Md. Aminul Islam
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Preferred name
Md. Aminul Islam
Official Name
Md. Aminul, Islam
Alternative Name
Islam, Md Aminul
Islam, M. A.
Aminul Islam, Mohd
Main Affiliation
Scopus Author ID
57204942879
Researcher ID
AGK-3778-2022

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  • Publication
    End-user perspectives on fintech services adoption in the Bangladesh insurance industry: the moderating role of trust
    ( 2024-01-01)
    Hassan M.S.
    ;
    Md. Aminul Islam
    ;
    Abdullah A.B.M.
    ;
    Nasir H.
    This study focuses on understanding the factors that influence end-users’ (customers’) acceptance of fintech services in the insurance industry. The study employed a modified Unified Theory of Acceptance and Use of Technology 2 model, incorporating perceived security and personal innovativeness as independent variables, and trust as a moderating variable. A total of 391 responses were analyzed using partial least squares structural equation modeling in SmartPLS software. The study’s findings indicate that factors such as effort expectancy, social influence, facilitating conditions, perceived, and personal innovativeness positively affect users’ behavioral intention (BI) to use fintech services in the insurance industry. Moreover, BI positively influences the actual use (AU) of fintech services. Additionally, trust plays a positive moderating role between BI and AU. The results of this study have practical implications for academicians, researchers, insurance companies, and insurance regulatory bodies. Academicians and researchers can further explore the acceptance of fintech in developing countries based on these findings. Insurance companies and regulatory bodies can take necessary steps and formulate strategies to promote the adoption of fintech services in the insurance industry, considering the identified factors and the role of trust.
  • Publication
    Users’ fintech services acceptance: A cross-sectional study on Malaysian Insurance & takaful industry
    ( 2023-11-01)
    Hassan M.S.
    ;
    Md. Aminul Islam
    ;
    Yusof M.F.
    ;
    Hussen Naser
    The emergence of fintech services in the insurance industry has been a transformative force, reshaping how insurance companies operate, how policies are sold, and how customers interact with their insurers. Financial technology developments, also known as “fintech,” are changing how financial services are offered, presenting novel possibilities for the insurance industry worldwide. However, in the Malaysian insurance and takaful industry a good number of customers are still dependent on conventional channels like agents and brokers continue to be important sources for purchases and payments related to insurance instead of using Fintech services. The insurance industry's success and growth are highly dependent on adopting technological services offered by companies to make the process efficient and profitable. So, this study aimed to empirically identify the determinants influencing Malaysia's insurance and takaful industry customers to accept the fintech services for insurance-related transactions and activities. The research combined two prominent technology adoption models UTAUT2, and Delone and Mclean IS Success, and proposed a new research framework. The data for the research has been collected from the insurance and takaful industry customers through Google Forms. Finally, 350 responses were received. The PLS-SEM method was utilized to investigate the data by Smart PLS 3.2.9 software. The result of the study revealed that effort expectancy, information quality, service quality, system quality, and perceived risk impact behavioral intention to use fintech services (BI). In addition, the actual use of fintech services is impacted by behavioral intention. Nevertheless, no impact was found in the case of performance expectancy and social influence on BI. The findings of the study are helpful for academicians, researchers, and insurance companies to explore determinants for fintech services acceptance.
  • Publication
    Investigating the Determinants of Islamic Mobile FinTech Service Acceptance: A Modified UTAUT2 Approach
    ( 2023-02-01)
    Hassan M.S.
    ;
    Md. Aminul Islam
    ;
    Yusof M.F.b.
    ;
    Nasir H.
    ;
    Huda N.
    Financial technology (FinTech) is leading a worldwide revolution to increase financial access. Bangladesh’s financial sector is entering a new era of innovation due to the country’s rapid embrace of financial technology. Mobile FinTech service (MFS) providers achieve unattainable economic peaks every year. The growth of conventional banks’ MFS is significant. However, Islamic banks have a good market share but cannot attract more customers to use the Islamic MFS. This study aimed to determine the factors influencing Islamic bank customers to accept the Islamic MFS. This study utilized a modified UTAUT2 model. Data were collected from 310 Islamic bank customers by using online Google Forms. Structural equation modeling was employed to analyze the data by SMART PLS 3.2.9. The results revealed that social influence, facilitating conditions, price, and perceived credibility have a significant positive effect on Islamic MFS acceptance. However, performance expectancy and effort expectancy showed no impact on Islamic MFS acceptance. This research framework is helpful for academicians and researchers to investigate FinTech acceptance in developing countries. Moreover, the study results are beneficial for MFS providers and FinTech firms.
  • Publication
    Investigating the Determinants of Employee Performance for Sustainability: A Study on the Bangladesh Insurance Industry
    ( 2023-04-01)
    Afrin S.
    ;
    Asyraf Bin Mohd Kassim M.
    ;
    Yusof M.F.
    ;
    Hassan M.S.
    ;
    Md. Aminul Islam
    ;
    Khairun Nisa Khairuddin
    Employee performance is the secret to success for every company. Companies want their employees to understand the company’s vision and objectives and meet the individual goals set by the managers. The insurance industry in Bangladesh has stagnant growth compared to other industries. Moreover, insurance companies are lagging in managing human resources, especially permanent employees. Sustainable employee performance will help companies to achieve sustainable growth. This study aimed to identify the influencing factors that impact sustainable employee performance of insurance industry employees in Bangladesh. The study utilized the social exchange theory as the underpinning theory. The study modified the social exchange theory and proposed a research framework with five indicator variables: compensation, job satisfaction, work environment, leadership style, and motivation. The survey included 200 insurance company employees from various departments and companies. The collected data were analyzed using the partial least square–structural equation modeling (PLS–SEM) method using SMART PLS 3.2.7 software. The findings revealed that all the factors significantly positively impacted sustainable employee performance. The results of the study are helpful for academicians and researchers to analyze employee performance further. In addition, the results will help insurance companies and policymakers to make appropriate decisions to ensure sustainable employee performance in the organization.
      1
  • Publication
    The Effects of Financial Attitudes, Financial Literacy and Health Literacy on Sustainable Financial Retirement Planning: The Moderating Role of the Financial Advisor
    ( 2023-02-01)
    Wan Mashumi Wan Mustafa
    ;
    Md. Aminul Islam
    ;
    Muhammad Asyraf Mohd Kassim
    ;
    Hassan M.S.
    ;
    Royhan P.
    ;
    Rahman S.
    Financial planning for retirement is essential to ensure that people have enough money to live the lifestyle they desire when they retire. Self-employed business owners in developed countries widely do financial retirement planning. However, in Malaysia, the percentage of self-employed individuals concerned about financial retirement planning is lower than in other countries. This study aims to identify the relationship between the financial attitude, financial literacy and health literacy of self-employed individuals toward sustainable financial retirement planning in Malaysia and find out the moderating effect of the role of financial advisors. The study utilized structural equation modelling. Data were collected through a survey questionnaire and analyzed using SMART PLS 3.3. The total sample size was 416 self-employed individuals from the northern Malaysian region. The findings revealed that financial attitude and financial literacy significantly impact retirement planning. Moreover, the role of financial advisors moderates the relationship between financial attitude–financial retirement planning and financial literacy–financial retirement planning. The result of the study will fulfil the needs of self-employed individuals to plan their retirement by including the financial planning determinants needed for a well-planned retirement.
      1