UCP Journal of Business Perspectives
type: channel
description: UCP-JBP publishes quality research ideas in the domain of management sciences. The journal welcomes conceptual and empirical papers supporting novel perspectives, contextualized knowledge, and futuristic business models. The journal contributes to the larger horizons of the development of research culture locally and globally by acknowledging noteworthy work from academic scholars, practitioners, and emerging researchers. ISSN: 3005-897X (Online), 3005-8961(Print)
publisher: University of Central Punjab
language: en
publication name: UCP Journal of Business Perspectives
issn: 3005-8961
items: Impact of Digital Ambidexterity on Circular Supply Chain through Sustainable Operational Excellence and Supply Chain Resilience
items: Artificial Intelligence Adoption in Sustainable Supply Chain Management: A Systematic Literature Review and Future Research Agenda
items: Role of inflation in economic growth of country: a global perspective
items: The Impact of Financial Literacy, Financial Behavior and Income on Investment Decision among Young Omanis
items: Antecedents and Outcomes of Fintech Adoption Lead to Sustainable Performance: A Systematic Literature Review
items: Impact of Celebrity Endorsements on Consumer Buying Behavior and Purchase Intentions in the Mobile Phone Industry: The Mediating Role of Brand Attitude
items: How Green Leadership Shapes Employees’ Green Organizational Citizenship Behavior: The Mediating Influence of Emotional Intelligence
items: The Impact of Teachers Collaboration and Principal Leadership on Teacher effectiveness through multiple dimensions of Self-Efficacy: An analysis through Structural Equation Modelling Approach
items: Impact of Organizational Ambidexterity on Overall Project Success: Examining the Roles of Absorptive Capacity, Innovation Capability, and Organizational Resilience
items: Promoting Innovation Performance in European Developing Nations: Role of Technology Transfer, Regulation Quality, Research and Development Expenditures and Knowledge Spillovers
items: Foreign Direct Investment & Its Contribution to Economic Growth: A GCC Perspective
items: Relationship of Motivational and Social Factors with Entrepreneurial Intentions
items: Untangling Demand-Following and Supply-Leading Postulate with the Lens of Granger Causality
items: Employee Personality Traits and their Prospected Behavior to Adopt Organizational Cynicism: A Mediated Moderated Model
items: The Impact of Technology on Forensic Accounting and FraudDetection: A Case Study of Omani Firms
items: Blockchain-Enabled Supply Chain Financing, Financial Capital Availability and Firm Performance: A Tri-Variate Interaction Analysis for Small and Medium Family Enterprises
items: Comparative study of Customer Perceived Value in Pre and Post Purchase Stage: A Case of University Students
items: Ripple Reaction towards Corporate Social Responsibility and Profitability: A Sustainable Model for Emerging Economy
items: Systematic Literature Review on Capital Budgeting Techniques
items: Financial Literacy, Behavioral biases and Risk Perception: Evidence from the London Stock Exchange
items: Fintech, Financial Inclusion, and Income Inequality
items: Impact of Participative Leadership Style on Employee's Performance: Mediating Role of Employee Learning
items: Social Media Usage by Teenager and Adult Students and Its Impact on Their Academic Performance and Mental Health: A Post COVID19 Comparative Analysis
items: Second Generation Gender Bias in Female Lawyers: Causes, Consequences, and Remedies
items: Should a Conventional Bank Open an Islamic Branch? The Financial Efficiency Analysis
items: Testing the Economic Theory of Crime in case of Pakistan
items: Impact of 2008’s Financial Crisis on Islamic Banks of Pakistan
items: Impact of conversion on deposits and operational cost of Faysal Bank: A case of Pakistan
items: Customers Experience and Perception Towards the Adaptation of Financial Services; A Special Reference to RAAST
items: Impact of Intrinsic and Extrinsic Rewards on Job Satisfaction of Employee: An Empirical Analysis

Impact of Digital Ambidexterity on Circular Supply Chain through Sustainable Operational Excellence and Supply Chain Resilience
type: item
description: In today’s competitive era, manufacturing firms face pressure to align their supply chain with circularity and sustainability imperatives. Despite the emergent interest in circular supply chain management (CSCM), the mechanisms through which digital capabilities support this transition remain unexplored. This study examines the role of digital ambidexterity to foster sustainability initiatives through supply chain resilience (SCR). Based on the dynamic capabilities view (DCV) and the natural resourced-based view (NRBV) theory, a framework was developed. A survey questionnaire data from 159 Pakistani manufacturing firms were gathered and analyzed through a structural equation model. The findings affirmed that digital ambidexterity capabilities significantly promote sustainable operations and SCR. However, the association between SCR and CSCM is insignificant. Theoretically, the study contributes by integrating DCV and NRBV to elucidate circularity and sustainability initiatives as a capability orchestrator. Practically, this study offers strategic insights for firms and policymakers to balance digital capabilities, resilience, circularity, and sustainability outcomes.
subject: Articles
  topic: section
subject: Digital Ambidexterity
  topic: keywords
subject: Sustainable Operational Excellence
  topic: keywords
subject: Circular Economy
  topic: keywords
subject: Supply Chain Management
  topic: keywords
creator: Yasir Khalid
creator: Khadija Nisar
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-07-13
publication date: 2026-07-13
starting page: 80
ending page: 99
doi: 10.24312/ucp-jbp.04.01.942

Artificial Intelligence Adoption in Sustainable Supply Chain Management: A Systematic Literature Review and Future Research Agenda
type: item
description: The research is a systematic literature review of the use of artificial intelligence (AI) in sustainable supply chain management (SSCM) and comes up with a research agenda. Within a systematic literature review methodology that follows PRISMA guidelines, the review synthesizes the latest peer-reviewed works that were published in 2020-2026. The results demonstrate a rapid increase in the adoption of AI in SSCM over the last several years, as machine learning, predictive analytics, natural language processing, and automation have become commonly discussed topics. The literature is primarily centered around demand forecasting, optimization of logistics, inventory planning, resilience, and traceability. It is demonstrated that AI assists in maintaining the economy in terms of efficiency and cost reduction, the environment in terms of waste and emissions, as well as, to a lesser degree, social sustainability in terms of transparency and compliance. But significant impediments are also reported in the review, such as data quality, capability gap, complexity in integrating, high cost, and governance. On the whole, the research paper has concluded that AI has high potential to revolutionize SSCM, yet more empirical, theoretical, and socially oriented studies are required to improve the situation.
subject: Articles
  topic: section
subject: artificial intelligence
  topic: keywords
subject: sustainable supply chain management
  topic: keywords
subject: AI adoption, systematic literature review
  topic: keywords
subject: sustainability
  topic: keywords
subject: future research agenda
  topic: keywords
subject: Green Supply Chain Management
  topic: keywords
creator: Muhammad Saleem
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-07-13
publication date: 2026-07-13
starting page: 63
ending page: 79
doi: 10.24312/ucp-jbp.04.01.835

