This study aims to determine, from the perspective of investors, the factors that predict Islamic unit trust (IUT) investment intentions. Additionally, this paper examines the moderating effect of fintech self-efficacy (FSE) on the relationship between attitude and investment intention. A total of 392 data were collected from IUT investors in Malaysia and analyzed using partial least squares structural equation modeling. The findings reveal that subjective norms have the highest impact on investment intention, followed by attitude and FSE, while religiosity is not significantly associated with investment intention in Islamic unit trust funds. Attitude significantly mediates religiosity-intention and Islamic financial literacy-intention relationships. FSE significantly moderates the attitude-intention relationship. The results shed light on the key factors that increase investing behavior and have direct managerial implications with regard to marketing strategies and target markets. These findings suggest that IUT service providers should take the lead in attracting customers through effective and targeted marketing initiatives, particularly by enhancing customers' FSE and capabilities. This study provides empirical evidence on the interrelationships between Islamic financial literacy, religiosity, and FSE in examining investors' behavior using the Theory of Planned Behavior framework. The study explores the moderating role of FSE on the relationship between attitude and investment intention.
Financial Management , Self Efficacy , Intention , Attitude , Investments
Fintech's development has amplified cybercrime, prompting trust and security concerns in banking. While earlier research predominantly viewed Fintech adoption through a tech-centric lens, emphasising its benefits, there is a paucity of studies on cognitive resistance arising from Fintech controversies. This review synthesises previous Fintech literature on behavioural intentions in banking, emphasising the role of trust, security, and other factors, and highlights existing research gaps. Utilising the ROSES (RepOrting standards for Systematic Evidence Syntheses) framework, a Systematic Literature Review was conducted, analysing 26 articles from Scopus and Web of Science (WoS) databases (2009-2022). Thematic analysis produces five primary themes (UTAUT2 variables; risk; trust; quality; and other), branching into 24 sub-themes. The weight analysis emphasises the best well-utilised predictors like performance expectancy, trust, security, perceived usefulness, and attitude. In addition, the review identifies research gaps and offers recommendations for future studies using the TCCM (Theory, Context, Constructs, and Method) framework. This research provides insights to Fintech companies and regulatory authorities on the preferred attributes of Fintech services that can enhance their adoption within the banking sector.
Digital finance is an innovative financial model of great significance for sustainable economic growth. By constructing indicators of sustainable economic growth, we explore the impact of digital finance on sustainable economic growth using the fixed effect model, mediating effect model, threshold regression model, and dynamic spatial Dubin model. The study finds that digital finance can drive sustainable economic growth, and the robustness and endogenous treatment results strongly verify this. Digital finance promotes sustainable growth mainly through technological innovation. In addition, with technological innovation and the development of renewable energy, there is a significant nonlinear relationship between digital finance and sustainable economic growth. Finally, the spatial spillover effect results show that digital finance's impact on sustainable economic growth has a positive effect, whether it is a direct effect or an indirect effect. This article provides possible ideas for digital finance to promote sustainable economic growth.
Economic Development , Sustainable Growth , China , Renewable Energy
BACKGROUND: Post-occlusive skin reactive hyperaemia (PORH) is a model used to assess microvascular reactivity. This study aims to compare PORH response among pregnant hypercholesterolaemic patients with age and gestational age-matched controls. METHODS: This cross sectional study involved 17 hypercholesterolaemic, pregnant women and 20 pregnant controls entering their early third trimester. Laser Doppler fluximetry (LDF) was used to measure skin perfusion. The process of PORH was performed by occluding the upper arm with an occlusion cuff at 200 mmHg for 3 minutes. Skin perfusion was recorded before, during, and after occlusion release. Baseline perfusion, time to achieve peak perfusion (Tp), peak perfusion after occlusion release (PORH(peak)), and maximum change in perfusion due to occlusion (PORH(max)) were recorded. RESULTS: Serum total cholesterol (TC) was significantly different (P < 0.001) between the 2 groups: 7.25 (SEM 0.18) mmol/L for hypercholesterolaemic women and 5.54 (SEM 0.15) mmol/L for the control group. There were no significant differences in their baseline, PORH(peak), and PORH(max). However, Tp in the hypercholesterolaemic group was significantly increased (P = 0.024) compared with the controls at 14.9 (SEM 0.6) seconds and 13.1 (SEM 0.5) seconds, respectively. CONCLUSION: Pregnant hypercholesterolaemic patients showed an abnormal microvascular reactivity response. Tp with ischemia was significantly increased compared with normocholesterolaemic controls.
