The growth and development of Islamic finance in Malaysia vis-�-vis the conventional finance has been supported by the comprehensive regulatory framework and a conducive environment. Despite the favourable operating environment, and commendable performance of certain Islamic financial products and services, a majority of financial services consumers is still pursuing conventional banking products. Their lack of acceptance of Shariah compliant banking products is attributable to many factors; including lack of knowledge and awareness of Shariah compliant issues, which has given rise to scepticism and continued misperception of the products as well as bankers' approaches to product and market development of Islamic financial products and services. This exploratory study is aimed at identifying consumer acceptance of Islamic Credit Cards (ICCs) and the determinants of their acceptance. The variables tested were attitude, knowledge, perceived benefits, brand reputation and Shariah compliance. Since Islamic banking products are meant for all, it is timely to highlight the focal point of Shariah compliance as the main attribute. This study also provides further insights into understanding consumers' acceptance of ICCs. � Universiti Putra Malaysia Press.

The 2008 financial crisis was the result of escalating house prices and a hasty increase in household debt. In a sample of 41 advanced and emerging countries, this paper employs a logit estimation model to examine the role of household debt and house price as indicators of systemic banking for the period of 1980 until 2018. The results confirm that a high growth in household debt and house price increase enhances the probability for crises to erupt. While this is a consistent evidence for advanced economies, an observation of emerging economies suggests that only a change in household debt and not a change in house prices may cause banking crises to erupt. Policymakers can thus design predictive EWS models based on the surge in household debt and house prices prior to the crises which would lessen, if not alleviate, the effect of upcoming economic shocks by monitoring the macroeconomic changes. � 2020 Penerbit Universiti Kebangsaan Malaysia. All rights reserved.

Complying with the security rules and standard is important to safeguard valuable information in the organisation. Failure to prevent security breaches costs the organisation huge losses and bad reputation. Technical solutions are abundant but nonetheless still unsuccessful to deter information security incidents. The root cause of incompliance is humans as they are the weakest link of security chain. This paper examines the information security control management particularly on information security awareness, training and education, risk analysis and management, information security policies and procedures as well as physical security monitoring, and cognitive factors which give impact towards the employees' information security compliant behaviour in the organization. Based on convenient sampling, a survey was conducted to employees of public and private sectors in Malaysia who are the Software as a Service (SaaS) cloud users. Data was collected online and was analysed using PLS-SEM. Result shows that information security control management and cognitive factors have high significant impact in deterring information security misbehaviour in the context of cloud users. � Published under licence by IOP Publishing Ltd.

The objective of this paper is to deepen the understanding of customers' satisfaction among credit card users. The study employs the Servperf model to evaluate the functional service quality dimensions of satisfaction of credit card users of Islamic versus conventional banking in Malaysia. The comparison between different types of credit card users is examined using factor analysis and regression. The dimensions are found to be robust for different types of credit card users, except for the Assurance dimension. The dimension did not form significantly in the factor analysis whenever respondents, who are Islamic credit card users, are included. Meanwhile, all of the dimensions are found in the regression analysis to have positive relationships with customer satisfaction, which are consistent with the theoretical prediction. This is the first contextual study conducted in the credit card industry that compares the functional service quality satisfaction of Islamic credit card users with conventional credit card users.

Complying with the security rules and standard is important to safeguard valuable information in the organisation. Failure to prevent security breaches costs the organisation huge losses and bad reputation. Technical solutions are abundant but nonetheless still unsuccessful to deter information security incidents. The root cause of incompliance is humans as they are the weakest link of security chain. Based on the integration of social cognitive theory and extended deterrence theory, this paper examines the information security control management particularly on information security awareness, training and education, risk analysis and management, policies and procedures as well as physical security monitoring, and cognitive factors which give impact towards the employees� information security compliant behaviour in the organisation. Utilising purposive sampling, a survey was conducted to employees of public and private sectors in Malaysia who are identified as Software-as-a-Service cloud users. Data collected was analysed using PLS-SEM. Result shows that information security control management and social factors have significant impact in deterring information security misbehaviour in the context of cloud users. � BEIESP.