Purpose � The main aim of this paper is to identify whether certain consumers behave irrationally when it comes to select banking products. This paper builds on one of the most signifcant banking products that is the credit card. Design/methodology/approach � This is an exploratory research paper. Therefore, only descriptive analysis on the differences between three credit card user groups such as the Islamic credit card users, conventional card users and users who decide to use both credit cards, conventional and Islamic, were presented. Findings � The demographic and psychographic factors for the three different groups differ. In addition, there are four factors that infuence the credit card selection. The factors are insurance/takaful provided by the credit issuers, cost associated with the credit card, the reward points programme offered and the convenience factors. Furthermore, the study found that three of the factors except insurance/takaful are signifcantly different between three credit card groups. Research limitations/implications � This paper is limited to the context of Malaysia and the respondents are mostly from the same ethnic. Therefore, it could not be generalised in the context of other countries and further studies comparing different culture or ethnic could beneft and enrich the topic of study. Practical implications � The Islamic and conventional banks could focus on several factors infuencing customers� selection and could focus to improve certain lacking areas as perceived by the consumers. The ability to increase the perceptions of the consumers regarding their credit cards will enable their products to be chosen in the market. Originality/value � There was a signifcant amount of literature discussed in the Islamic banking selection factors. However, little attention being paid to the selection of a specifc bank�s product. This study offers a study that looks into the selection of the credit card offered by the banks in respect to the irrational behaviours of the religious consumers in economic activities as compared to the conventional economists. This paper will contribute to the body of existing literature of banking selection. � Emerald Group Publishing Limited

A rapid increase in household debt is undeniably a main concern among policymakers. Studies indicating the damaging effect of rapid rise in household debt towards economic growth attracted many researchers to determine its reasons. The risk from high household debt is not only applicable to advanced economies, but also inherent in emerging economies. Thus, the present study examines the leading causes of household debt in emerging economies. The study employs a bias-corrected least square dummy variable for the period of 1995–2018. The results show positive and significant effects of financial development, house prices, and lending interest rate. Meanwhile, unemployment rate and inflation are negatively associated with household debt. The study therefore urges policymakers, relevant authority and financial institutions to employ suitable and effective policy to mitigate the factors identified in the rise of household debt. © 2020 The Author(s). This open access article is distributed under a Creative Commons Attribution (CC-BY) 4.0 license.

In the SaaS cloud environment, information security has been a major hindrance. Technical solutions are abundant however, it is still insufficient to protect information from intruders. Study shows that a significant number of security incidents are caused by human error be it intentionally or accidently. Security incompliance has been identified to make up one fourth of the security problems in the cloud environment and has caused a paramount loss of income and valuable data in the organisation. Drawing on cognitive theory and organisational theory, this study aims at developing a conceptual framework by identifying relevant human factors which give impact to the security conduct of the employees in the organisation. Employing a mixed method approach a pilot study was conducted to test the reliability of the developed model. Result shows the significance and reliability of all items tested hence a development of conceptual framework. � Medwell Journals, 2017.