Arif Ahsan

Universiti Malaysia Perlis (UniMAP), Business Administration, Doctoral Researcher-Finance

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"I am a passionate and dedicated full-time doctoral researcher at the Department of Business, Faculty of Business and Communication, Universiti Malaysia Perlis (UniMAP), Malaysia. I am committed to pushing the boundaries of knowledge in the fields of FinTech, Financial Management, Innovation, and SMEs.
In addition to my role as a doctoral researcher, I proudly served as an Assistant Professor (currently on study leave) at the College of Business Administration (CBA), IUBAT-International University of Business Agriculture and Technology, Bangladesh.
My educational journey has taken me across borders, including the completion of a Master of Business Administration (MBA) program at Kent Business School (KBS), University of Kent, UK and a Bachelor of Business Administration (BBA) from the American International University-Bangladesh (AIUB), Bangladesh. My academic foundation was laid at the renowned Sylhet Cadet College, Bangladesh, where I completed my Secondary School Certificate (SSC) and Higher Secondary Certificate (HSC).
I am driven by a commitment to excellence and a thirst for knowledge, and I actively engage in the academic community. I have had the privilege of participating in workshops and seminars that have enriched my research skills. Some of these include "Data analysis with Smart PLS 4.0," "10 strategies for publishing in Q1 journals," "Mastering the art of crafting and structuring Theses/Dissertations," "Identifying research problems and constructing a robust theoretical framework," and "Elevating your research with Scopus and Mendeley."
I welcome the opportunity to connect and collaborate with fellow academicians and researchers in my areas of expertise. Let's connect on LinkedIn to explore potential collaborations and the exchange of ideas."
Supervisors: Dr. Dayang Hasliza Muhd Yusuf

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How Banking Service Attributes Influence Account Opening Intentions: Interest Rates, Terms, Variations, Branch Locations

How Banking Service Attributes Influence Account Opening Intentions: Interest Rates, Terms, Variations, Branch Locations, 2024

Banks are the key heart of financial institutions. In most economies, the banking sector is regar... more Banks are the key heart of financial institutions. In most economies, the banking sector is regarded as the financial system's backbone, and it plays a critical role in attaining economic growth and expansion. The main objective of this study is to identify the key factors that are contributing to account opening in Bangladeshi's Banks and how the state of customers is impacted. Primary data were collected from the customers of the bank to understand banking service attributes using a five-point Likert scale survey questionnaire. A total of 384 customers of Janata Bank Limited, Dhaka North City, Bangladesh participated in this survey. SPSS 30.0 has been used to analyze the collected data. The outcome of the analysis reveals that interest rates, terms and conditions, variations in banking products and the location of the bank branches play a vital role in influencing the intention of account opening intentions. It is suggested that the intention to open a bank account has to be improved through the improvement of flexible terms, the introduction of more variations on banking products and monitoring of the interest rate as per the regulatory bank. Moreover, focusing on mobile-based financial technology as a substitute for physical banking services could accelerate the financial performance of banks. This study would contribute to the banking industry in understanding various reasons that help to create an intention of opening a bank account which ultimately leads to stable financial conditions of banks.

Arif Ahsan

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