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Over the last few decades, electronic banking has been used widely to manage financial transactions worldwide. More recently electronic wallet (e-wallet) banking has been identified as an innovative mode of e-payment and enhances e-banking customer experience. Although e-wallet banking service is more secure, fast, convenient and cost effective, compared to conventional web-based banking, adoption of e-wallet application is limited among e-banking consumers. To address this issue, the current study has conceptualized task technology fit (TTF) model, diffusion of innovation (DOI) theory and protection motivation theory towards adoption of e-wallet service. Moreover, pandemic risk is studied as moderating factor between the relationship of e-wallet and use of e-wallet banking among banking consumers.

The research design of this study is based on positivism research paradigm. This study is cross-sectional and used deductive level of theory to formulate hypotheses. Research survey was conducted towards e-banking users. For statistical findings research framework is tested with 280 numerical responses. Data are estimated through partial least square structural equation modeling (PLS-SEM) approach.

Statistical results demonstrates that collectively factors underpinned protection motivation theory, TTF and DOI have shown large variance R² 65.7% in adoption of e-wallet. The effect size f² analysis has revealed that compatibility is one of the most influential factors in determining individual behavior to adopt e-wallet. Similarly, Geisser and Stone Q² analysis has disclosed substantial predictive power to predict adoption and use of e-wallet service.

Theoretically, this study integrates protection motivation theory, DOI theory and TTF model toward adoption of e-wallet service and hence contributes to information system literature. To practice this, research has suggested that factors such as pandemic risk, perceived severity and compatibility are most influential factors and hence need policy makers' attention to boost e-wallet adoption.

This study is original as the study develops an integrative research model to investigate e-banking user behavior to adopt of e-wallet service. Moreover, pandemic risk is tested as moderating factor between adoption and use of e-wallet which, in turn, enhance the value of this study and directs how to deal with existing and future pandemic crisis.

In the wake of COVID-19 pandemic, public health is associated with the acceptance of vaccination unless it reaches herd immunity level, which is 67%. Nevertheless, citizens have shown hesitancy toward acceptance of COVID-19 vaccination globally. Therefore, this study aims to investigate factors which influence citizen’s intention to get COVID-19 vaccination with two well-known theories, namely, protection motivation theory and theory of planned behavior. Aside of direct relationship, the moderating effect of perceived awareness is also tested between attitude and citizens’ intention to get COVID-19 vaccine.

The research framework is statistically tested with data set of 215 responses. Data were collected from Pakistani citizens residing in Islamabad, Lahore, Narowal and Burban. For data collection, convenience sampling approach is used. The positivism research paradigm is adopted to design the research framework. Data were estimated with structural equation modeling approach.

Results of the statistical analysis unveiled that collectively perceived severity, vulnerability, subjective norm and perceived behavioral control have explained substantial variance R² 52.9% in measuring citizens’ attitude toward acceptance of COVID-19 vaccination. Likewise, attitude and awareness have explained substantial variance R² 54.6% in measuring citizens’ intention to accept COVID-19 vaccine. Moreover, results have shown substantial Stone–Geisser Q² value to predict citizens’ attitude and intention to accept COVID-19 vaccine.

In term of theoretical contributions, this study has combined two well-known theories, namely, protection motivation theory and theory of planned behavior, to investigate citizens’ attitude and intention to get COVID-19 vaccine. Therefore, practically this study directs that government officials and health-care practitioners should create awareness among citizens about pandemic by highlighting severity and vulnerability of the COVID-19 virus toward health which, in turn, motivate citizens to get COVID-19 vaccine on time.

The ongoing health crisis could be reduced if citizens achieve herd immunity against COVID-19 virus, resulting in long-term welfare of the society. This research has significant social impact on citizen’s lives, as it revealed that citizens could be motivated to get COVID-19 vaccination if they get adequate awareness about pandemic, enhance behavioral control and understand severity and vulnerability of the COVID-19 virus.

The current research is valuable, as it unveils factors which encourage citizens to get COVID-19 vaccine. In terms of originality, to the best of the author’s knowledge, this study is the first that integrates protection motivation theory and theory of planned behavior toward citizens’ intention to get COVID-19 vaccine during pandemic.

Technology adoption is a great challenge in the banking sector of Pakistan. A recent report issued by state bank of Pakistan revealed that there is a squeak growth, only 3 percent, in internet banking adoption. In order to effectively delve into the issue of internet banking adoption, the purpose of this paper is to use unified theory of acceptance and use of technology factors, namely performance expectancy and effort expectancy and e-service quality (E-SQ), as theoretical lens for this study.