Role of inflation in economic growth of country: a global perspective
type: item
description: This paper explores the highly complicated and nonlinear decoding of inflation and economic growth in the global context during the timeframe of 2000–2024, including the pre-pandemic, pandemic, and post-pandemic contexts. The paper uses a quantitative method and adopts secondary data collected by the World Bank and the International Monetary Fund to assess the effect of inflation on the growth of gross domestic product (GDP) and holds other important macroeconomic variables, such as foreign direct investment, trade openness, population growth, and the consumption of renewable energy. The results validate the occurrence of threshold effects, which imply that a moderate amount of inflation can help an economy to grow by increasing consumption, boosting investment, and improving aggregate demand, and high or unstable inflation would kill macroeconomic stability, corrupt purchasing power, and confidence of investors. The findings also indicate a high level of heterogeneity between countries in terms of institutional quality, the development of the financial system, and the credibility of policies. Advanced economies have better abilities to absorb moderate inflation with less significant growth shocks, unlike developing and emerging economies, which are highly vulnerable to external shocks and the volatility of inflation. The COVID-19 pandemic is described as a severe shock of global importance that changed the conventional inflation-growth relationships because of the disruption of supply chains and structural constraints, which revealed the growing significance of global spillovers in an increasingly globalised economy. All in all, it is highlighted in the study that there is a need to develop adaptive, country-specific, and evidence-based policy frameworks that align price stability with long-term growth and sustainability goals. This study integrates international interactions and structural variables to add value to the existing body of knowledge on the nexus of in…
subject: Articles
  topic: section
subject: Inflation
  topic: keywords
subject: Economic Growth
  topic: keywords
subject: GDP
  topic: keywords
subject: COVID-19
  topic: keywords
subject: Threshold Effects
  topic: keywords
subject: Fixed Effects
  topic: keywords
subject: Panel Data
  topic: keywords
creator: Hajar AlFarsi
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-07-13
publication date: 2026-07-13
starting page: 43
ending page: 62
doi: 10.24312/ucp-jbp.04.01.813

The Impact of Financial Literacy, Financial Behavior and Income on Investment Decision among Young Omanis
type: item
description: There are many and related financial factors. Thus, how financial literacy and financial behavior and income affect the investment decisions of young Omanis are an important subject to be discussed. The independence is based on investment which leads to the growth of finances and stability of future. Investment however needs other necessary factors to make it effective. Financial literacy is an essential element that improves the level of an individual and makes him sail through the world and make the right decisions according to the correct financial tools. This, on the other hand, makes them able to make informed and error-free investments. Financial literacy of young Omani helps them to perceive every facet of life in a financial sense. Financial behavior involves the way people spend/savings and other financial aspects of their income. It is also a core element to successful and risk-averse investments since the provision of control of their actions gives people the financial freedom. The most useful financial aspect that facilitates investment is income which dictates the kind and magnitude of investment that an individual can make. Income is the most important element among the three elements discussed in this study. In addition, to support the study, data was collected through quantitative research methods, which is conducting a questionnaire to gather opinions on the impact of financial literacy, financial behavior, and income on the investment decisions of Omani youth. It was concluded that financial literacy, financial behavior, and income directly affect the investment decisions of Omani youth, as the availability of these elements in the responses enables them to choose investments in the best way. Omani youth, as observed through the data, still lack all of these elements, meaning there is a limitation in each element. Therefore, this means the urgent need to include all of these elements and incorporate them into the lifestyle of every individual in th…
subject: Articles
  topic: section
subject: Financial literacy, financial behavior, income, Omani youth and investment decisions
  topic: keywords
creator: Shreefa Al-Zakwani
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-07-13
publication date: 2026-07-13
starting page: 26
ending page: 42
doi: 10.24312/ucp-jbp.04.01.804

Antecedents and Outcomes of Fintech Adoption Lead to Sustainable Performance: A Systematic Literature Review
type: item
description: The systematic literature review focuses on Fintech adoption and sustainable performance to fill this theoretical research gap in the literature. Adopting the TCCM research design, the study establishes the antecedents, mediators, moderators, and outcomes of Fintech adoption while detailing its sustainability implications. The review integrates 29 peer-reviewed manuscripts from 2019 to 2024, with social influence and performance expectancy. The findings establish Fintech as an important driver of improvement in the sustainability performance of social, economic, and environmental metrics. The identified methodological trends reflect the ongoing dominance of the TAM and UTAUT frameworks. The perceived technological advancements of Fintech and sustainability use the TAM most often because it is associated with technology acceptance. Despite that, the conceptual confusion between Fintech and Fintech adoption is addressed in this study. However, the current study defines areas for future paradigms, such as the moderating role, including new theoretical perspectives, and directions for further research. Together with this knowledge synthesis, the Fintech-based approaches reported in this manuscript enhance the development of academic accounts and applications for attaining sustainability.
subject: Articles
  topic: section
subject: Fintech Adoption\
  topic: keywords
subject: Sustainable Performance
  topic: keywords
subject: Environmental Performance
  topic: keywords
subject: Social Performance
  topic: keywords
subject: Economic Performance
  topic: keywords
subject: Systematic Literature Review
  topic: keywords
subject: Future Research Agenda
  topic: keywords
creator: Sahiba Anwer
creator: Khawar hussain
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-07-13
publication date: 2026-07-13
starting page: 01
ending page: 25
doi: 10.24312/ucp-jbp.04.01.788

