PurposeWhile the usage of mobile financial services (MFSs) is increasing rapidly in developing countries, research on users' attitudes and behavioral intention to adopt MFS is limited. Thus, this study aims to investigate customers' attitudes and intentions to adopt MFS from a Bangladeshi perspective.Design/methodology/approachA mixed research design was employed to conduct this study. Data of 196 respondents were analyzed using partial least squares (PLS) path modeling. For the quantitative part, data collection was conducted using non-probability sampling through a structured survey questionnaire. A focus group discussion with ten MFS users from divergent backgrounds was conducted to validate the quantitative findings.FindingsThis paper integrated both the technology acceptance model (TAM) and innovation resistance theory (IRT) to validate the results. The authors found that perceived usefulness (PU), perceived ease of use (PEOU) and perceived trust (PT) positively contribute to customers' attitudes toward MFS adoption. Besides, barriers to acceptance had unfavorable effects on users' attitudes and usage intentions. Furthermore, a focus group discussion revealed valuable insights on the constructs used in this study.Practical implicationsThe study results have implications for both MFS providers and researchers. The outputs and recommendations presented in this paper will encourage the MFS practitioners to stimulate users' attitudes and behavioral intentions by ensuring useful, easy to use, credible and risk-free mobile payment platforms.Originality/valueThis is one of the very few studies in Bangladesh that have taken a contemporary and emerging research topic, providing theoretical, methodological and practical contributions regarding the determinants and consequences of attitude toward using MFSs.

This paper aims to investigate the impact of social and psychological barriers on the negative intention of female students to be an entrepreneur and to analyze the mediating role of psychological barriers between social barriers and negative entrepreneurial intention. Total of 791 female students were surveyed from Bangladesh through an on-line questionnaire. Four hypotheses have been developed and tested on the total sample. Structural equation modeling (SEM) is used to measure the validity of the data and the relationship among the variables. The study endorsed that social barriers have a significant negative association with the negative intention toward entrepreneurship that indicates social barriers do not significantly reduce the entrepreneurial intention. Psychological barriers as mediating variable have a significant and positive relationship with social barriers and those barriers also have a significant positive effect on negative intention toward entrepreneurship. Psychological barriers partially mediate the relationship between social barriers and the intention toward entrepreneurship. Thus, social barriers through psychological barriers significantly influence the entrepreneurial intention and reduce the inclination of female students toward entrepreneurship. Contribution/Originality: This study originates unique findings that social barriers do not directly contribute to reducing the entrepreneurial intention, but psychological barriers significantly reduce the intention of the female students toward entrepreneurship. Besides, psychological barriers play a mediating role between social barriers and entrepreneurial intention. 1. INTRODUCTION Entrepreneurship is gaining more interest in almost all countries around the world. Both researchers and academicians agree that entrepreneurship is one of the most important factors that can contribute to economic development for both developed and developing economies (Temtime et al., 2004). The entrepreneur and entrepreneurial activities play a crucial role in the economic development of an individual, society as well as a country. The wheel of entrepreneurship starts from the intention of people towards entrepreneurship. Unfortunately, most of the students who want to start a business believe that there are lots of hurdles they have to face. These problems are more acute among female students. Wang and Wong (2004) found that factors like education, experience, gender and family background have a significant impact on the inclination of starting a new venture. The study also found that female students are less interested in entrepreneurship than males. They

Availing banking services through technology is gaining ubiquity, shifting the customer from conventional banking to mobile app-based banking services. The study proposed its theoretical concept, drawing on service-dominant logic (S-D logic) and social cognitive theory (SCT), analyzing the relationship between user engagement and value co-creation, resulting in favorable behavioral intentions. This study investigated user engagement with m-banking apps, co-creating perceived value, resulting in users’ behavioral intention to use mobile banking apps subsequently. The study context is based on tertiary students who use m-banking apps, and they were surveyed through the purposive sampling technique. It included 141 responses who met the study requirements. The paper followed an empirical approach and structured equation modeling (SEM) analysis of 141 responses supported a more detailed understanding of users’ engagement leading to their behavioral intentions, that are directly mediated by perceived value co-creation. The findings further confirmed the theoretical framework posed in the study, that if users can engage in m-banking apps (thereby connecting on a cognitive and emotional level), they can co-create value through the apps’ assistance, which in turn will lead their behavioral intention toward using those apps at a regular time interval. The theoretical and managerial implications demonstrated the importance of user engagement in m-banking apps for co-creating value, thus suggesting the m-banking service providers strategize their phygital (physical + digital) customer contact points to proceed with future services.