Trust as the Gateway to Islamic Bank Adoption: Integrating Digital Religious Influence and Management Capability

https://doi.org/10.35912/ahrmr.v5i3.3816
Published: Jan 2, 2026

Abstract:

Purpose: This study aims to examine customer adoption of Bank Syariah Indonesia (BSI) by applying a parsimonious Stimulus–Organism–Response (SOR) framework that integrates digital religious influence and institutional capability to explain adoption decisions in the context of Islamic banking.

Methodology: The study employed a quantitative survey approach using mixed-mode data collection (online and on-site questionnaires). Data were collected from 325 active BSI customers located in the Jakarta–Bogor–Depok–Tangerang–Bekasi (Jabodetabek) area. Online Religious Leaders and Managerial Performance were modeled as exogenous stimuli, Product Value Trust as the organismic variable, and the Decision to Become a BSI Customer as the response variable. The data were analyzed using Structural Equation Modeling with Partial Least Squares (SEM-PLS).

Results: The findings indicate that Online Religious Leaders and Managerial Performance significantly enhance Product Value Trust, which in turn positively influences customers’ adoption decisions. Both stimuli also exhibit significant direct effects on adoption decisions. Mediation analysis confirms that Product Value Trust partially mediates the relationship between the stimuli and customer adoption.

Conclusions: The results demonstrate that customer adoption of Islamic banking is shaped by the alignment of credible religious influence and visible managerial performance that collectively strengthen trust in product value.

Limitations: This study is limited to customers in the Jabodetabek area and relies on cross-sectional data.

Contributions: This study contributes to Islamic banking and consumer behavior literature by identifying Product Value Trust as a central mechanism linking digital religious influence and institutional capability to customer adoption decisions.

Keywords:
1. Bank Syariah Indonesia
2. Islamic Banking Adoption
3. Product Value Trust
4. Online Religious Leaders
5. Stimulus–Organism–Response (SOR)
Authors:
1 . Kurniawati Mulyanti
Universitas Islam 45, Bekasi, Indonesia
2 . Sri Rusiyati
Universitas Nusa Mandiri, Jakarta, Indonesia
3 . Tuti Sulastri
Universitas Islam 45, Bekasi, Indonesia
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How to Cite
Mulyanti, K., Rusiyati, S. ., & Sulastri, T. . (2026). Trust as the Gateway to Islamic Bank Adoption: Integrating Digital Religious Influence and Management Capability . Annals of Human Resource Management Research, 5(3), 403–419. https://doi.org/10.35912/ahrmr.v5i3.3816
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Issue & Section
Vol. 5 No. 3 (2025): September
Articles
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This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

References

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    Althuwaini, S. (2022). The effect of social media activities on brand loyalty for banks: The role of brand trust. Administrative Sciences, 12(4), 148. doi:https://doi.org/10.3390/admsci12040148

    Amin, S., & Tarun, M. T. (2021). Effect of Consumption Values on Customers’ Green Purchase Intention: A Mediating Role of Green Trust. Social Responsibility Journal, 17(8), 1320-1336. doi:https://doi.org/10.1108/SRJ-05-2020-0191

    Arli, D., Gupta, N., Sardana, D., & Sharma, P. (2023). Demystifying the evaluation of brands endorsed by religious leaders in the emerging markets. International Marketing Review, 40(1), 155-175. doi:https://doi.org/10.1108/IMR-08-2021-0258

    Aslam, S., Elmagrhi, M. H., Rehman, R. U., & Ntim, C. G. (2021). Environmental management practices and financial performance using data envelopment analysis in Japan: The mediating role of environmental performance. Business Strategy and the Environment, 30(4), 1655-1673. doi:https://doi.org/10.1002/bse.2700

    Brown, S., Chen, L., & O’Donnell, E. (2017). Organizational opinion leader charisma, rolemodeling, and relationships. International Journal of Organizational Analysis, 25(1), 80-102. doi:https://doi.org/10.1108/IJOA-10-2015-0924

    Cahayani, V. I., & Yuliati, A. L. (2020). The Effect of Social Commerce Construct on Consumer Trust and Purchase Intention. Almana: Jurnal Manajemen dan Bisnis, 4(1), 46-53. doi:https://doi.org/10.36555/almana.v4i1.1302

