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
    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
    End-user perspectives on fintech services adoption in the Bangladesh insurance industry: the moderating role of trust
    ( 2024)
    Md. Sharif Hassan
    ;
    Md. Aminul Islam
    ;
    A. B. M. Abdullah
    ;
    Hussen Nasir
    AbstractThis 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
    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.
  • Publication
    Moderator effects of owner-manager knowledge on the intention to adopt Islamic financing facilities in Malaysia
    (International Shari’ah Research Academy for Islamic Finance (ISRA) Institute, 2023)
    Hazalina Mat Soha
    ;
    Mohd Zukime Mat Junoh
    ;
    Md. Aminul Islam
    ;
    Tunku Salha Tunku Ahmad
    The research aims to investigate owner-manager knowledge as a moderator variable enhancing the intention to adopt Islamic financing facilities (IFF). Design/Methodology/Approach — The research obtained primary data by conducting a survey of 237 participants from halal-certified companies in Malaysia. The data were evaluated using the partial least squares (PLS) method to verify the hypothesis. Findings — The findings demonstrate a considerable positive influence of relative advantage, top management support, owner-manager knowledge and competitive pressure on the intention to adopt IFF. It was also demonstrated that owner-manager knowledge had a negative and significant effect on the relationship between complexity, top management support, and the intention to apply IFF. Originality/Value — The research identifies a number of gaps in the current literature. Firstly, it addresses the limitations of previous research on the adoption of IFF at an organisational level. Secondly, it examines the role of owner-manager knowledge as a moderating factor in the relationship between innovation, organisational and environmental (IOE) characteristics, and adoption intention, which has not been explored in any empirical studies to date. Research Limitations — This study has two main limitations. Firstly, the data analysis is based on a cross-sectional design, which cannot provide empirical evidence to support causal inferences. Secondly, the majority of the respondents are from the food/beverage/food supplement industry, as revealed in the results. Practical Implications — These findings can guide stakeholders in developing effective strategies to enhance the adoption of IFF by halal-certified companies in Malaysia.
  • Publication
    Myanmar: The Catalyst to Bridge ASEAN and SAARC
    (UniMAP Press, 2015)
    Abu Yousuf Mohammad Abdullah
    ;
    Rosni Abu Bakar
    ;
    Md. Aminul Islam
    Strategically, Myanmar lies between the countries of the Indian sub-continent and the major economically developed nations of South East Asia. Therefore, Myanmar has the capability to become a connecting hub between the two regions. The rising of Foreign Direct Investion (FDI) and trade facilitation, Myanmar will definitely play a huge role in integrating and promoting commerce among the nations of Asean South Asian Association of Regional Corperation (SAARC).
  • Publication
    Corporate Social Responsibility:A Consumer Based Research on CSR in Malaysia
    (UniMAP Press, 2015)
    Karpal Singh Dara Singh
    ;
    Md. Aminul Islam
    The purpose of this book is to introduce the underpinning theories and drivers of CSR, and its implications in our society. This book is written based on our research on ‘The Effect of Corporate Social Responsibility on Brand Equity: Customer Awareness and religiosity as moderators’. The book deals with the following topics; highlighting the importance of CSR, describing the evolution of CSR and its landscape in Malaysia, explaining the driving forces of CSR, appraising major theoretical models of CSR, exploring into appropriate CSR models for Malaysian corporations and also elucidating consumer-based research about CSR in Malaysia.
  • Publication
    Internationalization of SMEs: a developing country perspective
    (MDPI, 2023)
    Md. Touhidul Islam
    ;
    Md. Aminul Islam
    ;
    Muhammad Muazzem Hossain
    ;
    Oluwaseyi Ebenezer Olalere
    Internationalization has become increasingly important to the competitiveness of firms of all sizes, including small and medium-sized enterprises (SMEs). SMEs play a crucial role in the development of lower-income countries. In Bangladesh, SMEs account for between 80 and 85 percent of industrial employment and 23 percent of total employment and are critical to economic growth. Though the literature on firm internationalization is well established, the internationalization process of SMEs from developing countries, such as Bangladesh, remains relatively under-explored. The main aim of this study is to explore factors that hinder the internationalization of SMEs in a developing country, with Bangladesh serving as the context of the investigation. Qualitative research methods were adopted, comprising semi-structured interviews with leaders of 16 SMEs in Bangladesh. Six major themes were identified as hindrances to the firms’ internationalization: (1) lack of market knowledge, (2) lack of family support, (3) the proliferation of ‘scammer buyers’, (4) the (negative) involvement of third parties, (5) mismanagement of domestic ports, and (6) unregulated local market. Regarding positive factors, only one theme emerged from the data, the strong support from the local government, which provides considerable backing for local SMEs with international ambitions. This study’s primary contribution and originality lie in the context of the investigation, with Bangladesh primarily overlooked in the international business literature. Therefore, the study presents several novel insights into the internationalization process of SMEs.
