Purpose – The purpose of this paper is to provide an insight into the determinants of the customers’ attitude and behavioural intention to use Internet banking services, paying special attention to the role of perceived risk, trust, enjoyment, website design and social influence. Design/methodology/approach – A research model grounded on the technology acceptance model (TAM) reflecting the effects of trust, perceived risk, perceived enjoyment, perceived website design and social influence on TAM constructs is proposed. The structural equation modelling technique is used to analyse a sample of 697 individual Internet banking users in India through an online survey. Findings – The results of data analysis confirm some of the hypotheses drawn from the literature. Consistent with some of the other studies, perceived usefulness, perceived ease of use, trust and perceived enjoyment are found to be immediate direct determinants of customers’ attitude towards using Internet banking. Attitude, perceived risk, perceived enjoyment and trust determine the customers’ behavioural intentions to use Internet banking. Although the direct effect of perceived website design is significant only on perceived ease of use, its indirect effects are significant on perceived usefulness, attitude and behavioural intentions. Furthermore, perceived enjoyment exerts both direct and indirect effects on perceived usefulness but exerts only direct effect on perceived ease of use. Research limitations/implications – Generalizability of the research is a practical limitation in consumer research studies and the present study is not an exception to that. The current study focused only on some technological, behavioural and attitudinal factors, and many customer-specific factors and other psychographic and behavioural factors such as cost, perceived value, service quality and satisfaction, which can provide more significant insight into the adoption process, are not a part of the scope of the study. Practical implications – This research specifies the implications in three perspectives, viz., theoretical, methodological and managerial. Furthermore, this study provides the practical recommendations to enhance customer trust and guidelines to reduce perceived risk. The most significant implication for the banking sector is that apart from offering useful and user-friendly services, they need to build a trusting relationship with customers. Originality/value – This study extends existing body of Internet banking literature by incorporating trust and risk perceptions. The effects of website design and perceived enjoyment on Internet banking acceptance have been examined and were found to be significant in the Indian context. In addition, it enables us to contribute to the current literature on the emerging Indian Internet banking services (IBS) market, which is largely under-researched.

This article captures the present state of research on counterfeit luxury consumption by providing a critical review of the existing body of knowledge. The article proposes a novel conceptualization of counterfeit luxury consumption from a consumer perspective. Based on predetermined inclusion criteria, the paper provides a systematic review of the growing yet still fragmented scholarship on counterfeit luxury consumption. It provides a historical overview of the extant counterfeiting research, synthesizes the existing body of knowledge, and provides propositions for future research and practice. In our pursuit towards building a robust counterfeiting theory, this study identifies the key perspectives that seek to explain the consumption of counterfeit luxury brands through different lenses. The article reviews key theories and constructs, identifies inconsistencies in findings, and provides explanations towards a common understanding. To this pursuit, a synthesis of three counterfeiting research domains is presented; moreover, an integrated model, which captures their interrelationships, is proposed. Finally, the implications for theory and practice are spelled out. The resultant five key tenets are, therefore, proposed to guide the future of research in counterfeit luxury consumption.

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.

This article investigates the determinants of young consumers’ intention to use Internet banking services in India. The current research developed a theoretical model grounded on technology acceptance model (TAM) by incorporating additional variable such as trust, perceived risk, social influence and self-efficacy. The study collected a total of 155 usable responses through convenience sampling from university students aged between 18 and 36 years. Correlation and multiple regression analysis was employed to determine the underlying relationship between dependent variable (behavioural intention) and independent variables. The results revealed that perceived usefulness (PU), ease of use, trust, self-efficacy and social influence have significant positive influence on young consumers’ intention to use Internet banking, whereas perceived risk exerted significant negative effect. Among all these factors, perceived risk has major significant effect on intention, followed by PU, perceived ease of use and trust. Hence, bank practitioners should focus on increasing usefulness of Internet banking system and devise trust building strategies that would reduce consumers’ perceived risk and attract them to use Internet banking.

