Muhammad Abdus Salam, known professionally as “Salam Shadhin,” is an award-winning academic and researcher. He is an Assistant Professor of Management Information Systems (MIS) at Noakhali Science and Technology University (NSTU). His research interests encompass topics related to Human-AI Interaction, AI Commercialization, Digital Engagement, AI-Business Applications, and FinTech. His research advances understanding of artificial intelligence and emerging technologies from commercial, social, and ethical perspectives, emphasizing real-world industry needs, responsible governance, digital literacy, community engagement, and sustainable innovation. His work highlights how the strategic design and deployment of AI and emerging technologies can enhance human–technology interaction, foster consumer trust, and generate transformative value across markets and society.
EDUCATION
He was awarded the “Best Paper Award” at the 4th International Conference on Business, Economics, and Finance (ICBEF 2023) held at Universiti Brunei Darussalam, “Best Extended Abstract Award” at the 9th World Business Ethics Forum (WBEF 2025) hosted by City University of Macau, as well as the “PhD Colloquium Award 2025,” organized by the UBD School of Business and Economics (UBDSBE). He is currently pursuing a PhD at the UBDSBE, Universiti Brunei Darussalam (UBD). He has published widely in scholarly journals and proceedings and coauthored several books through broad international research collaborations. Additionally, he provides expert commentary on technology and development in interviews with television channels and newspapers, and authors articles for both newspapers and scholarly periodicals. He has held the role of Tutor for multiple academic modules at the UBDSBE. He completed his BBA and MBA from the University of Dhaka.
RESEARCH, TEACHING, or OTHER INTERESTS
Human-Computer Interaction, Management of Technology and Innovation, Artificial Intelligence, Marketing
9
Scopus Publications
180
Scholar Citations
7
Scholar h-index
5
Scholar i10-index
Scopus Publications
Unraveling the dynamics of mobile wallets in promoting cashless tourism in Bangladesh: implementation of UTAUT2 model S.M. Nafiz Rayun, Muhammad Abdus Salam, Waziha Islam, Egi Arvian Firmansyah, Kassim Kalinaki Journal of Hospitality and Tourism Technology, 2025 Purpose This study aims to fill the research gap in the literature by focusing on the factors influencing the adoption of mobile wallets (m-wallets) for cashless transactions in the tourism sector. The tourism industry is striving to transition toward a more stable economy by promoting the adoption of m-wallets and establishing guidelines for the optimal use of digital payment systems. Design/methodology/approach A modified version of the unified theory of acceptance and use of technology 2 model has been used for this study. Convenience sampling was adopted to collect 647 responses through online surveys via e-mail and social media platforms. Among these, 489 responses were deemed suitable for analysis. The analysis used Smart PLS 3.2.9 and SPSS 27 to create a structural equation model. Findings The results demonstrate that the tourists’ behavioral intention to adopt m-wallets is highly influenced by performance expectancy and effort expectancy. The research findings contribute to the literature on mobile payments, cashless tourism and technology adoption in the tourism industry. Originality/value The study’s findings improve tourism sustainability, tourist satisfaction and cashless sustainable tourism approaches. In addition, they provide recommendations for cashless tourism promotion strategies to key stakeholders, including policymakers, m-wallet providers and tourism businesses.
Green FinTech Innovations: Empowering Inclusive Development and Advancing Towards the Sustainable Economy S. M. Nafiz Rayun, Muhammad Abdus Salam, Waziha Islam, Vai Shiem Leong Promoting Inclusivity and Accessibility with Fintech, 2025 Green FinTech is the intersection of financial innovation and environmental sustainability, helping solve two of the most important challenges of our time: climate change and economic inequality. Using blockchain, AI, IoT, and mobile platform, it facilitates green investments, carbon credit trading and widely access to green finance. Green FinTech enables marginalised communities via microloans, pay-as-you-go solar systems and decentralized energy markets, perfectly aligning with UN SDGs (7, 9, 10, 13). It pays off globally too as seen in the case studies from Kenya (M-Pesa green bonds) to Bangladesh (IDCOL solar programs) and Brazil (Pix carbon trading). Yet, regulatory gaps, risk of greenwashing and the digital divide pose challenges to its scalability. The chapter suggests aligned ESG standards, PSPs, and energy-efficient technologies to help address the problem. Green FinTech provides a roadmap to equitable climate resilience and economic growth by connecting technology and policy with inclusion in the finance.