  • Publication
    Embracing digital transformation in financial services: from past to future
    (SAGE Publications, 2023)
    Mohammed Muneerali Thottoli
    ;
    Md. Aminul Islam
    ;
    Mohd Faizal bin Yusof
    ;
    Md. Sharif Hassan
    ;
    Md. Arif Hassan
    Financial services are significantly impacted by digital transformation, which has been believed as one of the primary trends reshaping society and industry. A comprehensive understanding of digital transformation from an academic and management perspective is required, and it is crucial to close the knowledge gap using bibliometric and qualitative research techniques. Hence, the purpose of this paper is to identify the extensive research themes in digital transformation in financial services from 2000 to 2021, their significance and interdependencies, to determine which trending topics seem to be the most influential, to trace the evolution of digital transformation in the financial service, and to address new and under-researched field of research that is intriguing for future research. This study used a bibliometric analysis of 288 peer-reviewed research articles published over the last 22 years in digital transformation in financial services. The data were extracted from the Scopus database and used various bibliometric analyses such as conceptual structure analysis, co-citation network analysis, social structure, and keyword analysis using R software. The findings show an overall increasing trend in journal publications, author productivity, collaborative research by institutions, and countries’ collaboration from the year 2019, as well as major insights from co-citation analysis. According to Lotka’s law, most authors (769, or 95.77%) contributed only one article. In addition, the study assesses multiple research areas, such as the effects of digital transformation in financial services, applied technology and insights, and digitalization processes, comprising the latest trending topics in this research stream that extensively cover up in financial services. One of the limitations of this study is that it used only a single database. The author recommends that the findings of this research be reinforced with more targeted and extensive qualitative literature in this field of study. This study establishes a framework for policymakers, academics, and researchers to investigate the areas where digital technologies influence financial services. This study also highlighted several cutting-edge digital technologies used for different functions of the financial services of an organization. This study illustrates the bibliometric structure of the digital transformation literature in financial services and provides insights into the literature’s growth year over year. It provides a comprehensive understanding of this evolving field, guiding future research and facilitating informed decision-making in the financial industry.
  • Publication
    Green human resource management and job pursuit intention: mediating role of corporate social responsibility and organizational reputation
    (IOP Publishing, 2023)
    Qiuhong Wang
    ;
    Md. Abu Issa Gazi
    ;
    Farid Ahammad Sobhani
    ;
    Abdullah Al Masud
    ;
    Md. Aminul Islam
    ;
    Tahmina Akter
    This study aimed to evaluate whether green human resource management practice encourages prospective candidates to join environmentally responsible enterprises through organizational reputation and corporate social responsibility. The sample was gathered from 402 students from various universities in Bangladesh using a pre-structured questionnaire. The link between the latent components has been explained by analyzing the obtained data using the Partial Least Squares Method (PLSM) of Structural equation Modeling (SEM). The findings indicated that green human resources management has a positive relationship with job pursuit intention and organizational reputation and that corporate social responsibility plays a significant mediating role in this relationship. Students studying in universities in Bangladesh reported having higher job pursuit intentions towards organizations that practice environmental responsibility. The results also show that green human resource management is a source for luring graduated students to pursue careers in green firms and will enable practitioners to combine green human resource management with their conventional human resource practices to employ qualified applicants. The results provide valuable insights into the nature of green human resource management and how the top management is committed to green initiatives in an emerging economy like Bangladesh. Also, the results will help the top management understand how to use green human resource management projects to create corporate social responsibility initiatives and an excellent corporate reputation and attract highly qualified, socially responsible employees to improve environmental performance in organizations. The national policymakers may also get input in designing a green human resource management policy for the economy. Bangladesh is a climate-vulnerable country with a minimal practice of green human resource management in the economy, so the empirical findings of this study will attract researchers, academicians, and practitioners of human resource management to carry out further research in the economy of this area. Finally, this study contributes to the body of knowledge in the still-emerging subject of green human resource management by empirically showing worthy outcomes.