    Cardoso, A., & Cardoso, M. (2024). Bank reputation and trust: Impact on client satisfaction and loyalty for Portuguese clients. Journal of Risk and Financial Management, 17(7), 277. doi:https://doi.org/10.3390/jrfm17070277

    Chai, J. C. Y., Malhotra, N. K., & Alpert, F. (2015). A two-dimensional model of trust–value–loyalty in service relationships. Journal of Retailing and Consumer Services, 26, 23-31. doi:https://doi.org/10.1016/j.jretconser.2015.05.005

    Ernst, B. A., Banks, G. C., Loignon, A. C., Frear, K. A., Williams, C. E., Arciniega, L. M., . . . Subramanian, D. (2022). Virtual charismatic leadership and signaling theory: A prospective meta-analysis in five countries. The leadership quarterly, 33(5), 101541. doi:https://doi.org/10.1016/j.leaqua.2021.101541

    Fan, S., Yang, J., Liu, W., & Wang, H. (2019). Institutional credibility measurement based on structure of transaction costs: A case study of Ongniud Banner in the Inner Mongolia Autonomous Region. Ecological Economics, 159, 212-225. doi:https://doi.org/10.1016/j.ecolecon.2019.01.019

    Gan, C., & Wang, W. (2017). The influence of perceived value on purchase intention in social commerce context. Internet research, 27(4), 772-785. doi:https://doi.org/10.1108/IntR-06-2016-0164

    Gilani, H. (2015). Exploring the ethical aspects of Islamic banking. International Journal of Islamic and Middle Eastern Finance and Management, 8(1), 85-98. doi:https://doi.org/10.1108/IMEFM-09-2012-0087

    Gong, X., Ren, J., Zeng, L., & Xing, R. (2022). How KOLs influence consumer purchase intention in short video platforms: mediating effects of emotional response and virtual touch. International Journal of Information Systems in the Service Sector (IJISSS), 14(1), 1-23. doi:https://doi.org/10.4018/ijisss.287576

    Hasan, Z., Abduh, M., & Rosman, R. (2025). Transparency, Accountability, and Customer Trust in Islamic Banking: A Panel Data Analysis from Selected OIC Countries. Jurnal Magister Ekonomi Syariah, 4(2 Desember), 915-935.

    Hati, S. R. H., & Idris, A. (2019). The role of leader vs organisational credibility in Islamic social enterprise marketing communication. Journal of Islamic Marketing, 10(4), 1128-1150. doi:https://doi.org/10.1108/JIMA-02-2017-0018

    Ho, P. (2020). The credibility of (in) formality: Or, the irrelevance of institutional form in judging performance. Cities, 99, 102609. doi:https://doi.org/10.1016/j.cities.2020.102609

    Hussain, Z., Khan, A., Qureshi, M. A., Bansal, R., & Pruthi, N. (2025). The impact of online reviews on sustainable product adoption in the food industry: A serial mediation effect of consumer trust and perceived value. Journal of Promotion Management, 31(6), 933-955. doi:https://doi.org/10.1080/10496491.2025.2530056

    Indonesia, B. (2009). Peraturan Bank Indonesia Nomor 11/15/PBI/2009 Tentang Perubahan Kegiatan Usaha Bank Konvensional Menjadi Bank Syariah. Jakarta.

    Kexin, Z., & Teo, P.-C. (2023). The adoption of Stimulus-Organism-Response (SOR) model in the social commerce literature. International Journal of Academic Research in Business and Social Sciences, 13(7), 1879-1886. doi:https://doi.org/10.6007/IJARBSS/v13-i7/17290

    Kim, M. J., Lee, C.-K., & Jung, T. (2020). Exploring consumer behavior in virtual reality tourism using an extended stimulus-organism-response model. Journal of travel research, 59(1), 69-89. doi:https://doi.org/10.1177/0047287518818915

    Koohang, A., Paliszkiewicz, J., & Goluchowski, J. (2017). The impact of leadership on trust, knowledge management, and organizational performance: A research model. Industrial Management & Data Systems, 117(3), 521-537. doi:https://doi.org/10.1108/IMDS-02-2016-0072

    Lee, C. (2021). Factors influencing the credibility of performance measurement in nonprofits. International Review of public Administration, 26(2), 156-174. doi:https://doi.org/10.1080/12294659.2021.1884342

    Lee, L. H., & Abdullah, Z. (2024). Antecedents of internal reputation and its consequences on organizational outcomes: a systematic review. International Journal of Organization Theory & Behavior, 27(1), 55-79. doi:https://doi.org/10.1108/IJOTB-10-2022-0193

    Mahfud, M., & Hermawati, W. (2025). Management economics and strategic decision making in the digital age. Annals of Human Resource Management Research, 5(4), 187-198.

