To move into a cashless society, it is important to investigate how consumers’ behaviour changes, particularly in response to extraordinary circumstances. Despite the movement restrictions implemented, the acceleration of e-commerce, initiatives taken by the government, and the modern payment system in Malaysia, cash remains the prevalent payment method. Hence, this study investigates how the coronavirus disease (COVID-19) crisis influenced consumers’ perceptions and determines factors contributing to consumers’ behavioural intention to use cashless payment. The research framework for this study is based on the unified theory of acceptance and use of technology (UTAUT). The study collected a total of 463 responses from the online survey. The data of this study were analysed using partial least square modelling techniques. This study demonstrates that the crisis significantly and positively influences consumers’ perceptions of performance expectancy, effort expectancy, social influence, and facilitating conditions. All of these factors explain consumers’ behavioural intention to use cashless payment, except facilitating conditions. The findings acknowledge the impact of the health crisis on consumer perceptions and influence their behavioural intentions to use cashless payment.

The aim of this study is to examine the determinants of firm value for listed banks in Pakistan. This study is based on secondary data extracted from the annual reports of listed banks in Pakistan with quarterly data comprising 512 sample observations from 2015 to 2021. Panel data estimation techniques were employed for the analysis. The findings of the study revealed that all determinants influence firm value except liquid assets to total assets (LATA). The stock price of listed banks in Pakistan is continuously falling, which causes the stock's value to change from being overpriced to being undervalued. Nonperforming loans (NPLs) and the cost-to-income ratio (CIR) reduce firm value, while increases in the net interest margin (NIM) and capital adequacy ratio (CAR) enhance firm value. Further, NPLs and the CIR have a negative relationship with firm value. However, CAR, LATA, and NIM have positive associations with the firm value. The study concluded that the average capital adequacy ratio of listed banks in Pakistan is 10.5%, which is higher than the minimum requirement set by the regulator. This indicates that CAR helps to increase firm value in listed banks in Pakistan. The study will be useful to policymakers, regulators, and the banking sector in evaluating the major determinants that affect firm value.

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Globalisation, deregulation, technology, competition and new customers’ needs influence the banks to adopt marketing approach in promoting their product and services to generate income. In this aspect, personal selling which focuses on selling skills of banking employees becomes a very important banking function. This study intends to investigate the relationship between the determinants namely teamwork, learning, leadership, communication and, high performance culture and Key Performance Indicators (KPI). Inspite of the importance of KPI in measuring performance of salesforce, there is a lack of published empirical findings to explain the influence of these predictors on KPI achievement in banking sector.This study reported that the model explains 0.21 percent of the variance in KPI achievement. In which teamwork and high performance culture are found to be positive and significantly related. This new finding appears to imply that bank should cultivate and promote teamwork and high performance culture to ensure KPI highly achievable and enhance banks profitability.

The global financial crisis increased corporate world uncertainties. Therefore, to meet these challenges, firms take a more proactive approach to tackling various corporate governance and firm value initiatives and policies. This study aims to explore the moderating effect of capital adequacy on the relationship between board characteristics and the firm value of listed banks in Pakistan. To obtain a more robust empirical model and results, this study incorporates moderator and control variables. This study is based on half-yearly secondary data of 560 sample observations from 2009 to 2021. Multiple regression and panel data estimation techniques were employed for the analysis. The study used firm value as a dependent variable, proxied by Tobin’s Q, along with five independent variables, one moderating variable, and two control variables. The results of this study indicate that a higher capital adequacy ratio (CAR) increases firm value and has a moderating effect on board characteristics and firm value. Low proportions of women and independent directors on board affect firm value. The presence of risk management and audit committees in listed Pakistani banks, on the other hand, increases firm value. The banks in Pakistan have no problem with CEO duality. The study also found that bank size has a positive relationship with firm value, while bank age has a negative relationship with firm value.