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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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.

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A study of viewers’ attitude towards TV advertising in Thailand

2010-11-12 , Chuthamas Chittithaworn , Md. Aminul Islam , Orachot Thooksoon

The aim of this study is to examine the relationships Belief Dimensions and attitude of viewers towards TV advertising. Earlier research was mainly explored in the west with some finding were positive and some being negative on certain aspects of viewers perception. Whilst this study is exploratory in nature in understanding the relationship between Belief Dimensions and attitude of viewers towards TV advertising. Generally the Thai TV viewers tend to have a more negative attitude towards TV advertising. Three Belief dimension were found to be significant towards TV advertising and theses are informational benefits, negative contents and offensive. Three were not significant and these are availability, advertising format and non-informative. The result shows a number of implications for the management of business organization in particular the advertising agencies. They need to address the issue of peoples’ perception being negative towards TV adverting; secondly combine the demographic characteristics and belief dimensions to maximize advertising’s reach and effectiveness. By understanding the viewer profile advertising agencies may be able to do a better media planning and focus on creativity and presentation.

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Does ERP implementation mediate the relationship between knowledge management and the perceived organizational performance of the healthcare sector? Evidence from a developing country

2023 , Mohammad Rezaul Karim , Norshahrizan Nordin , Mohd Faizal Yusof , Mohammad Bin Amin , Md. Aminul Islam , Md. Sharif Hassan

The objective of this paper is to examine the relationships among knowledge management (KM), enterprise resource planning implementation (ERPI) and perceived organizational performance (POP). Besides, ERP implementation is employed as a mediator in this study to determine the impact of KM on POP. A total of 395 responses were received from healthcare sector staff working as Physicians, nurses, medical technicians, and information system-related officers in the 224 Healthcare organizations of Bangladesh. PLS-SEM was used to analyze the data using SMARTPLS 3.2.9 and SPSS applications. The results revealed that KM factors such as knowledge creation (KI), knowledge sharing behavior (KSB), knowledge implementation (KI), and ERP implementation positively affect the POP. In addition, ERPI mediates the relationship between KM factors (KC, KSB, KI) and POP. The study has contributed by investigating the mediating effect of ERPI between KM and POP, which will help academicians and researchers further investigate the effect on other developing countries’ healthcare sectors. Moreover, the study results will help to explore insights on knowledge and technology opportunities for healthcare sector stakeholders and policymakers.

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Entrepreneurial intention among university students of a developing economy: the mediating role of access to finance and entrepreneurship program

2024 , Mohammad Shibli Shahriar , Md Sharif Hassan , Md. Aminul Islam , Farid Ahammad Sobhani , Md Touhidul Islam

This study addresses Bangladesh’s unemployment problem and its youth’s limited entrepreneurial aspiration focusing on critical factors that influence entrepreneurial intentions among university students in Bangladesh. Recognizing universities’ role in fostering entrepreneurship, the study aims to identify these determinants, bridging a gap in literature in the context of Bangladesh. Built upon an extended theory of planned behavior, the study incorporates ‘access to finance’ and ‘entrepreneurship program’ as mediators. This framework examines the relationships of ‘attitude’, ‘subjective norms’, ‘perceived behavioral control’, ‘entrepreneurship program’, ‘access to finance’, and their collective impact on entrepreneurial intentions. Utilizing stratified random sampling, the researchers collected data from 394 students across 23 selected Bangladeshi universities offering entrepreneurship programs encompassing Faculty of Business & Entrepreneurship and Faculty of Science & Engineering. The study employed Structural equation modeling (SEM) for analyzing the data. The findings revealed that there were positive relationships between ‘entrepreneurial intention’ and ‘attitude’, ‘subjective norms’, ‘perceived behavioral control’, ‘entrepreneurship program’, and ‘access to finance’. The findings have practical implications for Bangladesh’s government and educational institutes when it comes to promoting entrepreneurship programs extensively. The empirical results clearly demonstrate that the integration of access to finance and practical entrepreneurship programs significantly boosts the entrepreneurial aspirations of university students, encouraging them to pursue entrepreneurship as a career path. This, in turn, contributes to the advancement of economic sustainability in Bangladesh. These outcomes are consistent with the overarching aims of Sustainable Development Goal 8, which strives to foster continuous economic growth, generate employment prospects, and ensure decent work opportunities, particularly for the youth. © 2024 The Author(s). Published by Informa UK Limited, trading as Taylor & Francis Group