    Manzoor, U., Baig, S. A., Hashim, M., & Sami, A. (2020). Impact of social media marketing on consumer’s purchase intentions: the mediating role of customer trust. International Journal of Entrepreneurial Research, 3(2), 41-48. doi:https://doi.org/10.31580/ijer.v3i2.1386

    Marjono, A. K., & Chalid, D. A. (2024). The Impact Of Size And Other Income On Systemic Risk In Indonesia. Jurnal Manajemen, 28(2), 435-453. doi:https://doi.org/10.24912/jm.v28i2.2007

    Miao, M., Jalees, T., Zaman, S. I., Khan, S., Hanif, N.-u.-A., & Javed, M. K. (2022). The influence of e-customer satisfaction, e-trust and perceived value on consumer's repurchase intention in B2C e-commerce segment. Asia Pacific Journal of Marketing and Logistics, 34(10), 2184-2206. doi:https://doi.org/10.1108/APJML-03-2021-0221

    Michler, O., Decker, R., & Stummer, C. (2020). To trust or not to trust smart consumer products: a literature review of trust-building factors. Management Review Quarterly, 70(3), 391-420. doi:https://doi.org/10.1007/s11301-019-00171-8

    Mukti, B. H. (2025). Methods in health research: Probability and non-probability sampling. Health Sciences International Journal, 3(2), 220-234. doi:https://doi.org/10.71357/hsij.v3i2.64

    Mulyani, S., Diana, I. N., & Yuliana, I. (2025). Determinants of sharia bank customer loyalty in Abu Zahrah's Maqashid Syariah approach. Jurnal Ilmiah Akuntansi Kesatuan, 13(4), 791-804. doi:https://doi.org/10.37641/jiakes.v13i4.3634

    Mulyanti, K., Nugroho, A. S., & Darmansyah, D. (2025). A systematic literature review of online religious leaders, digital advertising, management performance, and consumer decisions in Islamic Banking. Journal of Economics and Business Letters, 5(2), 1-11. doi:https://doi.org/10.55942/jebl.v5i2.505

    Oktorini, R., & Barus, L. S. (2022). Integration of Public Transportation in Smart Transportation System (Smart Transportation System) in Jakarta. Konfrontasi: Jurnal Kultural, Ekonomi Dan Perubahan Sosial, 9(2), 341-347. doi:https://doi.org/10.33258/konfrontasi2.v9i2.223

    Phong, V. T., & Anh, V. M. D. (2023). Impact of the bank’s image and reputation on customer’s loyalty through customer’s trust: A case of commercial banks in Ho Chi Minh City. Open Journal of Business and Management, 11(5), 2652-2685. doi:https://doi.org/10.4236/ojbm.2023.115145

    Putri, E. N. (2025). Perceived ease of use, perceived usefulness and perceived trust on behavior intention to use mobile banking. Amkop Management Accounting Review (AMAR), 5(2), 547-554. doi:https://doi.org/10.37531/amar.v5i2.2362

    Qi, M., Zhang, J., Shi, D., Feng, S., & Xu, J. (2025). Systemic risk contagion and bailout effects in the global financial system. International Review of Economics & Finance, 102, 104298. doi:https://doi.org/10.1016/j.iref.2025.104298

    Tran, K. V., & Uehara, T. (2023). The influence of key opinion leaders on consumers' purchasing intention regarding green fashion products. Frontiers in Communication, 8, 1296174. doi:https://doi.org/10.3389/fcomm.2023.1296174

    Tran, V. D., & Nguyen, T. D. (2022). The impact of security, individuality, reputation, and consumer attitudes on purchase intention of online shopping: The evidence in Vietnam. Cogent Psychology, 9(1), 2035530. doi:https://doi.org/10.1080/23311908.2022.2035530

    Ubed, R. S., & Raharjo, T. (2024). An Integration of BSC and AHP for creating VOE’s Barriers of Entry Strategy. Annals of Human Resource Management Research, 4(2), 97-109. doi:https://doi.org/10.35912/ahrmr.v4i2.1757

