 million applications where all the applications are screened by algorithms built by the same vendor. We find clear racial disparities in applicant outcomes. Of all applications submitted by Asian and Black applicants, 14.74% and 25.87% are submitted to positions that adversely impact Asian and Black applicants, respectively, according to U.S. employment discrimination standards. Individuals …


Balancing Our Capacity To Serve: A Phenomenological Exploration Of Black Women Navigating Personal, Professional, And Community Leadership Roles, Shemeka K. Brathwaite Jun 2026

Balancing Our Capacity To Serve: A Phenomenological Exploration Of Black Women Navigating Personal, Professional, And Community Leadership Roles, Shemeka K. Brathwaite

Student Theses

This phenomenological study explores the lived experiences of Black women community leaders as they navigate a balance between their professional, personal, and community leadership roles. The research design uses the theoretical frameworks of Black Feminist Intersectionality and Role Theory, specifically addressing the cultural burdens imposed by the Strong Black Woman archetype, which adds additional role strain. The study began with a questionnaire completed by 54 Black women community leaders, followed by 20 in-depth, semi-structured interviews selected from this pool. The study’s key findings are illustrated in a Black Women’s Sustainable Community Leadership Framework. Black women community leaders exude high self-efficacy, …


Overcoming Adversity With Resilience: A Phenomenological Examination Of African American Women Leaders Facing Microaggressions In Corporate Spaces, Dionne Trenise Johnson Jun 2026

Overcoming Adversity With Resilience: A Phenomenological Examination Of African American Women Leaders Facing Microaggressions In Corporate Spaces, Dionne Trenise Johnson

Electronic Theses and Dissertations

African American women leaders in Fortune 500 companies experience persistent challenges of subtle yet pervasive systems of discrimination in the form of microaggressions that cause negative impacts to their psychological well-being, workplace performance, and career advancement. These women exhibit incredible resilience that enable them to thrive at work, mitigate mental health challenges, and navigate their careers successfully. However, unlike people who fall into either a racial minority group or a gender minority group, African American women experience compounded effects of microaggressions due to the intersection of their race and gender. As a result of microaggressions, these women experience impacts to …


Implicit Bias In Hiring: Leveraging Avatars To Foster More Inclusive Hiring Practices, Alexa Trifilo, Gary Blau, Crystal Reeck May 2026

Implicit Bias In Hiring: Leveraging Avatars To Foster More Inclusive Hiring Practices, Alexa Trifilo, Gary Blau, Crystal Reeck

Engaged Management ReView

This research investigated implicit racial in-group bias in hiring and examined extended reality (XR) as a mechanism for masking visual identity cues during the interview process. By introducing avatars that obscure physical characteristics, such as race, the study extends the concept of “blind” hiring into immersive virtual environments. In our experimental design, randomly assigned participants evaluated job candidates represented by avatars that had three variations of racial identifiability (White, Asian, or racially unidentifiable avatar) and two qualification levels (strong and ambiguous). We controlled for gender by including only experienced, full-time female professionals as participants in the evaluation of female avatars …


Digital Transformation And Adaptive Capacity Of Banks In Tanzania: The Mediating Effect Of Knowledge Sharing, Sospeter Muchunguzi, Ulingeta O. L. Mbamba, Victor G. Wilson May 2026

Digital Transformation And Adaptive Capacity Of Banks In Tanzania: The Mediating Effect Of Knowledge Sharing, Sospeter Muchunguzi, Ulingeta O. L. Mbamba, Victor G. Wilson

Business Management Review

Amid rising competition and uncertainty, banks are increasingly adopting digital technologies to sustain adaptive capacity and competitiveness. This study examines the mediating effect of knowledge sharing in the influence of digital transformation on adaptive capacity. Drawing on an integrative theoretical framework combining the Dynamic Capability Theory, the Affordance Theory and the Adaptive Structuration Theory, a deductive approach was used, involving a sample size of forty-three (43) banks in Tanzania. Data were collected using a questionnaire administered through a drop-off and pick-up-later method and analyzed with PLS-SEM using SmartPLS software. We found that digital transformation of customer touchpoints makes banks more …


The Influence Of Digital Audit Capability On Tax Compliance In Tanzania, Henry Zeno Chalu, Daudi Deokari Mtena May 2026

