Author

Kaleem Mustafa

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Open access Aug 2026

Determinants of Islamic Fintech Adoption among Young Consumers in Pakistan: The Moderating Role of Shariah Compliance Awareness

The present study, based on integrative technology acceptance, risk-trust and Shariah-signalling theories, explored the factors influencing the intention to adopt Islamic finance technologies by young consumers in Pakistan. The study was conducted on 462 respondents using data collected from PLS-SEM to evaluate the dir...

Khawaja Masood Raza, Imran Abdul Aziz, Salman Sarwat et al. · Journal of Global Social Tra... · 0 citations

Open access Sep 2026

Exploring the Use of Artificial Intelligence in Education: Ethical Considerations and Responsible Use of AI in the Digital Educational Learning Environment

The authors summarize that the indispensable components to integrate AI responsibly are opaque algorithms, solid policies to protect the data, ethical principles, and human control of AI, which will improve AI-enabled learning systems that support digital transformation in education through sustainable and responsible...

Hiba Syed, Abdullah Ghunio, Muhammad Usman Jamal et al. · The social science · 0 citations