The research model was empirically tested using 398 valid responses from customers of commercial banks in Pakistan. The theoretical model was tested using structural equation modeling.

Findings indicate that performance expectancy, effort expectancy, website design, customer service, assurance and reliability have direct influence on user intention to adopt internet banking. Results revealed that approximately 79 percent of variance in user intention to adopt internet banking was explained by predictors. In addition, the mediating role of performance expectancy and effort expectancy among website design, customer service and user intention was also confirmed.

For researchers, this study provides a base of integrated technology model and it suggests using this model in other online domains such as mobile payment and online web-shopping for further refinement. For policymakers, understanding the key constructs is important to design, refine and implement new internet banking website that, in turn, will boost internet banking adoption trend among users of commercial banks.

This paper makes a unique contribution toward information system and services marketing literature. The study schematized that website design, customer service, assurance and reliability are the key dimensions of E-SQ and significantly influence the user intention to adopt internet banking.

The increasing innovation and urgent need of up-to-date and convenient information systems have gained high importance in financial sector. Several banks have deployed internet banking in order to reduce cost while improving customer services. Therefore, the growth of internet banking is limited and in many cases fallen short of expectations. The purpose of this paper is to develop an integrated model that combines technology, innovative and environmental factors altogether in order to understand customer’s intention to adopt, and intention to recommend internet banking in social networks.

In all, 398 valid responses were collected from customers of commercial banks, using convenience sampling approach. Data were analyzed using the structural equation modeling.

The findings show that integrated model has good explanatory power (78.3 percent) to predict customer’s intention to adopt internet banking. Findings also revealed that the interaction effect of gamification between user’s intention to adopt and user’s intention to recommend internet banking will be stronger when gamification effect is higher. Importance performance matrix analysis (IPMA) revealed that innovativeness and perceived technology security were the most important factors in order to determine user’s intention with regard to adoption of internet banking.

For policy-makers, it is suggested that they should focus on innovative characteristics and must ensure the possible environment for carrying out internet banking transaction. Advertising about new technology with adequate information may produce positive influence on user’s intention. Enjoyable internet banking website with reward system will help to improve user’s intention to adopt and intention to recommend internet banking with others, thus developers should introduce game features on internet banking website.

This study provides basis for further refinement of individual technology acceptance models and enrich the e-commerce literature adding innovative and game elements in interne banking adoption context. Additionally, the proposed model makes an important contribution in emerging e-commerce literature especially in the context of innovative and gamified internet banking.

Understanding the main determinants of internet banking is important for banks and users. Although several prior research projects have focused on the factors that impact on adoption of technology, there is a limited empirical work which simultaneously captures technology-specific factors (PE, EE, WD, GAM) and customer-specific factors (GSC, INTRC) that help customers to adopt internet banking. Thus, the purpose of this paper is to verify how these factors influence individual behavior and motivate them to adopt new technology. The authors advance the body of knowledge on this subject by proposing moderating relationship of gamification between user’s intention to adopt and intention to recommend internet banking in social network.

To test the model the authors developed a quantitative study involving 398 internet users from five commercial banks. Data were collected in four weeks beginning of September 2017 from three large cities of Pakistan using convenience sampling approach. The theoretical model was tested using structural equation modeling (SEM).

The results indicate that intention to adopt internet banking is positively affected by performance expectancy, effort expectancy, website design, website characteristics and general self-confidence. Findings of SEM showed that approximately 72 percent of the variance in customer’s intention to adopt internet banking was accounted by predictors. Moderating effect of gamification suggested that the positive relationship between customer’s intention to adopt and customer’s intention to recommend internet banking will be stronger when gamification is higher. Importance performance matrix analysis (IPMA) suggested that among all other variables general self-confidence is the most important construct as it has the highest importance value in IPMA.

This study provides insightful guideline to practitioners, web designers and marketing professional that they should focus on both technology perspective and customer-specific factors to boost the confidence of internet banking users, while for researchers this study provides a basis for further development of technology adoption models in e-commerce domain.

This study contributes to the body of knowledge by adding game elements in technology perspective model and augments the e-commerce literature in the internet banking adoption context. To the date, this study is the first in its nature that investigates both technology-specific factors and customer-specific factors altogether to see the users influence toward technology adoption.