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The green mindset: how consumers’ attitudes, intentions, and concerns shape their purchase decisions

2024 , Md Abu Issa Gazi , Abdullah Al Masud , Mohd Faizal Yusof , Md Asif Billah , Md. Aminul Islam , Md Alamgir Hossain

Abstract Purpose. The goal of the present investigation is to find out what effect environmental concern has as a moderator between green brand positioning, green brand knowledge, social value, and perspective on the green brand among young consumers. Design/methodology/approach. Information was gathered from 407 Bangladeshi university students, both public and private. The suggested model was evaluated with the assistance of SPSS version AMOS-24, using the Structural equation Modeling (SEM) method. Findings. According to the standardized path coefficients of the SEM, the findings suggest that environmental concerns have a great deal to do with young people’s green purchasing intentions. According to the results, ‘green brand positioning’ (GBP) and ‘green brand knowledge’ (GBK), directly and indirectly via ‘Attitude towards Green Brand’ (ATGB) affect ‘Green Purchasing Intention’ (GPI). But ‘social value’ (SV) and ATGB are indirectly important factors in determining intent to buy environmentally friendly products and have no direct effect on GPI. Here, as a moderator, ‘environmental concern’ (EC) plays a vital role. Practical implications. These insights may help companies better comprehend how customers view environmentally responsible products as well as what factors influence their purchase decisions. Additionally, it is essential for businesses to appreciate the significance of educating people about environmental issues in order to increase consumer awareness and encourage more sustainable consumption habits. Originality and value. The study’s findings might be quite instructive to firms and businesses and motivate young people to make environmentally friendly purchases. One of the first studies of its kind, its findings are extremely valuable for companies seeking to understand their customers’ perspectives on green brands because they may shed light on how environmental concerns can moderate consumer behavior when it comes to purchasing environmentally friendly products.

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The influence of mall management dimensions on perceived experience and patronage intentions in an emerging economy

2023 , Imroz Mahmud , Shamsad Ahmed , Farid Ahammad Sobhani , Md. Aminul Islam , Samira Sahel

A significant breakthrough in organised retail in an emerging economy such as Bangladesh, coupled with growing competition among mall managers, necessitates determination of the factors that contribute to a satisfactory shopping experience and long-term patronage intentions. Therefore, this study aimed to explore the factors influencing the overall experience of mall shoppers, which, in turn, shapes their patronage behaviour. For this purpose, 284 respondents were surveyed using the convenience sampling technique. Structural equation modelling was employed to test the hypothesised model. Among the three independent factors analysed, entertainment and accessibility wielded significant influence on shoppers’ experience, while tenant mix exerted a statistically insignificant influence. Altogether, these three independent variables, along with shoppers’ experience, accounted for 67% of the total variance in patronage. It was plausible to conclude that managing entertainment and accessibility can result in a more pleasant shopping experience. Being the first of its kind, this study investigated the combined impact of accessibility, tenant mix, and entertainment on the overall shopping experience that shapes patronage behaviour. This study’s findings can help comprehend the dynamics of customer management in the retail market of an emerging economy.

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Escaping the middle-income trap: a study on a developing economy

2023 , Md. Jaber Al Islam , Imroz Mahmud , Md. Aminul Islam , Farid Ahammad Sobhani , Md. Sharif Hassan , Arif Ahsan