The Influence Of Digital Audit Capability On Tax Compliance In Tanzania, Henry Zeno Chalu, Daudi Deokari Mtena

Business Management Review

The research evaluates the effects of digital audit capacity on tax compliance in Tanzania, focusing on challenges such as tax avoidance and administrative inefficiency. It applies the Task-Technology Fit Theory and Deterrence Theory in tax audit to examine the relationship between digital audit capability and tax compliance. The findings show that digital audit capability has significantly enhanced tax compliance through data integrity, security, and analytical capability. These features minimize misreporting, secure financial information, and build trust while uncovering predictive insights. The current study also has implications for tax policy by highlighting the promise of digital audit capability in enhancing both …


Neurodiversity In The Workplace: Organizational Approaches To Supporting Neurodiverse Employees, Madison Vasquez May 2026

Neurodiversity In The Workplace: Organizational Approaches To Supporting Neurodiverse Employees, Madison Vasquez

M.S. in Leadership

Despite growing conversation around neurodiversity in the workplace, many organizations lack clear understanding and structured strategies to support neurodivergent employees. This study examines existing research on how organizations can more effectively support neurodiverse employees across the employee lifecycle. Using a qualitative literature review, this study addresses the research question by examining literature on neurodiversity within workplace contexts. This includes investigating common representations of neurodiversity and reviewing the strengths and challenges of neurodiverse individuals, including those who have autism, ADHD, and other forms of neurodivergence. The study also reviews workplace barriers, support strategies, and organizational outcomes identified across the literature. Key …


External Mandate And Strategic Imperative: A Necessary And Sufficient Conditions Approach To Environmental Accounting Adoption In Tanzanian Manufacturing Firms, James Moses Dendula, Helena Thomas Haule May 2026

External Mandate And Strategic Imperative: A Necessary And Sufficient Conditions Approach To Environmental Accounting Adoption In Tanzanian Manufacturing Firms, James Moses Dendula, Helena Thomas Haule

Business Management Review

Environmental Accounting (EA) serves as a strategic tool for organisations to integrate environmental considerations into operations, decision-making, and reporting. However, in emerging economies, its adoption remains uneven and insufficiently explained regarding how institutional pressures and internal capabilities jointly shape these practices. This study examines how institutional pressures and firms’ internal capabilities influence Environmental Accounting Practices (EAP) among 146 Tanzanian manufacturing firms. Anchored in Institutional Theory and the Resource-Based View (RBV), the study adopts a complementary analytical approach by integrating sufficiency and necessity logics using Partial Least Squares Structural Equation Modelling (PLS-SEM) and Necessary Condition Analysis (NCA). The PLS-SEM results indicate …


The Influence Of Financial Literacy On The Financial Behavior Of Students In The Higher Learning Institutions In Tanzania, Lisa John Baltazar, Evelyn Mweta Richard May 2026

The Influence Of Financial Literacy On The Financial Behavior Of Students In The Higher Learning Institutions In Tanzania, Lisa John Baltazar, Evelyn Mweta Richard

Business Management Review

This study examines how financial literacy influences financial behavior as measured by spending, saving and investment and borrowing behavior of university students. The study was informed by the theory of planned behavior. Explanatory research design was used to test the research hypothesis. Data was collected through using a structure questionnaire which was administered both physically and online.  446 random selected students across Universities in Tanzania participated in the study, and simple linear regression analysis was used to establish the effect of financial literacy on financial behavior.  It was established that majority of the students are considered financially illiterate. However, the …


Unpacking The Nexus Between Financial Inclusion And Tax Compliance In Tanzania, Sarah Senso, Henry Zeno Chalu, Cosmas Renatus Masanja May 2026

Unpacking The Nexus Between Financial Inclusion And Tax Compliance In Tanzania, Sarah Senso, Henry Zeno Chalu, Cosmas Renatus Masanja

Business Management Review

The study examined the influence of financial inclusion and tax compliance in Tanzania, focusing on access to financial services, quality of financial services, and usage of financial services. Guided by the positivist philosophy, the study employed a deductive approach utilizing the supply-leading theory and economic deterrence theory as the guiding frameworks. A cross-sectional survey design was employed, and multistage sampling was employed to obtain a sample of 386 bank agents by using a multistage sampling method. The study used primary data that was collected through structured questionnaires, which contained closed-ended questions measured on a 7-point Likert scale, and analyzed data …