In the late 1970s, rapid disintegrating drug delivery system was developed as an alternative to capsules, tablets and syrups for geriatric and pediatric patients having problems in swallowing. To overcome the need, number of orally disintegrating tablets which disintegrate within one minute in mouth without chewing or drinking water were commercialized. Then later, oral drug delivery technology had been improved from conventional dosage form to modified release dosage form and developed recently rapid disintegrating films rather than oral disintegrating tablets. Oral disintegrating film or strips containing water dissolving polymer retain the dosage form to be quickly hydrated by saliva, adhere to mucosa, and disintegrate within a few seconds, dissolve and releases medication for oro-mucosal absorption when placed in mouth. Oral film technology is the alternative route with first pass metabolism. This review give a comprehensive detail of materials used in ODF, manufacturing process, evaluation tests and marketed products.Mahboob et al., International Current Pharmaceutical Journal, November 2016, 5(12): 111-117http://www.icpjonline.com/documents/Vol5Issue12/03.pdf

Purpose The study aims to investigate the effect of four customer relationship management (CRM) dimensions, namely, customer orientation, customer relationship management organization, managing knowledge and CRM based technology, on customer satisfaction in the hospitality sector of Kashmir. Design/methodology/approach A survey instrument with a slight modification is adapted from literature and is exercised on the customers of three- and four-star hotels operating in Kashmir. A total of 176 responses received using systematic random sampling were subjected to exploratory factor and regression analyses to uncover the underlying relationships among dependent and independent variables. Findings The results revealed a significant and positive relationship between CRM dimensions, namely, customer orientation, managing knowledge and CRM organization on customer satisfaction. Though the results also indicate a significant positive effect of CRM-based technology on customer satisfaction, the magnitude of this effect is very weak. This suggests that hotel organizations use technology as a mere tool to store customer information only. Thus, CRM-based technology should be used by the hotels to analyze customer information and, subsequently, design customized products. This will unravel the full potential of the technology and lead to better customer satisfaction. Practical implications The findings of this study provide significant insights to the practitioners to understand the role of successfully implementing a CRM strategy. It reflects that establishing an effective CRM strategy helps managers in improving customer satisfaction and in maintaining a long-term relationship with customers to achieve the organizational goals. Thus, establishing an efficient and effective CRM strategy should be (one of) the key objectives for all hotel managers. Moreover, the hotels that successfully implement CRM strategy and manage customer knowledge properly will reap the rewards in terms of better customer loyalty and long-term sustainable profitability. Originality/value This study approaches the implementation of CRM strategy from a customer perspective with a specific focus on investigating the effect of four CRM dimensions on customer satisfaction in the hospitality sector. This will provide a novel impetus to the hotel managers to devise and manage a CRM strategy that leads to (better) customer satisfaction.

Cervical cancer is one of the leading causes of morbidity and mortality amongst the gynecological cancers worldwide, especially in developing countries. There are few to no initial symptoms and signs. This study was conducted to assess the awareness level of young Pakistani women about cervical cancer and to educate them about this deadly disease. A detailed questionnaire regarding demographic data and information about cervical cancer was distributed in different cities of Punjab. A total of 873 women took part in this survey and 70.1 percent were totally unaware of this cancer. Only 8.5% of the whole surveyed population knew accurately about cancer of cervix, 7% of the surveyed respondents correctly specified the human papilloma virus as the causative agent. Only 5.2% respondents were able to identify the Pap smear test as a diagnostic measure. Out of all the surveyed population only 4.3% of individuals were found to be vaccinated against this disease and the majority was found from the medical profession. Medical professionals, students, working women, housewives and uneducated individuals took active part in this survey. This study demonstrates a low level of awareness among Pakistani women and a need for an active campaign by media and government to increase understanding as well as introducing measures for improved prevention and treatment of cervical cancer.

Skin being the primary barrier to infection can be damaged by burn injury. Burn injury may lead to distributive, hypovolemic and cardiogenic shock. A burn victim may experience several extremely mortal complications i.e. local and systemic. When the injury exceeds 25 to 30% total body surface area (TBSA) there will be the chances of generalized edema in non-injured tissues. Fluid resuscitation is very effective method in the management of major burn. According to the expert opinion, the fluid resuscitation should be started in adults with 15% and children with 10% burns. In this review article, it has been concluded that opioids, anticonvulsants, antidepressants, benzodiazepines and ketamine are the most commonly used drugs in the management of burn pain. Silver compound or its salts mainly Silver sulfadiazine is an important remedy in topical treatment. Sepsis is the main cause of death in burn victims.Masood et al., International Current Pharmaceutical Journal, November 2016, 5(12): 103-105http://www.icpjonline.com/documents/Vol5Issue12/01.pdf