Middle-Income Trap (MIT) is a phenomenon wherein a nation finds itself unable to progress from a middle-income status to a high-income economy. Despite Bangladesh’s rapid economic growth as a developing economy following its transition to the lower-middle-income category, the country faces various economic challenges that may impede its advancement to higher-income tiers. Consequently, this study delves into whether Bangladesh can successfully navigate its way out of the lower-middle-income and upper-middle-income traps. To assess this, the study initially employed a time threshold method known as the “Number of Years Method.” It determined that Bangladesh is poised to break free from the lower-middle-income and upper-middle-income traps by 2029 and 2041, provided the nation can sustain a per capita Gross National Income (GNI) growth rate of 9.69%. To further evaluate the sustainability of this income growth, the study utilized three quantitative approaches: Catch-up Growth, Growth Report, and Growth Acceleration. Interestingly, these methods yielded contrasting results. The insights generated by this study hold significance for economists and policymakers in Bangladesh and other developing economies facing similar challenges. These findings enable them to assess the likelihood of becoming ensnared in the middle-income trap and, as a result, formulate appropriate strategies to overcome it.

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Factors affecting customers satisfaction in online shopping

2010-11-12 , Hasina Momtaz , Ku Halim Ku Ariffin , Md. Aminul Islam , Anayet Karim

This research attempted to find out the factors that are affecting customers’ intention and satisfaction to shop online. To shop on Internet becomes an alternative for consumers since it is more comfortable than conventional shopping which usually attributed with anxious, crowded, traffic jam, limited time, parking space and etc. Internet in Malaysia is still considered as a new medium toll between the retailers and the consumers, and also retaining customers on e-retail is the most issue that is faced any e-retail store. To increase the understanding in this area, the following questions need correct answers. Are Malaysians ready to embrace Internet shopping? In addition, this study intends to know the reasons, why Malaysian customers accept or refuse internet shopping application? And what are dominant predictors that influence the customers’ intention to shop on internet in Perlis, Malaysia? This research adopted survey by questionnaire approach. Questionnaires will be distributed among general public including student at the university to gauge their intention to shop online. Findings of this research will provide a yardstick to customer satisfaction and online shopping based on various issues such as advertisement, brand, shopping experience, time, trust etc

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Dynamic conditional correlation and volatility spillover between conventional and Islamic stock markets: evidence from developed and emerging countries

2023 , Mohammad Sahabuddin , Md. Aminul Islam , Mosab I. Tabash , Md. Kausar Alam , Linda Nalini Daniel , Imad Ibraheem Mostafa

This study aims to investigate the dynamic conditional correlation and volatility spillover between the conventional and Islamic stock markets in developed and emerging countries in order to develop better portfolio and asset allocation strategies. We used both multivariate GARCH (MGARCH) and multi-scales-based maximal overlap discrete wavelet transform (MODWT) approaches to investigate dynamic conditional correlation and volatility spillover between conventional and Islamic stock markets in developed and emerging countries. The results show that conventional and Islamic markets move together in the long run for a specific time horizon and present time-varying volatility and dynamic conditional correlation, while volatility movement changes due to financial catastrophes and market conditions. Further, the findings point out that Chinese conventional and Islamic stock indexes showed higher volatility, whereas Malaysian conventional and Islamic stock indexes showed comparatively lower volatility during the global financial crisis. This study provides fresh insights and practical implications for risk management, asset allocation, and portfolio diversification strategies that evaluate stock market reactions to the crisis in the international avenues of finance literature.

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Explaining the adoption of technology-based design of higher education during and after COVID 19 period from a developing country perspective

2020-09 , Mohammad Rokibul Kabir , Md. Aminul Islam , Shahera Afroz Deena

COVID 19 has a severe impact in every sphere of life, and education is not an exception to this. Hence, the education sector in developing countries like Bangladesh needs a quick transformation from traditional to technology-based distance learning. The factors influencing online education adoption are explained in this research with a Structural Equation Model (SEM). A survey of 405 students from the universities across Bangladesh revealed that faculty readiness, student readiness, and economic solvency positively impact the students' intention to adopt a technology-based design of higher education. Simultaneously, the online assessment system is a challenge for the students having a negative effect on their intention to adopt technology-based learning. Again, students' intention to adopt technology is substantial in explaining the adoption of online classes by them. The study suggests combining the classroom model with the e-learning model to create a cohesive learning system in the long run. Thus, the model proposed in this research has a crucial implication, which recommends the policymakers to consider it to design a new form of technology-based education in Bangladesh.

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