Impact of Celebrity Endorsements on Consumer Buying Behavior and Purchase Intentions in the Mobile Phone Industry: The Mediating Role of Brand Attitude
type: item
description: The mobile phone industry depends heavily on celebrity endorsement as its main promotional method because people in developing markets trust celebrities to provide them with reliable and appealing information. The research investigates how different attributes of celebrity endorsements affect Pakistani consumers to buy smartphones while studying brand attitude as the connecting factor between endorsement attributes and consumer purchasing decisions. The research design used quantitative methods to collect data from 350 Smartphone users who answered a standardized survey, which SEM analyzed to produce results. Research findings show that customer purchasing decisions depend heavily on how trustworthy celebrities appear while also considering their expertise, their attractive appearance, and their ability to match with the brand. The research shows that brand attitude functions as a partial link that connects celebrity endorsement characteristics to purchase intention through consumer brand assessment. The research takes place in a marketing environment that uses technology and AI, but it examines AI tools through theoretical analysis instead of conducting experimental testing. The findings contribute to celebrity endorsement and consumer behavior literature in emerging markets and offer practical insights for marketers in the competitive Smartphone industry.
subject: Articles
  topic: section
subject: Celebrity endorsement
  topic: keywords
subject: Brand attitude
  topic: keywords
subject: Consumer buying behavior
  topic: keywords
subject: Purchase intention
  topic: keywords
subject: Mobile phone industry
  topic: keywords
subject: Endorser credibility
  topic: keywords
subject: Emerging markets
  topic: keywords
subject: Quantitative research
  topic: keywords
creator: Omair Nadeem
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-02-23
publication date: 2026-02-23
starting page: 94
ending page: 113
doi: 10.24312/ucp-jbp.03.02.777

How Green Leadership Shapes Employees’ Green Organizational Citizenship Behavior: The Mediating Influence of Emotional Intelligence
type: item
description: Over the past ten years, there has been a noticeable rise in the concept of green leadership (GL). Consequently, more leadership study has been conducted on this new notion, emphasizing the leading style of helping people combined with taking care of the environment. This study empirically investigates the mediating role of employees’ emotional intelligence (EI) in the relationship between green leadership (GL) and green organizational citizenship behavior (GOCB), highlighting GL as a pivotal driver of sustainable employee behaviors. The data of this research consisted of managerial professionals from the manufacturing and service industries of Pakistan. The non-probability sampling approach was employed on 381 employees from the respective sectors. PLS-SEM software was used to evaluate the data collected. The empirical results demonstrate that green leadership (GL) exerts a significant and positive effect on green organizational citizenship behavior (GOCB). In addition, emotional intelligence (EI) partially mediates this relationship, highlighting its role as an underlying affective–cognitive mechanism that translates leadership influence into sustainable employee behavior. Specifically, leaders who display environmental commitment while demonstrating emotional awareness and responsiveness foster employees’ emotional regulation and empathy, thereby encouraging greater participation in discretionary green initiatives. In turn, enhanced EI strengthens employees’ intrinsic motivation and inspirational engagement, encouraging them to exhibit discretionary pro-environmental behaviors that extend beyond formal role requirements. This empirical study will give more in-depth insights into Pakistan's service and manufacturing industries. The research findings further suggest that managers can enhance their effectiveness by adopting a green leadership (GL) style, which enables them to cultivate stronger rapport and empathy with their subordinates. By understanding and addres…
subject: Articles
  topic: section
subject: Green Leadership
  topic: keywords
subject: Organizational Citizenship Behavior
  topic: keywords
subject: Emotional Intelligence
  topic: keywords
creator: Kalpina Kumari
creator: Noor un Nissa Khan
creator: Hina Najam
creator: Mudaser Javaid
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-02-23
publication date: 2026-02-23
starting page: 70
ending page: 93
doi: 10.24312/ucp-jbp.03.02.726

The Impact of Teachers Collaboration and Principal Leadership on Teacher effectiveness through multiple dimensions of Self-Efficacy: An analysis through Structural Equation Modelling Approach
type: item
description: This study investigates the influence of teacher collaboration and principal leadership on teacher effectiveness through multiple dimensions of teacher self-efficacy in public secondary schools in Peshawar, Pakistan. Using a cross-sectional survey design, 150 teachers & 220 Pupils total 370 participants across 25 government schools has been approached for questionnaire distribution, employing simple random sampling. Teacher self-efficacy was assessed through the Teachers' Sense of Efficacy Scale, while student perceptions were used to assess teacher effectiveness using a Rating Scale. Principal leadership and teacher collaboration were also measured using established scales. Partial Least Squares Structural Equation Modeling (PLS-SEM) was utilized for data analysis. Results revealed that both variables highly influenced teacher self-efficacy, which in turn strongly predicted teacher effectiveness. However, measurement concerns were noted in the Teacher Effectiveness construct, indicating a need for refinement. The study highlights the crucial role of fostering collaboration and leadership in enhancing teacher effectiveness, especially in resource-constrained environments. Limitations include the cross-sectional design and regional sampling scope. Future research should employ longitudinal methods and broader samples to strengthen generalizability and causal inferences.
subject: Articles
  topic: section
subject: Teacher Collaboration
  topic: keywords
subject: Principal Leadership
  topic: keywords
subject: Teacher Self-Efficacy
  topic: keywords
subject: Teacher Effectiveness
  topic: keywords
subject: Secondary Public Schools
  topic: keywords
subject: Khyber Pakhtunkhwa
  topic: keywords
creator: Muhammad Sagheem
creator: Nasr Ullah Jan
creator: Tayyaba Zia
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-02-23
publication date: 2026-02-23
starting page: 54
ending page: 69
doi: 10.24312/ucp-jbp.03.02.724

Impact of Organizational Ambidexterity on Overall Project Success: Examining the Roles of Absorptive Capacity, Innovation Capability, and Organizational Resilience
type: item
description: This study investigates the impact of organizational ambidexterity on overall organizational project success, with particular attention to the roles of absorptive capacity, innovation capability, and resilience. Organizational ambidexterity refers to an organization’s ability to simultaneously pursue exploratory and exploitative activities. Prior research has not clearly articulated how organizational ambidexterity relates to overall organizational project success. To address this gap, the present study examines the relationship between organizational ambidexterity and overall organizational project success, as well as the influence of absorptive capacity, innovation capability, and organizational resilience on this relationship. A total of 505 responses were collected from software houses, primarily from senior-ranking members such as project managers and team leads in game and web development. The results show that organizational ambidexterity significantly predicts both innovation capability (b = .96, p < .001) and project success (b = .54, p < .001). Innovation capability partially mediates this relationship (indirect effect b = .19, 95% CI [.11, .28]). Absorptive capacity demonstrates a strong, positive direct association with innovation capability, but does not significantly moderate the relationship between organizational ambidexterity and innovation capability. These findings offer valuable insights into the mechanisms through which organizational ambidexterity contributes to superior project success and provide practical implications for organizations seeking to improve project outcomes.
subject: Articles
  topic: section
subject: Organizational ambidexterity
  topic: keywords
subject: Overall organizational project success
  topic: keywords
subject: Absorptive capacity
  topic: keywords
subject: Innovation capability
  topic: keywords
subject: Organizational resilience
  topic: keywords
creator: Syeda Hafsa
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-02-23
publication date: 2026-02-23
starting page: 34
ending page: 53
doi: 10.24312/ucp-jbp.03.02.672