    Widodo, D. S. (2025). Analysis of management support and self-efficacy on business sustainability through employee performance in micro and small businesses in Greater Jakarta. Annals of Human Resource Management Research, 5(4), 155-170. doi:https://doi.org/10.35912/ahrmr.v5i4.3206

    Wijaya, I. F., Moro, A., & Belghitar, Y. (2023). Trust in islamic business?to?business relationships: evidence from Indonesia. British Journal of Management, 34(1), 111-128. doi:https://doi.org/10.1111/1467-8551.12584

    Wu, Y.-L., & Li, E. Y. (2018). Marketing mix, customer value, and customer loyalty in social commerce: A stimulus-organism-response perspective. Internet research, 28(1), 74-104. doi:https://doi.org/10.1108/IntR-08-2016-0250

    Ying, H., Ji, H., Shi, X., & Wang, X. (2022). A trust model for consumer conversion in community-based group buying: The dual roles of group leaders. Modern Supply Chain Research and Applications, 4(2), 122-140. doi:https://doi.org/10.1108/MSCRA-01-2022-0004

    Yu, S., & Lee, J. (2019). The effects of consumers’ perceived values on intention to purchase upcycled products. Sustainability, 11(4), 1034. doi:https://doi.org/10.3390/su11041034

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  2. Althuwaini, S. (2022). The effect of social media activities on brand loyalty for banks: The role of brand trust. Administrative Sciences, 12(4), 148. doi:https://doi.org/10.3390/admsci12040148
  3. Amin, S., & Tarun, M. T. (2021). Effect of Consumption Values on Customers’ Green Purchase Intention: A Mediating Role of Green Trust. Social Responsibility Journal, 17(8), 1320-1336. doi:https://doi.org/10.1108/SRJ-05-2020-0191
  4. Arli, D., Gupta, N., Sardana, D., & Sharma, P. (2023). Demystifying the evaluation of brands endorsed by religious leaders in the emerging markets. International Marketing Review, 40(1), 155-175. doi:https://doi.org/10.1108/IMR-08-2021-0258
  5. Aslam, S., Elmagrhi, M. H., Rehman, R. U., & Ntim, C. G. (2021). Environmental management practices and financial performance using data envelopment analysis in Japan: The mediating role of environmental performance. Business Strategy and the Environment, 30(4), 1655-1673. doi:https://doi.org/10.1002/bse.2700
  6. Brown, S., Chen, L., & O’Donnell, E. (2017). Organizational opinion leader charisma, rolemodeling, and relationships. International Journal of Organizational Analysis, 25(1), 80-102. doi:https://doi.org/10.1108/IJOA-10-2015-0924
  7. Cahayani, V. I., & Yuliati, A. L. (2020). The Effect of Social Commerce Construct on Consumer Trust and Purchase Intention. Almana: Jurnal Manajemen dan Bisnis, 4(1), 46-53. doi:https://doi.org/10.36555/almana.v4i1.1302
  8. Cardoso, A., & Cardoso, M. (2024). Bank reputation and trust: Impact on client satisfaction and loyalty for Portuguese clients. Journal of Risk and Financial Management, 17(7), 277. doi:https://doi.org/10.3390/jrfm17070277
  9. Chai, J. C. Y., Malhotra, N. K., & Alpert, F. (2015). A two-dimensional model of trust–value–loyalty in service relationships. Journal of Retailing and Consumer Services, 26, 23-31. doi:https://doi.org/10.1016/j.jretconser.2015.05.005
  10. Ernst, B. A., Banks, G. C., Loignon, A. C., Frear, K. A., Williams, C. E., Arciniega, L. M., . . . Subramanian, D. (2022). Virtual charismatic leadership and signaling theory: A prospective meta-analysis in five countries. The leadership quarterly, 33(5), 101541. doi:https://doi.org/10.1016/j.leaqua.2021.101541
  11. Fan, S., Yang, J., Liu, W., & Wang, H. (2019). Institutional credibility measurement based on structure of transaction costs: A case study of Ongniud Banner in the Inner Mongolia Autonomous Region. Ecological Economics, 159, 212-225. doi:https://doi.org/10.1016/j.ecolecon.2019.01.019
  12. Gan, C., & Wang, W. (2017). The influence of perceived value on purchase intention in social commerce context. Internet research, 27(4), 772-785. doi:https://doi.org/10.1108/IntR-06-2016-0164
