http://localhost:8080/xmlui/handle/123456789/13142 2026-04-14T20:25:56Z http://localhost:8080/xmlui/handle/123456789/13163 Title: EXPLORING ANTECEDENTS’ MODERATING AND MEDIATING EFFECTS ON THE PATHWAY FROM USERS’ INTRINSIC MOTIVATIONS TO VALUE CO-CREATION BEHAVIORS IN MOBILE BANKING SERVICE Authors: Lu, Fei Abstract: The objective of this research is to investigate the effect of customers’ intrinsic motivations (CIM) on customer engagement and value co-creation behaviors (CVCB) within the Chinese mobile banking (Mbanking) context. Grounded in Stimulus-Organism-Response theory, Service-Dominant Logic, and SelfDetermination Theory, this study aims to assess the mediating role of customer engagement in the relationship between CIM and CVCB. Additionally, by incorporating Generational Theory, the research seeks to determine whether these relationships vary among different generational cohorts of Chinese M-banking users. Survey data were collected from a total of 680 Chinese M-banking users from 29 provinces and regions in China. This research utilized structural equation modeling and path analysis approaches to examine the proposed research framework. The study findings revealed that Chinese M-banking users’ CIM had positive impacts on customer engagement and CVCB, although CIM did not exerted significant direct effect on CVCB, it did indirectly influence CVCB via customer engagement, which validated customer engagement’s mediation effect on the relationship between CIM and CVCB. Moreover, study results revealed that generational differences’ moderation effect was only significant on the relationship between customer engagement and CVCB. The research finding offered added evidence that extends the knowledge from prevailing research regarding CVCB in Chinese M-banking settings, which has been untapped in marketing literature. This research provides practical insights for Chinese banks and policymakers to enhance customer engagement and CVCB in M-banking. Since intrinsic motivation drives user participation, banks should design services that foster autonomy, competence, and relatedness. As generational differences further influence engagement, policymakers should consider ensuring M-banking remain inclusive by offering customized strategies such as simplified interfaces for senior customers and interactive features for younger users. By aligning M-banking services with intrinsic motivation and generational needs, financial institutions can increase customer contentment, trustworthiness, and long-term engagement, strengthening service effectiveness in China’s digital banking sector. 2025-05-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/13162 Title: DRIVING PERFORMANCE IN RETAIL SMEs: THE ROLES OF ENTREPRENEURIAL ORIENTATION, TOTAL QUALITY MANAGEMENT, AND KNOWLEDGE MANAGEMENT Authors: Honthaisong, Pimphaphat; Thaweepaiboonwong, Jutamard Abstract: This study examines the influence of entrepreneurial orientation (EO), total quality management (TQM), and knowledge management (KM) on organizational performance (OP) in small and medium-sized enterprises (SMEs) in Thailand’s retail sector. EO, TQM, and KM are highlighted as key internal capabilities and assets that contribute to business success according to the resource-based view (RBV). This quantitative study was conducted on 353 participants using proportional stratified sampling. The participants, comprising owners and senior managers of retail SMEs, including convenience stores, traditional shops, and supermarkets, were surveyed using a structured questionnaire. The instrument model was empirically tested using covariancebased structural equation modeling. This study contributes to theory development by synthesizing EO, TQM, and KM under the RBV framework to explicate performance in the context of retail SMEs. It reports that EO positively influences TQM, KM, and OP; TQM positively affects KM and OP; and KM significantly influences OP. This study shows that EO, TQM, and KM are important for enhancing business performance. It also provides managerial guidelines for SMEs to remain competitive and capable of pivoting with the rapidly evolving retail landscape. 2025-05-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/13161 Title: INNOVATING PAYMENTS SUSTAINABLY: A JOURNEY THROUGH RISKS, REWARDS, AND REGULATORY READINESS Authors: Chen, Ng Hui; Habibullah, Muzafar Shah; Sapar, Resul Abstract: Despite its potential, FinTech payments are not yet mainstream, with traditional cards and cash still preferred globally, including in Malaysia. This study investigates factors influencing FinTech payment usage in Malaysia using Unified Theory of Acceptance and Use of Technology (UTAUT), meta-UTAUT, and Valuebased Adoption Model (VAM), encompassing system properties, individual characteristics, and external environment. A total of 546 responses were collected across 13 Malaysian states via stratified random sampling and analysed using PLS-SEM. Results show that effort expectancy, social benefit, openness to change, and attitude significantly influence intention. Attitude also mediates the effects of performance and effort expectancy, economic and social benefit, regulatory support, and openness to change on intention. In contrast, social influence, and perceived security and privacy risks had no significant effect on attitude or intention. To our knowledge, this is the first study to integrate UTAUT, meta-UTAUT, and VAM into a unified model for FinTech payment adoption. The combined framework offers valuable insights to guide strategies aimed at increasing adoption of these technologies. 2025-06-01T00:00:00Z http://localhost:8080/xmlui/handle/123456789/13160 Title: AN EMPIRICAL EXAMINATION OF BANKS IN THE ASIAPACIFIC: UNRAVELING THE NEXUS BETWEEN ESG, PROFITABILITY, AND STABILITY Authors: Setyowati, Arum; Risfandy, Tastaftiyan; Setyawan, Anton Agus; Isa, Muzakar; Trinarningsih, Wahyu Abstract: Banks' ESG issues are gaining traction and public attention following the Paris Agreement 2015. As a result, many researchers are currently examining the influence of ESG pillar practices on banks' financial performance and stability. However, these results seem far from conclusive. Therefore, continuous studies need to be carried out. The objective of this research is to investigate the impact of ESG initiatives implemented by banks on their profitability (ROA, ROE, and Tobin's Q) and financial stability (Z-Score(CAR) and Z-Score(EQTA)). Using a set of unbalanced panel data of 178 commercial banks from 12 countries in the Asia Pacific region, spanning from 2013 to 2022, this study performs panel regression analysis to explore the ESG and bank profitability and bank stability links. Our research findings support stakeholder theory and the resource-based view (RBV) as explanatory frameworks for connecting ESG pillars and bank profitability and financial stability. These include banks' environmental, social, and governance measures enhancing profitability and stability. The results are robust across different models and settings (e.g., ESG pillars vs. dimensions, different financial performance and financial stability proxies, and lagged ESG pillars and dimensions in the model). 2025-07-01T00:00:00Z