Promoting Innovation Performance in European Developing Nations: Role of Technology Transfer, Regulation Quality, Research and Development Expenditures and Knowledge Spillovers
type: item
description: The European Union's single market has positioned it as a key player in global foreign direct investment (FDI). Nevertheless, the more developed economies of the original 15 EU member states have consistently drawn a larger portion of inbound FDI. This study explores the relationship between FDI, technology transfer, and innovation performance in 26 EU member states. It also considers the influence of human capital, R&D, and anti-corruption policies on FDI and innovation. Using panel data from 2011 to 2022 and fixed effect estimation (FEE) techniques, the research investigates how FDI-induced spillovers impact patent activities in both the advanced economies of the EU-15 and the transition economies of Central and Eastern European Countries (CEEC). The findings reveal that FDI generally boosts innovation performance in EU enterprises, with a more pronounced effect on the innovation activities of CEEC countries, reflecting their efforts to enhance their innovation capabilities. However, industry-level analysis indicates that EU-15 manufacturing sectors are more likely to benefit from FDI than their counterparts in the CEEC. The study offers valuable insights into the role of regulation quality, technology transfer, human capital, R&D investments, and FDI in driving innovation and economic growth in host countries.
subject: Articles
  topic: section
subject: Technology transfer
  topic: keywords
subject: Foreign Direct Investment
  topic: keywords
subject: Innovation
  topic: keywords
subject: Human Capital
  topic: keywords
subject: Regulation Quality
  topic: keywords
creator: Rahat Noman
creator: Misbah Habib
creator: Joanna Kurowska-Pysz
creator: Wamiq Habib Khan
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-09-05
publication date: 2025-09-05
starting page: 108
ending page: 131
doi: 10.24312/ucp-jbp.03.01.659

Foreign Direct Investment & Its Contribution to Economic Growth: A GCC Perspective
type: item
description: Foreign Direct Investment (FDI) serves as a primary indicator for the Gulf Cooperation Council (GCC) countries, Kuwait, Bahrain, Qatar, Saudi Arabia, Oman, and the United Arab Emirates in their pursuit of sustainable economic growth. The GCC countries recognize the significance of foreign direct investment (FDI) in addressing the volatility of the oil market and fostering economic diversification. This is the rationale for its use in promoting development via foreign direct investment (FDI). This study aims to analyze the effects of foreign direct investment (FDI) on GDP growth, employment growth, and sectoral business expansion in the domestic economy. This study examines the impact of institutional advancements and regulatory frameworks on the ability of foreign direct investments (FDIs) to promote sustainable development. In 2023, the GCC attracted $47 billion in foreign direct investment (FDI); however, it continued to face challenges such as spillover effects, sluggish job growth, and barriers to private sector expansion. This research combines quantitative economic data with qualitative analysis of institutional policies to investigate the key factors affecting FDI effectiveness across the region. This study indicates that GCC states ought to implement investment promotion programs that are consistent with sustainable development goals and undertake specific policy reforms to enhance foreign direct investment strategies for developmental advantages.
subject: Articles
  topic: section
subject:
  topic: keywords
  value: Keywords: Foreign direct investment (FDI), Gulf Cooperation Council (GCC), Sustainable economic growth, Economic diversity, GDP growth, Vision 2040, Vision 2030, Employment, Institutional policy analysis, Policy reforms and Investment strategies.
creator: Kumkum Om Prakash
rights: Copyright (c) 2026 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2026-02-23
publication date: 2026-02-23
starting page: 01
ending page: 33
doi: 10.24312/ucp-jbp.03.02.614

Relationship of Motivational and Social Factors with Entrepreneurial Intentions
type: item
description: Global interest is increasingly moving away from traditional business models and gravitating toward entrepreneurship as a means of gaining a competitive edge. Individuals with creative and innovative mindsets launch new ventures by tapping into emerging or underutilized resources, generating returns in the form of wealth, recognition, and reputation, and are ultimately recognized as “entrepreneurs.” The process they engage in is known as “entrepreneurship.” This concept is crucial for driving economic growth and reducing unemployment by uncovering new opportunities and creating jobs. Therefore, it becomes essential to examine the factors that either support or hinder an individual's journey into entrepreneurship. Based on existing literature, it is evident that certain key elements particularly motivational and social influencesccan either inspire or deter someone from becoming an entrepreneur. This study aims to explore how these motivational and social factors impact entrepreneurial intentions within the context of Pakistan.
subject: Articles
  topic: section
subject: Entrepreneurship
  topic: keywords
subject: Entrepreneurial Intentions
  topic: keywords
subject: Motivational Factors and Social Factors
  topic: keywords
creator: Shafaq Aftab
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-09-05
publication date: 2025-09-05
starting page: 63
ending page: 77
doi: 10.24312/ucp-jbp.03.01.540

Untangling Demand-Following and Supply-Leading Postulate with the Lens of Granger Causality
type: item
description: Researcher experimentally examined the interconnectedness among economic prosperity (EG) plus financial prosperity (FD) using the ARDL and Granger methodologies on annual data spanning 24 years, from 1988 to 2012. We measure economic prosperity (EG) by looking at real economic prosperity (GDP), and we measure financial prosperity (FD) by looking at two things: the progress of the financing system plus advancement of the stock market. The present study shows that the variables are cointegrated. A signal-directional causal link exists between financial prosperity (FD) and economic prosperity (EG), wherein LGDP granger causes finance lending growth and financial market capitalization and share trading volume granger cause LGDP. In certain instances, a supply-leading relationship is established, whereas in others, a demand-following relationship is demonstrated. Policymakers should formulate policies to enhance microfinance facilities, thereby fostering investment in small and medium firms. Pakistan's economy would grow faster if the financial sector improved and streamlined its microfinance processes, corporate governance, and risk management.
subject: Articles
  topic: section
subject: Financial development
  topic: keywords
subject: Economic growth
  topic: keywords
subject: Causality
  topic: keywords
creator: Mushtaq Hassan
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-09-05
publication date: 2025-09-05
starting page: 78
ending page: 107
doi: 10.24312/ucp-jbp.03.01.551

