Engaging customer is the burning issue for companies especially the service sector, either online or offline. Minimizing the customer disengagement is the same like reducing dissatisfaction or churn. Customer disengagement may be caused by many factors, ad skepticism is one of them; ad skepticism has two main antecedents personality variable and consumption/influencing varia-bles. This research explores the relationship of ad skepticism with customer disengagement through personality variables which are cynicism, reactance and self-esteem. The unit of analysis is the telecom and banking industry of Pakistan which is foreseeing an era of virtual currency and both are customer oriented industries. Only offline disengagement is researched and data is collected from the Business centers of telecom and banking branches dealing with virtual curren-cy in Pakistan. Hypothetical model is given after digging the relevant literature; model is tested through confirmatory factor analysis and structural equation modeling. Eight hypotheses were purposed from the connections of model, all hypotheses are accepted except the cynicism posi-tive effect on social ad skepticism. This can be due to commonality of social and charity in Paki-stani society, Muslims consider charity as a pious act and they do not think for cynic behavior in charity or social related works. The results manifest that customers in telecom industry are hav-ing ad skepticism and that is becoming the cause of their disengagement. Further, social ad skep-ticism has more impact on the customer disengagement than the general ad skepticism. While the reactance has more effect on general ad skepticism than other antecedents and cynicism has the lowest impact on social ad skepticism than other antecedents.

Mobile computing represents a need of this decade. Mobile computing is possible with a tablet device, for which there is no clear-cut definition. It is partly because mobile computation field is still an emerging field. Tablet industry is still in its infancy stage and therefore, standards have yet to be defined. Given the limitations, however, a tablet device can be defined as a computing device smaller and slower than a laptop, however larger, and faster than a palm type device. In this research work, factors affecting adoption behavior for tablet device among computer users have been studied. An integral part of the study was to compare effect of the income level on adoption behavior. In this regard, two samples of private and public university students were studied. A modified technology acceptance model (TAM) has been used. Two variables were added to TAM model based on Pakistan’s demographics. A questionnaire was used to collect data. 1000 questionnaires were distributed from which we received 972; twenty two questionnaires were having major missing values so they were separated from analysis. Twenty five respondents were found outliers during data screening; by this sample used in this study is 925. Results were analyzed using linear regression which showed only perceived ease of use and perceived usefulness affected attitude to adopt tablet device. These results were found to be consistent for both private and public universities. Facilitation conditions and price perception play an insignificant role. The results confirmed perceived usefulness and ease of use are the only important factors affecting adoption behavior for tablet device.