  13. Gilani, H. (2015). Exploring the ethical aspects of Islamic banking. International Journal of Islamic and Middle Eastern Finance and Management, 8(1), 85-98. doi:https://doi.org/10.1108/IMEFM-09-2012-0087
  14. Gong, X., Ren, J., Zeng, L., & Xing, R. (2022). How KOLs influence consumer purchase intention in short video platforms: mediating effects of emotional response and virtual touch. International Journal of Information Systems in the Service Sector (IJISSS), 14(1), 1-23. doi:https://doi.org/10.4018/ijisss.287576
  15. Hasan, Z., Abduh, M., & Rosman, R. (2025). Transparency, Accountability, and Customer Trust in Islamic Banking: A Panel Data Analysis from Selected OIC Countries. Jurnal Magister Ekonomi Syariah, 4(2 Desember), 915-935.
  16. Hati, S. R. H., & Idris, A. (2019). The role of leader vs organisational credibility in Islamic social enterprise marketing communication. Journal of Islamic Marketing, 10(4), 1128-1150. doi:https://doi.org/10.1108/JIMA-02-2017-0018
  17. Ho, P. (2020). The credibility of (in) formality: Or, the irrelevance of institutional form in judging performance. Cities, 99, 102609. doi:https://doi.org/10.1016/j.cities.2020.102609
  18. Hussain, Z., Khan, A., Qureshi, M. A., Bansal, R., & Pruthi, N. (2025). The impact of online reviews on sustainable product adoption in the food industry: A serial mediation effect of consumer trust and perceived value. Journal of Promotion Management, 31(6), 933-955. doi:https://doi.org/10.1080/10496491.2025.2530056
  19. Indonesia, B. (2009). Peraturan Bank Indonesia Nomor 11/15/PBI/2009 Tentang Perubahan Kegiatan Usaha Bank Konvensional Menjadi Bank Syariah. Jakarta.
  20. Kexin, Z., & Teo, P.-C. (2023). The adoption of Stimulus-Organism-Response (SOR) model in the social commerce literature. International Journal of Academic Research in Business and Social Sciences, 13(7), 1879-1886. doi:https://doi.org/10.6007/IJARBSS/v13-i7/17290
  21. Kim, M. J., Lee, C.-K., & Jung, T. (2020). Exploring consumer behavior in virtual reality tourism using an extended stimulus-organism-response model. Journal of travel research, 59(1), 69-89. doi:https://doi.org/10.1177/0047287518818915
  22. Koohang, A., Paliszkiewicz, J., & Goluchowski, J. (2017). The impact of leadership on trust, knowledge management, and organizational performance: A research model. Industrial Management & Data Systems, 117(3), 521-537. doi:https://doi.org/10.1108/IMDS-02-2016-0072
  23. Lee, C. (2021). Factors influencing the credibility of performance measurement in nonprofits. International Review of public Administration, 26(2), 156-174. doi:https://doi.org/10.1080/12294659.2021.1884342
  24. Lee, L. H., & Abdullah, Z. (2024). Antecedents of internal reputation and its consequences on organizational outcomes: a systematic review. International Journal of Organization Theory & Behavior, 27(1), 55-79. doi:https://doi.org/10.1108/IJOTB-10-2022-0193
  25. Mahfud, M., & Hermawati, W. (2025). Management economics and strategic decision making in the digital age. Annals of Human Resource Management Research, 5(4), 187-198.
  26. Manzoor, U., Baig, S. A., Hashim, M., & Sami, A. (2020). Impact of social media marketing on consumer’s purchase intentions: the mediating role of customer trust. International Journal of Entrepreneurial Research, 3(2), 41-48. doi:https://doi.org/10.31580/ijer.v3i2.1386
  27. Marjono, A. K., & Chalid, D. A. (2024). The Impact Of Size And Other Income On Systemic Risk In Indonesia. Jurnal Manajemen, 28(2), 435-453. doi:https://doi.org/10.24912/jm.v28i2.2007
  28. Miao, M., Jalees, T., Zaman, S. I., Khan, S., Hanif, N.-u.-A., & Javed, M. K. (2022). The influence of e-customer satisfaction, e-trust and perceived value on consumer's repurchase intention in B2C e-commerce segment. Asia Pacific Journal of Marketing and Logistics, 34(10), 2184-2206. doi:https://doi.org/10.1108/APJML-03-2021-0221