Technology acceptance, especially internet banking adoption, has become a vital issue in the business world today. The potential of this technology is enormous. The purpose of this study is to ascertain determinants of internet banking adoption using unified theory of acceptance and use of technology (UTAUT) and electronic service (e-service) quality, which accounts for changes in user’s intention to adopt internet banking.

The authors collected data from customers of commercial banks using structured questionnaires. The data were collected in four weeks in the beginning of September 2017. A two-stage approach of confirmatory factor analysis (CFA) and structural equation modeling (SEM) were used for data analysis.

The results reveal that integrated UTAUT model had significant influence on user intention to adopt internet banking. Findings of the SEM indicated that approximately 80 per cent of the variance in user intention to adopt internet banking was accounted by predictors. The study schematized that assurance is the most influential factor among all other technology and service quality factors. Additionally, performance expectancy and effort expectancy were found to be positive and significant mediator variables among website design, customer service and customer’s intention to adopt internet banking.

It is recommended that both website designers and managers should focus on technology and service quality factors to boost the confidence of internet banking users. Importance performance matrix analysis suggested that managers should provide assurance to internet banking users, so that they could maintain a long-term relationship with internet banking services. The study calls researchers to test the integrated UTAUT model in other electronic commerce (e-commerce) domains such as online booking or online shopping websites.

To the best of author’s knowledge, this study is the first that extend the UTAUT model with four e-service quality dimensions, namely, website design, customer service, assurance and reliability to investigate user’s intention to adopt internet banking in developing country context of Pakistan. More importantly, the mediating role of performance expectancy and effort expectancy is examined first time within integrated UTAUT model. Furthermore, the integration of UTAUT model contributes to the advancement of internet banking acceptance and offers useful insights to researchers and policy-makers on how to enhance internet banking acceptance among customers of commercial banks.

This study aims to investigate employee behavior toward work engagement with an integrative research framework that combines human resource practices, employee psychological empowerment and well-being. Moreover, the moderating effect of transformational leadership is tested between employee engagement at workplace during crisis such as COVID-19 and sustainable employment.

This study empirically investigates research framework with 353 responses retrieved from employees working in private sector organizations. The data were collected through structured, closed-ended questionnaires. For inferential analysis, structural equation modeling approach has been used. To test the predictive power of the research framework, blindfolding procedure Q² is incorporated.

Statistical findings indicate that HR compensation, HR training, opportunity enhancing, motivation enhancing, psychological well-being and empowerment have explained substantial variance (R² = 67.5%) in employee work engagement during crisis. Concerning with sustainable employment, the transformational leadership and work engagement have shown significant variance (R² = 20.6%) in determining sustainable employment. Moving further psychological empowerment has revealed maximum effect size (f²) to determine employee engagement behavior at work place during pandemic crisis. The blindfolding procedure Q² has exhibited substantial power to predict employee work engagement and sustainable employment during crisis such as COVID-19 pandemic.

This study has several contributions to theory and practice. Theoretically, this study develops an integrative research framework with the help of human resource practices and employee psychological factors such as employee well-being and empowerment. Therefore, practically, this research suggests that factors such as opportunity enhancing, transformational leadership and employee psychological empowerment need managerial attention to increase employee engagement at workplace and sustainable employment during pandemic crisis.

With the growing concerns of layoff during pandemic crisis, employees have shown lack of interest at workplace because of psychological fears. Nevertheless, this study has established that policymakers could enhance employee engagement at workplace and sustainable employment during crisis by redesigning HR practices and improving employee psychological well-being and empowerment. In addition to that, employee psychological well-being and empowerment are considered healthy factors for human beings and nurture society at large.

This research is original as it establishes an integrative research framework grounded in HR practices, employee psychological empowerment and employee psychological well-being to investigate employee behavior at work place during crisis such as pandemic. In addition to that, this study has enriched leadership literature by examining the moderating effect of transformational leadership between employee work engagement and sustainable employment.

This study aims to gain insight into how employee psychological and human resource (HR) practices impact employee work engagement behavior. In addition to that, the research model of this study has tested the moderating relationship of affective employee commitment between employee work engagement and sustainable employability.

The research model is empirically tested with data set of 311 responses retrieved from an employee working in private organizations. Sample size of this study is computed with prior power analysis. Data were analyzed with partial least square-based structural equation modeling (SEM).

