Irfah Najihah Basir Malan

Factors affecting switching behavior among banking consumers: A Malaysian perspective

This study seeks to explore the factors which cause consumers to switch between banks in the banking industry. A motivation of study comes from the prevalent of switching behavior among banking consumers. For instance, a lack of adoption of new services offered in banking services by customers is one of the important risks in the modern banking. Lack of attention to this risk may lead to serious financial harms and failures. This kind of study is a relatively unexplored research issue and investigation needs to be made specifically from a developing country such as Malaysia, provides interesting evidence on this aspect of banking services. A survey is conducted in this study and the number of respondents was about 100 customers. The key findings show that bank switching is strongly influenced by three types of incident; pricing, inconvenience and core service failures; with pricing being more influential.

Notice of Retraction Factors affecting switching behavior among banking consumers: A Malaysian perspective

This study seeks to explore the factors which cause consumers to switch between banks in the banking industry. A motivation of study comes from the prevalent of switching behavior among banking consumers. For instance, a lack of adoption of new services offered in banking services by customers is one of the important risks in the modern banking. Lack of attention to this risk may lead to serious financial harms and failures. This kind of study is a relatively unexplored research issue and investigation needs to be made specifically from a developing country such as Malaysia, provides interesting evidence on this aspect of banking services. A survey is conducted in this study and the number of respondents was about 100 customers. The key findings show that bank switching is strongly influenced by three types of incident; pricing, inconvenience and core service failures; with pricing being more influential.

RETRACTED ARTICLE: Factors affecting switching behavior among banking consumers: A Malaysian perspective

This study seeks to explore the factors which cause consumers to switch between banks in the banking industry. A motivation of study comes from the prevalent of switching behavior among banking consumers. For instance, a lack of adoption of new services offered in banking services by customers is one of the important risks in the modern banking. Lack of attention to this risk may lead to serious financial harms and failures. This kind of study is a relatively unexplored research issue and investigation needs to be made specifically from a developing country such as Malaysia, provides interesting evidence on this aspect of banking services. A survey is conducted in this study and the number of respondents was about 100 customers. The key findings show that bank switching is strongly influenced by three types of incident; pricing, inconvenience and core service failures; with pricing being more influential.

Level of Cash Flow Rights of the Ultimate Owner on Value Relevance of Earnings Information of Pyramid Structure Firms

The objective of this study is to ascertain whether the higher level of cash flow rights (CFR) in the hand of ultimate owner help to improve the value relevance of earnings information in pyramid structure firms. The separation of cash flow rights (CFR) and control rights (CR) in pyramid structure firms has entrenched the ultimate owner and provide them with opportunities to manipulate earnings information, which in turn reduce the value relevance of the earnings information reported. This study hypothesizes that the higher level of cash flow rights (CFR) in pyramid structure identified will help to reduce the agency problem between ultimate owner and minority shareholder by reducing the opportunity of ultimate owner to manipulate earnings information, which will increase the value relevance of earnings information in pyramid structure firms. The sample of this study consists of pyramid structure firms in Malaysia for the period of 1990 to 2010, where the identity of the ultimate owner is pyramidal ownership. Earnings return model with the interaction between earnings information reported by pyramid structure firms and the level of cash flow rights (CFR) of ultimate owner is provided to show the effect on the earnings-return relationship in an attempt to measure the value relevance of earnings information reported. Positive earnings-return relationship and higher adjusted R2 indicate that earnings information is value relevant and vice-versa. Using Panel Generalized Least Square (GLS) estimation, the results show that the presence of higher level of cash flow rights (CFR) in pyramid structure is significant to minimize and mitigate the negative effects of the structure based on higher adjusted R2 reported within positive earnings-return relationship.