The Transformative Prospects of AI-Powered Virtual Influencers in Digital Consumer Engagement and Marketing Strategies Muhammad Abdus Salam, Vai Shiem Leong, Nazlida Muhamad Cases on Social Media Marketing Engagement Tactics, 2025 The rise of artificial intelligence-facilitated technologies in the business ecosystems is driving the dynamic adoption of technology to retain the digital consumers. Marketing practices have been greatly influenced by these advanced technologies. However, more recently, the emergence of AI-powered virtual influencers (VIs) is transforming the marketing and consumer engagement prospects, blurring the lines between reality and digital creation. AI-powered VIs are not just a trend; they represent a transformational shift in how brands can interact, communicate, and engage digital consumers. Their importance lies in their flexibility, consistency, cost-efficiency, and deeper integration with the emerging tech ecosystems. Therefore, outlining the differences between virtual influencers and traditional social media influencers, this study demonstrates how the AI-powered VIs are influencing the conventional marketing practices, offering an innovative approach for consumer engagement, brand communications, endorsements, and promotions.
High-performance work systems, organizational identification, trust in leader, perceived organizational support and healthcare professionals' turnover intention Ismaheel Adewumi Raji, Abdussalaam Iyanda Ismail, Muhammad Abdus Salam Journal of Health Organization and Management, 2025 Purpose Drawing on social exchange theory (SET) and social identity theory (SIT), this study investigates how the high-performance work systems (HPWS)–turnover intention () link is mediated by organizational identification (OID) and moderated by trust in leader (TIL) and perceived organizational support (POS). Design/methodology/approach A two-wave time-lagged survey research was conducted on healthcare professionals in Nigeria, comprising medical doctors, nurses and midwives, and 387 valid responses were received. Findings The results indicated that HPWS significantly and negatively predicted TI and significantly and positively predicted OID. In turn, OID significantly and negatively predicted TI. OID partially mediated the relationship between HPWS and TI. While the moderating effect of TIL on the relationship between HPWS and OID was not significant, POS was found to significantly strengthen the negative relationship between OID and TI. Originality/value Despite a considerable body of research on the outcomes of HPWS, its underlying mechanisms and boundary conditions remain elusive. This study therefore offers valuable theoretical contributions to advancing the literature on how and when HPWS influence employee outcomes.
Consumer engagement: Exploring deepfake applications in consumer marketing communication Muhammad Abdus Salam, S. M. Nafiz Rayun, Waziha Islam, Robiul Hasan, Egi Arvian Firmansyah, et al. Navigating the World of Deepfake Technology, 2024 Artificial intelligence's rapid advancements are transforming marketing and consumer communication, like shifting from traditional influencers to AI-powered virtual influencers. Despite concerns about cyber-harassment and fraud, optimism prevails as netizens adopt technology. However, this technological advancement has opened numerous opportunities for marketers and practitioners to utilize it optimistically and within legal boundaries. So, it is crucial to synthesize the insights on how deepfake technologies can revolutionize marketing, particularly in enhancing consumer engagement, brand communication, and interaction strategies. Therefore, this chapter provides a comprehensive overview of the potential use of deepfake technologies in consumer marketing, emphasizing the ethical considerations that must be addressed, including transparency, consumer perceptions, and legal frameworks. The Nobel insights in this chapter will facilitate consumers, marketers, practitioners, researchers, and stakeholders, guiding them towards future directions.