Findings of the SEM revealed that altogether psychological well-being, psychological empowerment, HR compensation, HR training, transformational leadership and job enrichment have explained R² 66.1% variance in employee work engagement. Concerning individual impact size psychological well-being has shown medium level effect size (f²) in measuring employee work engagement. However, all other exogenous variables have shown a small effect in determining employee work engagement. The moderating effect of commitment is confirmed in such a way that the relationship between employee work engagement and sustainable employability will be higher when affective commitment is higher.

This research has synthesized HR literature into four core dimensions of HR practices and, hence contributes to HR literature. Similarly, this research contributes to well-being theory while integrating employee psychological well-being into the research model. For HR practitioners this research revealed that psychological well-being, psychological empowerment, affective employee commitment, transformational leadership, HR compensation and HR training are core factors, which influence employee behavior toward work engagement and sustainable employability.

The current research is unique as it investigates sustainable employability phenomenon with an integrated research model that combines employee psychological and HR factors. The concept of sustainable employability is less studied, and therefore this research fills the research gap in this context.

Internet banking services are proven to be much advantageous and convenient during COVID-19 pandemic. However, vibrant networking designs and dynamic changes in software development have made these services bit complex. Thus, the current study seeks to investigate Internet banking user continuance intention with factors underpinning self-determination theory (SDT) and expectation confirmation model (ECM) theory. The moderating role of image is studied between user intention to continue use of Internet banking and intention to recommend Internet banking service in social networks during COVID-19 pandemic.

The quantitative research approach is applied and data collected through a research survey. For inferential analysis, 360 responses were collected from active Internet banking users. The integrated information system model was empirically tested using structural equation modeling (SEM) approach.

Findings indicate that integrated IS research model has substantial explanatory power, i.e. 57.8% to predict continuance intention of Internet banking users. Within integrated research model, intrinsic regulation was found the most influential factor in order to determine Internet banking user continuance intention. Beside two theories integration, this study confirmed that the relationship between user continuance intention and intention to recommend Internet banking is moderated by image.

The fundamental contribution of this study is the integration of technological and motivational factors in Internet banking user continuance intention context. Theoretically, integration of both theories ECM and SDT in technology continuance intention context will enrich the emerging e-commerce literature. Concerning with managerial implications, intrinsic regulation was identified as an important factor among other factors. Therefore, managers and software developers need to understand user’s intrinsic motivational factors in order to boost continuance intention of Internet banking users. It is also suggested that managers and marketing personnel should pay special attention to create a positive image of Internet banking services among Internet banking users.

Within information system literature the concept of user continuance intention has yet to be examined especially in Internet banking context. Thus, current research fills research gap and proposes an integrated technology motivational framework that combines motivational factors and technology factors altogether to investigate Internet banking user continuance behavior.

This study attempts to gain insight into what factors influence individual behavior towards the adoption of telemedicine application during coronavirus disease 2019 (COVID-19) pandemic. The research model incorporates two well-known theories namely the extended unified theory of acceptance and use of technology (UTAUT2) and DeLone and McLean information success model to examine individual behavior towards the adoption of telemedicine application.

The research design of this study is based on quantitative research approach. During research survey, 350 valid responses were received from Pakistani citizens and examined to understand citizen's behavior towards the adoption of telemedicine applications. The research model was empirically tested with the latest statistical approach namely variance-based structural equation modeling (VB-SEM).

The results of the structural equation modeling have revealed that altogether performance expectancy, social influence, effort expectancy, facilitating condition, habit, hedonic motivation, price values, information quality, system quality and service quality explained 77.9% variance in determining user behavior towards adoption of telemedicine application. The predictive relevance of the research model was found substantial in measuring user behavior to adopt telemedicine applications. The research framework is further extended with moderating role of perceived severity between the relationship of user intention and actual usage behavior. Results confirmed that the positive relationship between intention to adopt telemedicine health application and usage behavior will be stronger when perceived severity is higher.

Theoretically, this study integrates extended UTAUT2 and DeLone and McLean information success model and contributes to e-health literature. Practically, this research suggests that by improving user performance expectancy and effort expectancy, managers and healthcare professionals can boost user confidence towards the adoption of telemedicine applications.

This study is unique as it integrates the extended UTAUT2 with DeLone and McLean information success model and perceived severity to investigate user behavior towards adoption of telemedicine application during COVID-19 pandemic. Additionally, the integration of theories contributes to information system literature in the context of the adoption of telemedicine applications.