{"status":"ok","message-type":"work","message-version":"1.0.0","message":{"indexed":{"date-parts":[[2026,2,8]],"date-time":"2026-02-08T04:56:09Z","timestamp":1770526569884,"version":"3.49.0"},"reference-count":71,"publisher":"Emerald","issue":"6","content-domain":{"domain":[],"crossmark-restriction":false},"short-container-title":[],"published-print":{"date-parts":[[2021,10,12]]},"abstract":"<jats:sec>\n                  <jats:title>Purpose<\/jats:title>\n                  <jats:p>The basic intention of this research is to investigate the role of information transparency of financial institutions and psychological attitude of the individuals toward their attention to saving and borrowing. This study also tries to know how an individual's psychological factor affects a person's attitude to motivate them to save or borrow and contribute to well-being by giving them confidence that they can face financial challenges. So, the main concern of this study is to explore different factors that ultimately contribute to the financial well-being (FWB) of individual.<\/jats:p>\n               <\/jats:sec>\n               <jats:sec>\n                  <jats:title>Design\/methodology\/approach<\/jats:title>\n                  <jats:p>A survey was conducted by using a well-structured questionnaire to collect data and test the developed hypotheses by using SmartPLS. Data were collected from 120 customers of seven different commercial banks in Pakistan.<\/jats:p>\n               <\/jats:sec>\n               <jats:sec>\n                  <jats:title>Findings<\/jats:title>\n                  <jats:p>The findings of this study show that perceived information transparency positively affects FWB. It is also because transparent shared information creates positive change in individuals' perceived self-efficacy and leads to FWB. Furthermore, an individual's psychological attitude toward borrowing and saving did not contribute to the FWB of people who belong to Pakistan.<\/jats:p>\n               <\/jats:sec>\n               <jats:sec>\n                  <jats:title>Research limitations\/implications<\/jats:title>\n                  <jats:p>The research area is limited to one city of Pakistan and analysis is done with small numbers of sample, it can be increased and more areas can be explored.<\/jats:p>\n               <\/jats:sec>\n               <jats:sec>\n                  <jats:title>Practical implications<\/jats:title>\n                  <jats:p>This research provides significant implications for people and economists by providing awareness about the antecedents of FWB. The policymakers or managers who work in financial institutions should provide more transparent information and create less risky opportunities to improve the individual's well-being. If person, manager and financial institution can properly utilize the information of this study, then they are able to improve their FWB. By providing more transparent services and favorable experience with your dealings, it could help to obtain and retain more loyal internal (employees) and external customers. The loyal customers and sincere employees can increase the productivity level of organization. The more productive organizations in countries means better society and progress in the economy.<\/jats:p>\n               <\/jats:sec>\n               <jats:sec>\n                  <jats:title>Originality\/value<\/jats:title>\n                  <jats:p>This research contributes to the body of knowledge that how perceived information transparency and psychological attitude of borrowing create improvement and upward changes in the FWB of a person.<\/jats:p>\n               <\/jats:sec>","DOI":"10.1108\/bpmj-12-2020-0530","type":"journal-article","created":{"date-parts":[[2021,3,24]],"date-time":"2021-03-24T02:10:29Z","timestamp":1616551829000},"page":"1836-1853","source":"Crossref","is-referenced-by-count":24,"title":["RETRACTED: How perceived information transparency and psychological attitude impact on the financial well-being: mediating role of financial self-efficacy"],"prefix":"10.1108","volume":"27","author":[{"ORCID":"https:\/\/orcid.org\/0000-0003-3770-5883","authenticated-orcid":false,"given":"Muhammad","family":"Zia-ur-Rehman","sequence":"first","affiliation":[{"name":"National Textile University Faisalabad Business School, , Faisalabad,","place":["Pakistan"]}]},{"ORCID":"https:\/\/orcid.org\/0000-0001-5595-6171","authenticated-orcid":false,"given":"Khalid","family":"Latif","sequence":"additional","affiliation":[{"name":"Government College University Faisalabad College of Commerce, , Faisalabad,","place":["Pakistan"]}]},{"ORCID":"https:\/\/orcid.org\/0000-0003-2867-6910","authenticated-orcid":false,"given":"Muhammad","family":"Mohsin","sequence":"additional","affiliation":[{"name":"Hunan University of Humanities, Science and Technology School of Business, , Loudi,","place":["China"]}]},{"given":"Zahid","family":"Hussain","sequence":"additional","affiliation":[{"name":"Universiti Teknologi Malaysia , Skudai,","place":["Malaysia"]}]},{"given":"Sajjad Ahmad","family":"Baig","sequence":"additional","affiliation":[{"name":"National Textile University Faisalabad Business School, , Faisalabad,","place":["Pakistan"]}]},{"given":"Izma","family":"Imtiaz","sequence":"additional","affiliation":[{"name":"National Textile University Faisalabad Business School, , Faisalabad,","place":["Pakistan"]}]}],"member":"140","published-online":{"date-parts":[[2021,3,23]]},"reference":[{"issue":"1","key":"2025091112275818100_ref001","doi-asserted-by":"crossref","first-page":"61","DOI":"10.22259\/2642-9144.0101006","article-title":"What determines customers' choice of a bank? 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