Employee Personality Traits and their Prospected Behavior to Adopt Organizational Cynicism: A Mediated Moderated Model
type: item
description: This study examined the personality qualities of employees and how they responded to organizational cynicism in Pakistan's banking industry by using organizational commitment as a mediating factor. The research construct is supported by the HEXACO model. The study used quantitative survey method, and data from bank employees in Islamabad, Rawalpindi, and Mianwali were obtained. The study's sample included 493 bank employees from various branches located in these cities. Using SPSS-21 and SmartPLS-4, the analysis includes reliability testing, confirmatory factor analysis, and structural equation modeling. The results of the analysis demonstrated a strong positive correlation between extraversion, conscientiousness, agreeableness, openness to new experiences, honesty-humility, and organizational commitment. Furthermore, the results revealed that, through the mediating role of organizational commitment, the personality traits of conscientiousness, extraversion, honesty-humility, and openness to new experiences have a negative connection with organizational cynicism. The results also showed a negative relationship between organizational commitment and organizational cynicism in relation to occupational stress. The results demonstrate the significance of HEXACO personality traits in explaining employees' commitment levels and how they respond to cynicism in the workplace. Findings contribute to literature to understand the interplay between personality, commitment, and cynicism. These results provide practical guidance to HR professionals and policymakers by informing recruitment practices and commitment-building activities to decrease cynicism at work and improve organizational harmony.
subject: Articles
  topic: section
subject: HEXACO Personality Traits
  topic: keywords
subject: Organizational Commitment
  topic: keywords
subject: Organizational Cynicism
  topic: keywords
subject: Occupational Stress
  topic: keywords
creator: Muhammad Waqar Azam
creator: M. Irfan Ullah Arfeen
creator: Muhammad Junaid Bilal
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-09-08
publication date: 2025-09-08
starting page: 26
ending page: 62
doi: 10.24312/ucp-jbp.03.01.484

The Impact of Technology on Forensic Accounting and FraudDetection: A Case Study of Omani Firms
type: item
description: Rapid technological improvements have revolutionised several businesses, affecting financial fraud and accounting detection. Fraud practices are increasing and becoming more complicated nowadays, whereas the traditional methods of investigating and detecting fraud meet challenges in keeping pace. This study aims to improve forensic accounting efficiency by increasing accuracy and reliability, reducing task time, and adapting to technological advancement. Hence, the study objectives are to explore the impact of cutting-edge technology on forensic accounting and fraud detection within Omani firms, its applications, integration challenges, and solutions to overcome them. The research uses a mixed-method approach, using both quantitative and qualitative data. An online questionnaire is distributed to a sample of 30 forensic accountants and auditors across various Omani firms, focusing on their perspectives regarding the impact and challenges of technology in this field. Using Microsoft Excel, data are analysed through different statistical analyses like descriptive, correlation, regression, and ANOVA analyses. The findings demonstrate that forensic accounting efficiency is directly related to technology adoption and organisational challenges. However, organisational challenges do not correlate with technology adoption. The research suggests that continuous education and training for employees and targeted investments in cybersecurity are crucial for addressing these obstacles. This research enhances fraud detection techniques and increases trust in financial systems, benefiting regulators, organisations, and stakeholders.
subject: Articles
  topic: section
subject: Forensic accounting
  topic: keywords
subject: Fraud detection
  topic: keywords
subject: AI
  topic: keywords
subject: Machine learning
  topic: keywords
subject: Blockchain
  topic: keywords
subject: Technology
  topic: keywords
creator: Arwa Ibrahim Al Balushi
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-09-08
publication date: 2025-09-08
starting page: 01
ending page: 25
doi: 10.24312/ucp-jbp.03.01.454

Blockchain-Enabled Supply Chain Financing, Financial Capital Availability and Firm Performance: A Tri-Variate Interaction Analysis for Small and Medium Family Enterprises
type: item
description: This study investigates the influence of blockchain-enabled supply chain financing (BcTSCF) on the performance and financial capital availability of small- and medium-sized family enterprises (SMFEs) in Ghana. Utilizing the purposive sampling method, data were collected from 215 SMFEs across Ghana’s agribusiness, construction, catering and hospitality, fashion and design, and wholesale and retail sectors. Drawing implicitly on resource-based theory and employing a quantitative correlational approach and PLS-SEM, we find that financial capital availability is positively influenced by BcTSCF, enhancing firm performance, especially innovation performance. Specifically, BcTSCF is positively related with availability of financial capital. Furthermore, firm performance was positively influenced by the availability of financial capital for SMFEs (ꞵ= 0.652; t-value = 20.287; CI [0.587, 0.713]; p ˂ 0.001). Between innovation and financial performance, the availability of financial capital has a greater impact on the former than the latter (ꞵ=0.574; t-value = 19.443; CI [0.516, 0.632]; p-value ˂ 0.01). This study contributes significantly to the sparse academic discourse in sub-Saharan Africa by addressing the gap in research on BcTSCF and SMFEs in developing countries. Again, it provides important information for industry practitioners and regulators to encourage blockchain usage and to enhance SMFEs' financial health of SMFEs.
subject: Articles
  topic: section
subject: blockchain technology-enabled supply chain financing (BcTSCF)
  topic: keywords
subject: financial capital availability
  topic: keywords
subject: firm performance
  topic: keywords
subject: small and medium family enterprises (SMFEs)
  topic: keywords
subject: structural equation modeling (PLS-SEM)
  topic: keywords
creator: Elijah Asante Boakye
creator: Bright Nana Kwame Ahia
creator: Millicent Adu-Damoag
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-02-12
publication date: 2025-02-12
starting page: 64
ending page: 87
doi: 10.24312/ucp-jbp.02.02.388

Comparative study of Customer Perceived Value in Pre and Post Purchase Stage: A Case of University Students
type: item
description: The present study aims to explore the differences among business students’ customer perceived value before and after admission in the higher education institution. Data was collected using self-questionnaire method on different dimensions of Customer Perceived Value including Functional Value, Epistemic Value, Social Value, Emotional Value, Conditional Value and Image Value. Data was analyzed using SPSS. Results reflect that there is a difference in the dimensions of perceived value in both stages. This research will help the higher education practitioners to serve the prospective and current customers properly as they will know the differences in their perceptions before and after admission. They will able to provide better learning experience to the students and ultimately getting more admission. Future research opportunities are also discussed. Aim: The purpose of the study is to determine the role of customer perceived value and identify the comparisons in pre and post purchase stage among university students. Methodology: A self-administered questionnaire was used to obtain the responses from university students. The responses were acquired about different dimensions of Customer perceived value including functional value, epistemic value, social value, emotional value, conditional value and image value. The data is analyzed using the software package of Statistical Package for the Social Sciences (SPSS). Findings: The results uncovered that the empirical significance of perceived value is multidimensional. Notably, social value, emotional value and conditional values differs at pre-admission stage in comparison to post-admission stage. In addition, epistemic value, functional value and perceived image value proven similar at pre-admission and post-admission stage. Implications: Universities should improve social, emotional and conditional support during pre-admission to lure learners. Likewise, creating and maintaining epistemic, functional, and image value to …
subject: Articles
  topic: section
subject: Customer Perceived Value
  topic: keywords
subject: Purchase Intention
  topic: keywords
subject: Social Value
  topic: keywords
subject: Emotional Value
  topic: keywords
subject: Conditional Value
  topic: keywords
subject: Students
  topic: keywords
creator: Usman Ehsan
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-02-12
publication date: 2025-02-12
starting page: 48
ending page: 63
doi: 10.24312/ucp-jbp.02.02.397

