This study aimed to determine the impact of financial literacy on financial behaviour among teachers of secondary school. Financial behaviour in this study was explored as saving behaviour, shopping behaviour, short-term planning and long-term planning. Data were collected at the Greater Jakarta, Indonesia, involving 142 participants who were approached conveniently. Data were analysed using the reflective measurement model in Partial Least Square-Structural Equation Modelling. As a result, financial literacy had a significant impact on financial behaviour in terms of saving behaviour, shopping behaviour, short-term planning and long-term planning.

This paper aims to investigate shoppers’ motivations for visiting the mall in respect of their demographic characteristics. The study was Cross-sectional and adopted the quantitative method. Structure questionnaire was used to collect data through a mall intercept approach. Factor analysis was conducted to determine the mall visitation motivations of shoppers and Chi-square test and regression analysis used to help answer the research questions. The paper found eight (8) key mall visitation motivations attract Ghanaian shoppers. Escapism influences the shoppers most, followed by pleasure flow, safety, aesthetic and architectural leisure, respectively. The least motivational factor is exploration. The result suggests that shoppers in Ghana are most likely to see the mall as an escape route from their daily hectic conditions and a place for relaxation.

Retail atmospherics have been well studied to have both functional and emotional impact on the behavioural intent of shoppers. The usage of well-orchestrated retail servicescape with its expanding canvas, both inside and outside the retail premise, has been targeted to induce subliminal perception of comfort and convenience in the mind of shoppers. Modern retail practice has incorporated customer relationship management (CRM), a pivotal business analytical process, to strengthen their interaction with shoppers. This paper attempts to gather empirical evidence on the possible mediating effects of CRM dimensional performance on the emotional orientation of shoppers, apprehended to be antecedent to favourable shopping behaviour. Appropriate statistical applications, following adequate literature survey, were deployed to test the hypotheses and the robustness of the default model. The results were indicative of strong moderating impact of CRM dimensional performance in augmenting emotional behaviour of customers to induce a fovourable behavioural intent. The default model also holds good confirming the causal convergence of constructs.