Transitioning Entrepreneurship to Green: Leveraging Digital Consumer Engagement Toward Sustainable Marketing Prospects MA Salam, VS Leong, N Muhamad Green Entrepreneurship, Value Exchange and Sustainable Supply Chain Management , 2026 2026
The Transformative Prospects of AI-Powered Virtual Influencers in Digital Consumer Engagement and Marketing Strategies MA Salam, VS Leong, N Muhamad Cases on Social Media Marketing Engagement Tactics, 10.4018/979-8-3373-2357 … , 2026 2026
Green FinTech Innovations: Empowering Inclusive Development and Advancing Towards the Sustainable Economy SMN Rayun, MA Salam, W Islam, VS Leong Promoting Inclusivity and Accessibility With FinTech, 245-278 , 2026 2026 Citations: 3
Unraveling the dynamics of mobile wallets in promoting cashless tourism in Bangladesh: implementation of UTAUT2 model SMN Rayun, MA Salam, W Islam, EA Firmansyah, K Kalinaki Journal of Hospitality and Tourism Technology 16 (5), 1046-1065 , 2025 2025 Citations: 6
High-performance work systems, organizational identification, trust in leader, perceived organizational support and healthcare professionals' turnover intention IA Raji, AI Ismail, MA Salam Journal of Health Organization and Management , 2025 2025 Citations: 3
QR Determinants of Tourists' Adoption of QR Code Payment Systems in Bangladesh: Extending the UTAUT2 Framework SMN Rayun, MA Salam, SA Chowdhury, W Islam, TR Majumder, YA Apu, ... Journal of Business and Economic Analysis 7 (2), 76-105 , 2025 2025
Evaluating 4G Network Reach and Fiber Node Proximity Across Uganda’s Sub-Regions M Nabukeera, K Kalinaki, M Matovu, MA Salam International Conference on Machine Intelligence and Emerging Technologies … , 2024 2024
Examining the relationship between poverty and juvenile delinquency trends in a developing country MRI Bhuiyan, MNU Milon, R Hossain, TA Poli, MA Salam Academic Journal of Interdisciplinary Studies 13 (6), 255-274 , 2024 2024 Citations: 26
Association between the salinity level with miscarriage and unintended pregnancy in Bangladesh: Impact of salinity level on miscarriage and unintended pregnancy in Bangladesh S Hossain, MA Hasan, MO Faruk, MA Salam Heliyon 10 (1) , 2024 2024 Citations: 5
Consumer engagement: exploring deepfake applications in consumer marketing communication MA Salam, SMN Rayun, W Islam, R Hasan, EA Firmansyah, K Kalinaki Navigating the World of Deepfake Technology, 397-421 , 2024 2024 Citations: 7
Examining critical factors influencing generation z’s acceptance of mobile payment systems in bangladesh: A UTAUT model analysis MA SALAM, SMN RAYUN, VAIS LEONG Journal of Business and Economic Analysis 6 (03), 371-400 , 2023 2023 Citations: 11
Towards an AutoML-based data analytical framework for predicting bankruptcy in industrial sector M Shahriare Satu, T Yeasmin, M Abdus Salam International Conference on Trends in Electronics and Health Informatics … , 2023 2023 Citations: 4
What Drives Rahn Adoption? EA Firmansyah, A Pratama, MA Salam Jurnal Manajemen Teori dan Terapan 16 (3) , 2023 2023 Citations: 5
The Impact of COVID-19 (Coronavirus) on Consumers’ Behavior towards E-commerce MT Rahman, MA Salam Canadian Journal of Business and Information Studies 5 (4), 81-91 , 2023 2023 Citations: 7
Block-chain aided cluster based logistic network for food supply chain RU Azad, K Ahammed, MA Salam, MIA Efat International Conference on Machine Intelligence and Emerging Technologies … , 2022 2022 Citations: 9
Reflection of Customers’ Preference for Offline Shopping amid COVID-19: A Post Vaccination Analysis in Bangladesh MA Salam, SM Nabila, T Dey, F Chowdhury International Business Research 15 (6), 39 , 2022 2022 Citations: 7
Challenges to mobile banking adaptation in COVID-19 pandemic MA Salam, T Saha, MH Rahman, P Mutsuddi Journal of Business and Management Sciences 9 (3), 101-113 , 2021 2021 Citations: 45
Evaluation and analysis of user satisfaction of ride-sharing service: an assurance and empathy in Bangladesh perspective T Dey, MA Salam, T Saha Canadian Journal of Business and Information Studies 3 (2), 22-28 , 2021 2021 Citations: 17
Potentiality of islands based tourism in Bangladesh: a qualitative view from existing literature SK Roy, MA Salam, SMN Islam, M Al-Amin International Business Research 13 (11), 106 , 2020 2020 Citations: 8
Relationship between service quality and user satisfaction: An analysis of ride-sharing services in Bangladesh based on SERVQUAL dimensions T Dey, T Saha, MA Salam, SK Roy Journal of Noakhali Science and Technology University (JNSTU) 3 (1), 37-47 , 2019 2019 Citations: 17
MOST CITED SCHOLAR PUBLICATIONS