Ripple Reaction towards Corporate Social Responsibility and Profitability: A Sustainable Model for Emerging Economy
type: item
description: Corporate social responsibility (CSR) plays a vital role in improving the firm performance. Many researches have been done in this context but the relationship among the CSR, inflation and performance is not explored yet. Hence the purpose of this study is to demonstrate how corporate social responsibility and inflation affect firm profitability in the 30 manufacturing industries of China over the period 2011 to 2023. This study checks the impact of CSR, inflation, leverage and firm size on profitability using the bivariate regression, ordinary least square and heterogeneous model. The study's findings indicate that: (1) firm profitability are significantly impacted by CSR; (2) profitability is significantly impacted by inflation. Leverage and firm size also affect the firm performance. A crisis of trust can result from inflation, which seriously damages a company's relationships with its stakeholders, including employees, customers, and other parties. This is especially true at a time when a lot of people are accusing businesses of artificially boosting prices in order to increase profits. If the companies are interested to enhance their profits, then ultimately they should focus on CSR and environmental activities.
subject: Articles
  topic: section
subject: Corporate social responsibility
  topic: keywords
subject: Inflation
  topic: keywords
subject: Profitability
  topic: keywords
subject: Leverage
  topic: keywords
subject: Size
  topic: keywords
subject: Ordinary Least Square
  topic: keywords
creator: Hina Najam
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-02-12
publication date: 2025-02-12
starting page: 30
ending page: 47
doi: 10.24312/ucp-jbp.02.02.385

Systematic Literature Review on Capital Budgeting Techniques
type: item
description: Organizations use capital budgeting to make strategic decisions that affect their long-term development, sustainability, and profitability. This study identifies sustainability considerations, environmental, social, and governance (ESG) factors, governmental policies and regulations that affect capital budgeting decisions, and key performance indicators (KPIs) that are frequently used in evaluating the success of capital investments. This systematic literature review (SLR) synthesizes the existing research on capital budgeting techniques. The examination includes sophisticated techniques such as real options analysis, simulation modeling, and decision trees, as well as a variety of capital budgeting approaches such as net present value (NPV), internal rate of return (IRR), and payback period. Researchers, experts and politicians aiming to expand their knowledge of capital budgeting procedures and guide future studies and activities within the field.
subject: Articles
  topic: section
subject: Capital budgeting
  topic: keywords
subject: NPV
  topic: keywords
subject: IRR
  topic: keywords
subject: MIRR
  topic: keywords
subject: DCF
  topic: keywords
creator: Wasim Abbas Shaheen
creator: Tayebba Saleem
creator: Noman Shafi
creator: Usman Ullah
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-02-12
publication date: 2025-02-12
starting page: 17
ending page: 29
doi: 10.24312/ucp-jbp.02.02.378

Financial Literacy, Behavioral biases and Risk Perception: Evidence from the London Stock Exchange
type: item
description: The primary Objective of the study is analyzing impact of Financial Literacy on the behavioral biases of individual investor mediated by risk perception evidence from London Stock Exchange. By means of data gathered from 458 LSE investors, the study validates that FL dramatically lowers BB by raising RP. The results show that financially knowledgeable investors are more suited to evaluate risks precisely, thereby reducing prejudices such loss aversion, overconfidence, and anchoring. As a vital intermediary, RP converts financial information into more logical investing choices. Emphasizing the need of focused financial education programs to improve investor decision-making, the study helps behavioral finance by offering empirical data from one of the most powerful financial markets worldwide. Although the cross-sectional character of the study restricts causal inference, the findings provide insightful analysis for legislators, financial institutions, and teachers trying to create more stable and efficient markets by raising financial literacy.
subject: Articles
  topic: section
subject: Financial Literacy
  topic: keywords
subject: Behavioral biases
  topic: keywords
subject: Risk perception
  topic: keywords
subject: London Stock Exchange
  topic: keywords
creator: Syed Jawad Ali Kazmi
creator: Faisal Siddiqui
creator: Muhammad Irfan
creator: Sikandar Khalil Ishaq
creator: Murtaza Ahmed
rights: Copyright (c) 2025 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by/4.0
date: 2025-02-12
publication date: 2025-02-12
starting page: 01
ending page: 16
doi: 10.24312/ucp-jbp.02.02.365

Fintech, Financial Inclusion, and Income Inequality
type: item
description: The primary objective of this study is to analyze the relationship between fintech, financial inclusion, and income disparity. We used OLS regression on panel data for 2011, 2013, and 2017 from 93 nations. Mobile phones for bill payments served as an indicator of fintech, while account ownership, savings, and borrowing from established financial institutions were used to gauge financial inclusion. The research shows that the use of fintech, the expansion of access to financial services, and the narrowing of the income gap exist. The findings also emphasize the importance of financial inclusion as a primary factor in how fintech helps reduce income inequality. The study also highlights the significance of R&D spending innovation in successfully deploying Fintech and financial inclusion initiatives to reduce income inequality. The findings as a whole point to the importance of increased access to innovative financial services in reducing income disparities. Fintech and financial inclusion are potent instruments for fostering economic parity, since they expand people's access to resources to meet their financial needs.
subject: Articles
  topic: section
subject: Income Inequality
  topic: keywords
subject: Financial Inclusion
  topic: keywords
subject: Fintech
  topic: keywords
subject: Research and Development
  topic: keywords
creator: Muhammad Irfan
creator: Syed Jawad Ali Kazmi
creator: Abdulrehman Saeed
creator: Imran Mehmood
creator: Muhammad Bilal Mirza
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-08-20
publication date: 2024-08-20
starting page: 73
ending page: 92
doi: 10.24312/ucp-jbp.02.01.362

