This study examines the ability and application of the theory of reasoned action (TRA) in explaining the use of banking system in Yemen. It investigates the impact of two theoretical variables (attitude and subjective norms), using a sample consists of university students, on individuals' intention to use banking services. The results of the study revealed a strong predictive power of the theory of reasoned action model to explain university students' behavioural intention to use banking services. Statistically, the finding demonstrated that there are significant and positive relationships between students' attitude, subjective norm as predictor variables on the criterion variable of behavioural intention to use banking services in the context of

Electronic government (EG) refers to a computer application employed in government activities and operations, where both government and the public are enabled to interact and transact online. The practicability of EG has not been largely explored in the context of Iraq, owing to the conflicting activities it has been experiencing in the past few years. Prior to EG adoption, variables have to be examined such as infrastructure, social factors, security, skills, users' behavior etc. The present study aims at examining the related variables that could potentially bar the EG services adoption in Iraq with the help of the Unified Theory of Acceptance and Use of Technology (UTAUT). Three independent variables are examined namely effort expectancy, performance expectancy, and social influence -the influence of these variables on the EG services uses as the dependent variable is examined. The study proposes a quantitative examination of the EG services usage behavior with data gathered from Iraq. The study findings are then discussed.

With the rapid growth in the Malaysian automotive industry, brand loyalty has become a major issue for a majority of the automobile brands. Market shares for national brand automobiles had been on the declining stage since 2011, from 56.4 per cent to 46.8 per cent in 2014. The objectives of this study are to verify the factors that affect consumers’ perception towards brand loyalty by studying the relationships between three important factors: which are service quality, marketing-mix strategy, and country-of-origin, on brand loyalty. A postal mail survey using judgmental, cluster and simple random sampling of Malaysian consumers in the Klang Valley yielded 413 respondents of which 381 samples are usable. Regression was used to analyse the relationships between the variables. Results showed that marketing-mix strategy and country-of-origin have significant relationships with brand loyalty. However, service quality does not have any significant relationship with brand loyalty. The findings of this study, while contributing to the body of knowledge may also assist policy makers and marketers in their sustainability efforts. Keywords: brand loyalty, service quality, marketing-mix strategy, countryof-origin, Malaysia

In the context of developed countries and in several Middle Eastern countries, the problem of motivating consumers to make use of banking services has been resolved. However, in Yemen, majority of the citizens are non-bank users. This fact leads to a major issue and negatively affects the economy of the country. In this regard, the present study aims to shed a light on the factors that have the potential to influence Yemeni citizen's use of the country's banking system like service quality and Yemeni culture. For this purpose, 850 questionnaires were distributed to part-time university going students. Data collected was analyzed with the help of correlation and multiple regression analysis to determine the factors prediction of the behavioral intention to use Yemeni banking system. The results showed the positive and significant effect of service quality and the significant and negative effect of culture on the consumers' use of Yemeni banking system. Moreover, hierarchical regressions were used to test the effect of trust as a moderator variable. Student's trust had a statistically moderating the relationship between cultural belief and intention but in the negative direction. The study contributes to the academic understanding of the behavioral intention of consumers in the context of Yemen and to the practitioners and policy makers use of the effective strategy to attract customers to the country's banking system.

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One of the critical aspects of an individual’s life is career choice as this will determine the role pattern needed to be played by the individual in the society in the future,andit is one of the important processes in life. This study aimsto investigate the factors influencing the career choice of the students. This study focusedon undergraduate students in the Universityof Aden. Undergraduate students were chosenbecause right upon graduation, they are the ones who will be decidingon their career choices. The findings of the study largely supported the hypothesizedrelationships proposed in the theoretical model and showed that the family, self-efficacy and economic considerations exerted significant influence on the choice of a career among students. Moreover, the results showed that the influence of family, self-efficacy and economic considerations was positive on career choices. Toinvestigatingstudent’s career choice that isaffected by other important factors, further studies are strongly recommended.

The banking system played a crucial role in the economic growth. All sectors of any economies have grown under a solid banking system. However, the banking system in Yemen is facing many challenges that are hampering the country's development. This study attempts to discover the important factors that are influencing Yemenis to use the banking system’s services by investigating the relationship between the intention to use banking services and consumer’s trust, while cultural beliefs played moderator role between IV and DV. Questionnaire distributed to part time university students in seven cities in the country. Data was analysed by SmartPLS3, and the results showed trust significantly and positively influences university student's behavioral intention to use banking services. On the other hand, cultural belief was significant but in the negative direction. The study had a significant contribution to the academic understanding of the consumer's behavioral intention in the banking system in Yemen.

This study purposes to discover the important factors that impact loyalty to local brands by investigating the bond between brand experience (BE), brand satisfaction, brand trust (BT), and brand image (BI), on brand loyalty (BL) of local automotive brands in Malaysia. Partial Least Squares and Smart PLS 3 was used in the data analysis. finding indicated a positive and significant influence between BE and BS, BE and BT, BI and BS, BI and BT, BS and BL, BT and BL. In contrast, no significant influence found between BE and BL, and BI and BL. The findings also contribute to our understanding of the local brand loyalty marketing phenomenon and inspire practice in the design of meaningful brand experiences in automotive brands.