  29. Michler, O., Decker, R., & Stummer, C. (2020). To trust or not to trust smart consumer products: a literature review of trust-building factors. Management Review Quarterly, 70(3), 391-420. doi:https://doi.org/10.1007/s11301-019-00171-8
  30. Mukti, B. H. (2025). Methods in health research: Probability and non-probability sampling. Health Sciences International Journal, 3(2), 220-234. doi:https://doi.org/10.71357/hsij.v3i2.64
  31. Mulyani, S., Diana, I. N., & Yuliana, I. (2025). Determinants of sharia bank customer loyalty in Abu Zahrah's Maqashid Syariah approach. Jurnal Ilmiah Akuntansi Kesatuan, 13(4), 791-804. doi:https://doi.org/10.37641/jiakes.v13i4.3634
  32. Mulyanti, K., Nugroho, A. S., & Darmansyah, D. (2025). A systematic literature review of online religious leaders, digital advertising, management performance, and consumer decisions in Islamic Banking. Journal of Economics and Business Letters, 5(2), 1-11. doi:https://doi.org/10.55942/jebl.v5i2.505
  33. Oktorini, R., & Barus, L. S. (2022). Integration of Public Transportation in Smart Transportation System (Smart Transportation System) in Jakarta. Konfrontasi: Jurnal Kultural, Ekonomi Dan Perubahan Sosial, 9(2), 341-347. doi:https://doi.org/10.33258/konfrontasi2.v9i2.223
  34. Phong, V. T., & Anh, V. M. D. (2023). Impact of the bank’s image and reputation on customer’s loyalty through customer’s trust: A case of commercial banks in Ho Chi Minh City. Open Journal of Business and Management, 11(5), 2652-2685. doi:https://doi.org/10.4236/ojbm.2023.115145
  35. Putri, E. N. (2025). Perceived ease of use, perceived usefulness and perceived trust on behavior intention to use mobile banking. Amkop Management Accounting Review (AMAR), 5(2), 547-554. doi:https://doi.org/10.37531/amar.v5i2.2362
  36. Qi, M., Zhang, J., Shi, D., Feng, S., & Xu, J. (2025). Systemic risk contagion and bailout effects in the global financial system. International Review of Economics & Finance, 102, 104298. doi:https://doi.org/10.1016/j.iref.2025.104298
  37. Tran, K. V., & Uehara, T. (2023). The influence of key opinion leaders on consumers' purchasing intention regarding green fashion products. Frontiers in Communication, 8, 1296174. doi:https://doi.org/10.3389/fcomm.2023.1296174
  38. Tran, V. D., & Nguyen, T. D. (2022). The impact of security, individuality, reputation, and consumer attitudes on purchase intention of online shopping: The evidence in Vietnam. Cogent Psychology, 9(1), 2035530. doi:https://doi.org/10.1080/23311908.2022.2035530
  39. Ubed, R. S., & Raharjo, T. (2024). An Integration of BSC and AHP for creating VOE’s Barriers of Entry Strategy. Annals of Human Resource Management Research, 4(2), 97-109. doi:https://doi.org/10.35912/ahrmr.v4i2.1757
  40. Widodo, D. S. (2025). Analysis of management support and self-efficacy on business sustainability through employee performance in micro and small businesses in Greater Jakarta. Annals of Human Resource Management Research, 5(4), 155-170. doi:https://doi.org/10.35912/ahrmr.v5i4.3206
  41. Wijaya, I. F., Moro, A., & Belghitar, Y. (2023). Trust in islamic business?to?business relationships: evidence from Indonesia. British Journal of Management, 34(1), 111-128. doi:https://doi.org/10.1111/1467-8551.12584
  42. Wu, Y.-L., & Li, E. Y. (2018). Marketing mix, customer value, and customer loyalty in social commerce: A stimulus-organism-response perspective. Internet research, 28(1), 74-104. doi:https://doi.org/10.1108/IntR-08-2016-0250
  43. Ying, H., Ji, H., Shi, X., & Wang, X. (2022). A trust model for consumer conversion in community-based group buying: The dual roles of group leaders. Modern Supply Chain Research and Applications, 4(2), 122-140. doi:https://doi.org/10.1108/MSCRA-01-2022-0004
  44. Yu, S., & Lee, J. (2019). The effects of consumers’ perceived values on intention to purchase upcycled products. Sustainability, 11(4), 1034. doi:https://doi.org/10.3390/su11041034