Impact of Participative Leadership Style on Employee's Performance: Mediating Role of Employee Learning
type: item
description: This study is based on finding the Impact of leadership styles on employee performance, and it mainly discusses the participative leadership style. The objective of this study is to understand the impact of participative leadership style on employee performance. We used mediation in the shape of employee learning, which is a novelty of our study. The objective of our research is to check whether participative leadership is beneficial for educational institutions. The study also investigates employee learning in institutions when the participative leadership style is practiced and checks whether the performance of employees improves or not. The study was based on a quantitative approach, and data was collected personally through a well-structured questionnaire and survey in educational institutions in the Punjab region of Pakistan. Our respondents were explicitly the staff of that institution. We used different statistical tools to analyze our results and interpretation. Our findings indicate that participative leadership style has a positive and significant impact on employee performance. We also offer some practical recommendations regarding the participative leadership style. This research contributes by bridging the theory and practice, providing an understanding of leadership patterns and resulting performance improvement in educational settings.
subject: Articles
  topic: section
subject: Leadership styles
  topic: keywords
subject: Participative leadership style
  topic: keywords
subject: Employee learning
  topic: keywords
subject: Employee performance
  topic: keywords
creator: MAHNOOR MAHNOOR
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-08-20
publication date: 2024-08-20
starting page: 43
ending page: 64
doi: 10.24312/ucp-jbp.02.01.330

Social Media Usage by Teenager and Adult Students and Its Impact on Their Academic Performance and Mental Health: A Post COVID19 Comparative Analysis
type: item
description: Based on parents’ and psychologists’ concerns over the young generation's excessive use of social media, this research examines its effect on teenagers' and adult students’ academic performance and mental health after the outbreak of the COVID19 pandemic. The researchers collected data from students studying at public and private educational institutions through convenience sampling techniques. Structural analyses indicated significant adverse effects of social media usage on students’ mental health. In specific ways, it has been found to increase students' academic productivity, both teenagers and adults, allowing them to expand their scope of learning. This study has explored the societal impact of excessive reliance on unregulated social media platforms, leading to notable shifts in behavior including increased social isolation, diminished empathy, and various physical health complications. Recognizing and addressing the detrimental effects of the aforementioned factors will prove advantageous for both parents and teachers, as it will help to curtail excessive reliance on social media.
subject: Articles
  topic: section
subject: Social media usage
  topic: keywords
subject: Students academic performance
  topic: keywords
subject: Mental health
  topic: keywords
subject: Higher education
  topic: keywords
subject: COVID19
  topic: keywords
creator: Masooma Batool
creator: Muhammad Nasir
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-08-20
publication date: 2024-08-20
starting page: 26
ending page: 42
doi: 10.24312/ucp-jbp.02.01.332

Second Generation Gender Bias in Female Lawyers: Causes, Consequences, and Remedies
type: item
description: Objective: Focusing upon second-generation gender bias (2GGB) as the primary cause of gender discrimination in the legal profession, current research is intended to investigate the causes of 2GGB at the workplace, how female lawyers are affected, and how they are handling the effects of this phenomenon. Methodology: The study is based upon an interpretivist approach conducted through semi-structured interviews with 15 lady lawyers having at least five years of litigation experience in the courts of law. Findings: The data analysis indicated three main themes: structural, social, and personal issues causing 2GGB hindering female lawyers' career progression and development. There is little exclusive evidence elucidating the occurrence and prevalence of 2GGB in female lawyers in emerging economies in Asia. Value: It can be considered a pioneer qualitative work is highlighting this concept in the patriarchal perspective of the emerging society. The current study results will augment the overall theoretical understanding of this more recent and subtle conception among female lawyers.
subject: Articles
  topic: section
subject: Second-Generation Gender Bias
  topic: keywords
subject: Female Lawyers
  topic: keywords
subject: Workplace Issues
  topic: keywords
subject: Glass Ceiling
  topic: keywords
creator: Shumaila Mazhar Khan
creator: Masooma Batool
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-08-20
publication date: 2024-08-20
starting page: 01
ending page: 25
doi: 10.24312/ucp-jbp.02.01.321

Should a Conventional Bank Open an Islamic Branch? The Financial Efficiency Analysis
type: item
description: In recent years, a notable trend of conventional banks establishing Islamic branches has been observed. The primary driver behind this rise in Islamic branch openings appears to be the public's growing interest in halal business practices and transactions. Additionally, the State Bank's shift towards promoting Islamic finance has further incentivized conventional banks to expand their Islamic banking offerings. However, the senior management of these dual banking institutions is primarily concerned with maximizing their financial benefits and profits. As such, they are focused on determining which type of branch, Islamic or conventional, is more conducive to the profitability and efficiency of their organization. The present study aims to investigate the factors that make Islamic branches more beneficial compared to their conventional counterparts. To this end, the researchers will analyze secondary data from both banking sectors and apply regression analysis to examine the differences in the drivers of profitability and efficiency between Islamic and conventional branches.
subject: Articles
  topic: section
subject: ROE
  topic: keywords
subject: ROA
  topic: keywords
subject: CAR
  topic: keywords
subject: financial benefits
  topic: keywords
subject: islamic branches
  topic: keywords
creator: Sumera Iqbal
creator: Bushra Iqbal
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-08-20
publication date: 2024-08-20
starting page: 65
ending page: 72
doi: 10.24312/ucp-jbp.02.01.240

Testing the Economic Theory of Crime in case of Pakistan
type: item
description: In Pakistan, one of the biggest issues is crime. It has an impact on the economy in addition to society. This study's primary goal is to evaluate the economic theory of crime as it applies to Pakistan. The foremost impartial of this study were to check the relation between inflation, political stability, and income inequality with crime rate of Pakistan while implying the economic theory of crime, but regression analysis and correlation are employed to verify the impact of socioeconomic status on criminal activity. For this purpose, regression analysis was conducted. The findings of this study reveal that factors are positively associated with the dependent variable. However, the outcome of income inequality and political stability shows a negative association with crime. For this study quantitative method has been used. Furthermore, from 2004 to 2021 The Pakistan Bureau of Statistics and other sources have provided secondary data. Additionally, E-views software was utilized to measure the instruments. This study gives evidence by testing the economic theory that people move toward crime to maximize their needs.
subject: Articles
  topic: section
subject: Crime theory
  topic: keywords
subject: Inflation
  topic: keywords
subject: Income inequality
  topic: keywords
subject: Political stability.
  topic: keywords
creator: Tanveer Ahmad Shahid
creator: Mahwish Zafar
creator: Amna Shafiq Minhas
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-03-25
publication date: 2024-03-25
starting page: 73
ending page: 86
doi: 10.24312/ucp-jbp.01.02.279

