Purpose The purpose of this study is to examine the factors that influence the consumer intention to adopt Islamic banking. Design/methodology/approach The study extends the theory of reasoned action (TRA) by incorporating additional variables such as government support, perceived risk, perceived image, religiosity and culture. A research instrument adapted from previous studies is administered online on a sample of 310 respondents. The data collected are subjected to exploratory factor analysis followed by structural equation modeling using SPSS and analysis of a moment structures (22.0 Version). Findings The results of the study reveal that consumer intention to use Islamic banking is collectively determined by attitude, religiosity, culture, government support and perceived risk. It reflects that attitude and religiosity are the major predictors of a consumer’s intention followed by government support. Furthermore, results indicate that a consumer’s attitude toward Islamic banking is determined by social influence, government support, religiosity and perceived risk. Also, it is found that culture and perceived image have no significant effect on a consumer’s attitude toward adoption of Islamic banking. Further, the results indicate that attitude mediates the effect of religiosity, perceived risk, government support and culture on a consumer’s intention to use Islamic banking. Research limitations/implications The success of Islamic banking ultimately depends on consumer readiness and adoption of it. This study provides significant insights into various aspects of consumer attitude and intention toward Islamic banking adoption. The results provide vital inputs to policymakers and practitioners in offering and promoting Islamic banking. Also, the knowledge and understanding of key consumer specific factors can be used by banks in framing strategies for positioning and targeting Islamic banking products. The study is subjected to certain limitations such as – the study accounts only for limited factors and does not provide for factors such as pricing, behavioral control and Islamicity of the product. Second, this study is limited to the geographic area of Kashmir. Third, the study design is cross-sectional is nature. Originality/value Essentially, this study is a pioneering effort in applying an integrated TRA model to determine consumer intention to use Islamic banking in Kashmir. Furthermore, the current study examines the relationship between additional variables simultaneously within the framework of TRA. The study also explores the effect of religiosity and culture on consumer’s attitude and intention, which has remained largely unexplored in the context of Islamic banking.

Purpose The purpose of this study is to understand the residents’ perception towards environmental, social, cultural and economic impacts of tourism development in Kashmir. Design/methodology/approach The research instrument containing 27 items pertaining to six variables is adopted from the literature. A mix-method survey approach is used to solicit residents’ perceptions regarding environmental, social, cultural and economic impacts of the current level of tourism development. A total of 326 useful responses were subjected to descriptive statistics, analysis of variance (ANOVA) and post hoc analysis using SPSS (Version 22.0). Findings In general, the negative and positive impacts of tourism development are well perceived by the residents. The results indicate that the residents display positive perception regarding economic impacts, however, social and environmental impacts are negatively perceived. Furthermore, barring level of education, the study found no significant difference in the residents’ perception towards tourism impacts (environmental, social, cultural, economic, quality of life and cost of living). Research limitations/implications The paper identifies perceived impacts and issues of tourism development thereby, proposing possible mitigating measures. Also, the study identifies the need to develop a comprehensive policy framework addressing the issues related to the resident’s negative feelings towards tourism impacts. Further, the study envisages the need for engaging residents in developing a progressive and participatory planning process for future tourism activities in the area. Social implications The study offers critical social implications for city tourism development. It suggests a community-based approach should be adopted to sensitize residents about the positive benefits of tourism. Originality/value The study is a novel attempt concerning residents’ residents perceptual differences towards tourism impacts. Furthermore, this study investigated socio-cultural impacts of tourism under two separate categories for better understanding. in doing so, this study provides finer understanding of perception of residents towards tourism impacts in Indian context. The findings of the study will prove critical for different stakeholders in developing future tourism framework and policies in the region.

Purpose This study aims to extend the theory of planned behaviour (TPB) to develop finer understanding about tourist’s attitude and intention towards visiting a politically unstable and conflict-ridden destination such as Kashmir. Design/methodology/approach A research instrument adapted from previous studies is administered on 490 tourists. The data collected is subjected to exploratory factor analysis followed by structural equation modelling using SPSS and AMOS. The study tests and validates a more robust behavioural prediction model grounded on the TPB. Findings The results of the study found that the tourists’ destination choice intention in a politically sensitive area such as Jammu and Kashmir is collectively determined by perceived destination attractiveness, perceived destination image, familiarity with place, media exposure and perceived value. However, quite interestingly, perceived risk and attitude were found to be insignificant determinants of choice intentionality. Research limitations/implications The study empirically validates extended TPB to predict tourist behaviour in a politically sensitive setting. Furthermore, the study provides vital inputs to the destination managers, policy makers and practitioners to develop strategies to enhance destination image and attractiveness. Although the study provides critical insights into the tourist’s decision-making process, nonetheless, certain limitations, such as restricted geographical approach, convenience sampling and ignoring the inter-group variations, warrant attention. Originality/value The study is essentially a pioneering effort in applying an integrated TPB model in determining destination choice intentionality in a politically sensitive region of Jammu and Kashmir. The region has the potential to be one of the best destinations in the world. Therefore, studying the tourist perceptions and attitudes and intention towards Kashmir could help the local government and other destination management organizations in charting future courses of action.

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