Challenges to mobile banking adaptation in COVID-19 pandemic MA Salam, T Saha, MH Rahman, P Mutsuddi Journal of Business and Management Sciences 9 (3), 101-113 , 2021 2021 Citations: 45
Examining the relationship between poverty and juvenile delinquency trends in a developing country MRI Bhuiyan, MNU Milon, R Hossain, TA Poli, MA Salam Academic Journal of Interdisciplinary Studies 13 (6), 255-274 , 2024 2024 Citations: 26
Evaluation and analysis of user satisfaction of ride-sharing service: an assurance and empathy in Bangladesh perspective T Dey, MA Salam, T Saha Canadian Journal of Business and Information Studies 3 (2), 22-28 , 2021 2021 Citations: 17
Relationship between service quality and user satisfaction: An analysis of ride-sharing services in Bangladesh based on SERVQUAL dimensions T Dey, T Saha, MA Salam, SK Roy Journal of Noakhali Science and Technology University (JNSTU) 3 (1), 37-47 , 2019 2019 Citations: 17
Examining critical factors influencing generation z’s acceptance of mobile payment systems in bangladesh: A UTAUT model analysis MA SALAM, SMN RAYUN, VAIS LEONG Journal of Business and Economic Analysis 6 (03), 371-400 , 2023 2023 Citations: 11
Block-chain aided cluster based logistic network for food supply chain RU Azad, K Ahammed, MA Salam, MIA Efat International Conference on Machine Intelligence and Emerging Technologies … , 2022 2022 Citations: 9
Potentiality of islands based tourism in Bangladesh: a qualitative view from existing literature SK Roy, MA Salam, SMN Islam, M Al-Amin International Business Research 13 (11), 106 , 2020 2020 Citations: 8
Consumer engagement: exploring deepfake applications in consumer marketing communication MA Salam, SMN Rayun, W Islam, R Hasan, EA Firmansyah, K Kalinaki Navigating the World of Deepfake Technology, 397-421 , 2024 2024 Citations: 7
The Impact of COVID-19 (Coronavirus) on Consumers’ Behavior towards E-commerce MT Rahman, MA Salam Canadian Journal of Business and Information Studies 5 (4), 81-91 , 2023 2023 Citations: 7
Reflection of Customers’ Preference for Offline Shopping amid COVID-19: A Post Vaccination Analysis in Bangladesh MA Salam, SM Nabila, T Dey, F Chowdhury International Business Research 15 (6), 39 , 2022 2022 Citations: 7
Unraveling the dynamics of mobile wallets in promoting cashless tourism in Bangladesh: implementation of UTAUT2 model SMN Rayun, MA Salam, W Islam, EA Firmansyah, K Kalinaki Journal of Hospitality and Tourism Technology 16 (5), 1046-1065 , 2025 2025 Citations: 6
Association between the salinity level with miscarriage and unintended pregnancy in Bangladesh: Impact of salinity level on miscarriage and unintended pregnancy in Bangladesh S Hossain, MA Hasan, MO Faruk, MA Salam Heliyon 10 (1) , 2024 2024 Citations: 5
What Drives Rahn Adoption? EA Firmansyah, A Pratama, MA Salam Jurnal Manajemen Teori dan Terapan 16 (3) , 2023 2023 Citations: 5
Towards an AutoML-based data analytical framework for predicting bankruptcy in industrial sector M Shahriare Satu, T Yeasmin, M Abdus Salam International Conference on Trends in Electronics and Health Informatics … , 2023 2023 Citations: 4
Green FinTech Innovations: Empowering Inclusive Development and Advancing Towards the Sustainable Economy SMN Rayun, MA Salam, W Islam, VS Leong Promoting Inclusivity and Accessibility With FinTech, 245-278 , 2026 2026 Citations: 3
High-performance work systems, organizational identification, trust in leader, perceived organizational support and healthcare professionals' turnover intention IA Raji, AI Ismail, MA Salam Journal of Health Organization and Management , 2025 2025 Citations: 3
Transitioning Entrepreneurship to Green: Leveraging Digital Consumer Engagement Toward Sustainable Marketing Prospects MA Salam, VS Leong, N Muhamad Green Entrepreneurship, Value Exchange and Sustainable Supply Chain Management , 2026 2026
The Transformative Prospects of AI-Powered Virtual Influencers in Digital Consumer Engagement and Marketing Strategies MA Salam, VS Leong, N Muhamad Cases on Social Media Marketing Engagement Tactics, 10.4018/979-8-3373-2357 … , 2026 2026
QR Determinants of Tourists' Adoption of QR Code Payment Systems in Bangladesh: Extending the UTAUT2 Framework SMN Rayun, MA Salam, SA Chowdhury, W Islam, TR Majumder, YA Apu, ... Journal of Business and Economic Analysis 7 (2), 76-105 , 2025 2025
Evaluating 4G Network Reach and Fiber Node Proximity Across Uganda’s Sub-Regions M Nabukeera, K Kalinaki, M Matovu, MA Salam International Conference on Machine Intelligence and Emerging Technologies … , 2024 2024
Industry, Institute, or Organisation Collaboration
PhD Researcher
School of Business and Economics (UBDSBE),
Universiti Brunei Darussalam (UBD), Brunei Darussalam