Impact of 2008’s Financial Crisis on Islamic Banks of Pakistan
type: item
description: The comparison of financial performance of conventional and Islamic banks is a widely discussed topic after the development of the latter. The existing literature review suggests that Islamic banks usually outperform conventional banks even during crises (Azzam & Rettab, 2020), and this may imply that the global financial crisis of 2008 had little or no impact on the Islamic banks. This empirical study aims to test this narrative and compares ratios and stock prices of all full-fledged Islamic banks of Pakistan with an objective of analyzing the impact of crisis upon profitability, efficiency, risk management, asset quality, liquidity management and stock returns of IBs through trend analysis from 2005-2020. The data collected from bank’s annual financial statements provided by official websites is used to test the hypothesis that these ratios and stock prices remain unchanged during the crisis. Through the application of One Way ANOVA methodology, the study concludes that profitability, efficiency and returns remain unaffected by the crisis whereas banks suffer because of liquidity, asset quality, and risk management. The application of t-test on different sub-periods indicates that capital adequacy and write-off ratios of Islamic banks need improvement. The impact of COVID on the performance of Islamic banks is limited. The research work implies that the bank managers and policy makers should focus on capital adequacy and write-off ratios in making future decisions.
subject: Articles
  topic: section
subject: Financial crisis 2008
  topic: keywords
subject: Islamic banks
  topic: keywords
subject: Pakistan
  topic: keywords
subject: Performance
  topic: keywords
subject: Accounting ratios
  topic: keywords
creator: Ayesha Latif
creator: Muhammad Kashif Imran
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-03-25
publication date: 2024-03-25
starting page: 41
ending page: 63
doi: 10.24312/ucp-jbp.01.02.237

Impact of conversion on deposits and operational cost of Faysal Bank: A case of Pakistan
type: item
description: Islamic financial industry is showing remarkable growth and has earned confidence of both investors and the creditors. Conventional banks are converting their business into Islamic around the globe and Pakistan is much ahead in this regard since it has to convert all its conventional banking into Islamic. This study is about the conversion of Faysal Bank which the largest conversion globally rated by ‘first of its scale’ by IIRA and AAOIFI. Finding of the study are that conversion effect deposits positively also the bank is performing far better than before conversion.
subject: Articles
  topic: section
subject: operational cost
  topic: keywords
subject: deposits
  topic: keywords
subject: conversion
  topic: keywords
subject: crime
  topic: keywords
subject: economic theory
  topic: keywords
creator: Sumera Iqbal
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-03-25
publication date: 2024-03-25
starting page: 64
ending page: 72
doi: 10.24312/ucp-jbp.01.02.239

Customers Experience and Perception Towards the Adaptation of Financial Services; A Special Reference to RAAST
type: item
description: This study delves into the intricate landscape of the banking industry, specifically examining the transition from traditional banking experiences to the adoption of the newly introduced digital financial service, RAAST, by the State Bank of Pakistan (SBP) in January 2021. Despite extensive promotional efforts by commercial banks through advertisements and marketing campaigns, the study focuses on understanding customer perceptions and addressing challenges in embracing this digital transformation. The research encompasses a diverse sample of 250 respondents from various regions across Pakistan, and the data is meticulously analyzed using SPSS-26, incorporating the specialized Hayes extension for mediation analysis. Considering the multifaceted factors, the primary objective is to unravel the complex dynamics influencing customers' intention to use RAAST. Surprisingly, the findings reveal an insignificant direct relationship between customers' banking experiences and their intention to use RAAST. This intriguing outcome prompts a deeper exploration into the underlying factors contributing to this lack of correlation. The study goes beyond the surface to investigate the potential mediators that influence the adoption of RAAST. The mediation analysis highlights several crucial factors in shaping customer intentions. Notably, ease of use emerges as a powerful mediator, bridging the gap between the traditional banking experience and the allure of RAAST. Additionally, the study identifies the impact of television advertisements, point-of-purchase interactions, and direct marketing in mediating the relationship between existing banking experiences and the intention to use RAAST. The results suggest that while customers may not be directly swayed by their past banking experiences, various mediating factors significantly contribute to their willingness to embrace RAAST. This nuanced understanding provides valuable insights for policymakers and commercial banks, emphasizing …
subject: Articles
  topic: section
subject: RAAST
  topic: keywords
subject: Digital financial services
  topic: keywords
subject: advertising tools
  topic: keywords
subject: direct marketing
  topic: keywords
subject: Point of Purchase
  topic: keywords
subject: Banking customer experience
  topic: keywords
subject: Intention
  topic: keywords
creator: Usman Ullah
creator: Junaid khan
creator: Junaid Ali Shah
creator: Rukhsar Baloch
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-03-25
publication date: 2024-03-25
starting page: 01
ending page: 22
doi: 10.24312/ucp-jbp.01.02.199

Impact of Intrinsic and Extrinsic Rewards on Job Satisfaction of Employee: An Empirical Analysis
type: item
description: Within the changing business realm businesses are facing increasing pressure to ensure that their operations are meeting the industry standards and complying with customers’ needs. Dynamic organizations focus on investing on their human capital to enhance overall organizational output. The current research investigates how intrinsic and extrinsic rewards impact the job satisfaction of people working at different levels in manufacturing and services firms. Using the non-probability convenience sampling technique, the authors collected data from employees in Rawalpindi and Islamabad. The statistical analyses indicate that intrinsic and extrinsic rewards are vital to workers' job satisfaction. The current research provides valuable insights to senior management of manufacturing and services firms. It explains how they can enhance the job satisfaction of their employees, leading to enhanced productivity by offering them intrinsic and extrinsic rewards.
subject: Articles
  topic: section
subject: Employee Performance
  topic: keywords
subject: Job Satisfaction
  topic: keywords
subject: Intrinsic Reward
  topic: keywords
subject: Extrinsic Reward
  topic: keywords
subject: motivation
  topic: keywords
creator: Aizza Anwar
creator: Masooma Batool
creator: Talha Ali
rights: Copyright (c) 2024 UCP Journal of Business Perspectives https://creativecommons.org/licenses/by-nc/4.0
date: 2024-03-25
publication date: 2024-03-25
starting page: 23
ending page: 40
doi: 10.24312/ucp-jbp.01.02.235