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Prof. Dr. Imtiaz Arif

Associate Dean | Director Academics
Iqra University







Research Interests

  • Finance & Economics
  • Information Systems and Banking Reforms


Professor Dr. Imtiaz Arif has been associated with Iqra University since January 2000. He is a Career-Educationist and has extensive experience in developing and conducting Business, Management, and Computer education programs. It is his diverse & rich background in IT, Finance & Management that has enabled him to play a leading role in taking Iqra University to new heights.

He has been instrumental in equipping Iqra University with state-of-the-art teaching facilities and also engaging learned faculty members. In addition to his teaching assignments, he is serving at IU as an Associate Dean and Director of Academics. His research topic for his Ph.D. was ” Linkages between Terrorism and Stock Market Movement”. His other areas of interest are “Information Systems and Banking Reforms”. He has published several research papers in the blind peer-reviewed journal and is a founding editor of the Journal of Management Sciences published by IQRA University. ( JMS)


  • Referred Journal Publication :

    • Aslam, W., Arif, I. and Farhat, K., (2024), The journey of service quality to loyalty: a gender-based multigroup analysis in car-hailing service, International Journal of Business Environment, [ISI Indexed, Impact factor 1.3]
    • Waki, M., Arif, I. and Khan, L. (2024), Usage of Credit Cards: Debt-Trap or Convenience? Role of Religiosity”, Journal of Finance & Economics Research,9(1), 1-15,
    • Arif, I. and Khan, L., (2024), Does Time Matter? Impact of Financial Decion-Making Abilities on Financial Choices Mediated by Time Perspective”, Serbian Journal of Management
    • Alvi, J., and Arif, I.(2024), Default prediction modeling (DPM) with machine learning algorithms: Case of non-financial listed companies in Pakistan” Kybernetes, [ISI Indexed, Impact factor 2.5] 10.1108/K-09-2023-1888
    • Alvi, I., and Arif, I.(2023), “Unraveling the Mystery of Default Prediction: A Study on the Textile Industry in Pakistan”, Journal of Quantitative Methods}, 7(2), 47-59,
    • Siddiqui, S., Arif, I, and Hinduja, P, (2023), Technostress: A catalyst to leave the teaching profession-A survey designed to measure technostress among teachers in Pakistan during COVID-19 pandemic, E-Learning and Digital Media, 20(1), 53-79, [ISI Indexed, Impact factor 1.9]
    • Aslam, W., Goi, C. L., and Arif, I.(2022), “Smartphone Usage of University Students and Academic Performance: An Empirical Analysis.”, Int. J. of Mobile Communications, [SSCI & SCOPUS Indexed, IMPACT FACTOR 1.328 ]
    • Jawaid, S. T.; Khan, L.; and Arif, I.(2022), “Are Remittances and Imports substitute or complement in Developing Country? A Disaggregated Evidence”, Journal of Chinese Economic and Foreign Trade Studies, 15(1), 106-123.
    • Aslam, W., Siddiqui, D. A., Arif, I. and Khan, K., (2022), Chatbots in the Frontline: Drivers of acceptance, Kyberenetes, 52(9), 3781-3810, [ISI Indexed, Impact factor 2.4]
    • Aslam, W. and Farhat, K.,Arif, I.(2021), “Technology at the Dining Table: Linking perceived value, service recovery and continuous intention to use food delivery applications”, Revista Brasileira de Gestão de Negócios, [ISI Indexed, Impact factor 0.87]
    • Aslam, W., Khan, S. M., Arif, I and Khan, K., (2021), Vlogger’s Reputation: Connecting Trust and Perceived Usefulness of Vloggers’ Recommendation with Intention to Shop Online, Journal of Creative Communications
    • Aslam, W., Arif, I., Atiq, Z., and Hussain, F.,(2021),, Connecting Mobile Application Features with Perceived Benefits in Determining Post-adoption Behaviour, FIIB Business Review,
    • Aslam, W., Farhat, K., and Arif, I.(2021),“Skippable Advertisement versus Full-length Advertisement: An Empirical Analysis in Developing Economy” Journal of Interactive Advertising, 21(1), 49-67
    • Farhat, K., Aslam, W., Arif, I., and Ahmed, Z., (2021),”Does the Dark Side of Personality Traits Explain Compulsive Smartphone Use of Higher Education Students? The Interaction Effect of Dark Side of Personality with Desirability and Feasibility of Smartphone Use”
    • Aslam, W., Farhat, K., Arif, I. and Goi, C.L.,(2021)“What matters most in achieving customer satisfaction in banking? A study from the perspective of employee characteristics”, The TQM Journal,
    • Khan, L., Arif, I., and Raza, S. A.,(2021),“Capital Flow, Capital Control, and Economic Growth: Evidence from Developed & Developing Economies”, Journal of Accounting and Finance in Emerging Economies 7 (2), 467-482 10.26710/jafee.v7i2.1787
    • Arif, I., Aslam, W. and Hwang, Y., (2020), “Barriers in Adoption of Internet Banking: A Structural Equation Modeling – Neural Network Approach”, Technology in Society, 60(2), [ISI Indexed, Impact factor 1.67]
    • Arif, I., Khan, L., and Waqar, S., (2020), “Does Corruption Sand or Grease the Wheels? A Case of BRICS Countries”, Global Business Review, [SCOPUS & ESCI Indexed] 10.1177/0972150920927370
    • KHAN, L., ARIF, I., and Waqar, S., (2020), “The Impact of Military Expenditure on External Debt: The Case of 35 Arms Importing Countries”, Defence and Peace Economics, 31(2), [ISI Indexed, Impact Factor 1.062]
    • Arif, I., Khan, L., Farooq, F., and Suleman, T., (2020), “Impact of International Trade and Trade Duties on Current Account Balance of the Balance of Payment: A study of N-11 Countries”, Journal of Accounting and Finance in Emerging Economies, 6(1), 11-32, [ HEC RECOGNIZED (Y) ]
    • Arif, I., Rawat, A. S., and Khan, L., (2020), “Does terrorism hamper FDI inflows? A pre and post 9/11 analysis”, Journal of Economic Studies, [ESCI & SCOPUS Indexed]
    • Arif, I., Rawat, A. S., and Shahbaz, M., (2020), “Impact of US Economic Policy Uncertainty on Geopolitical Risk: Evidence from BRIC Economies.”, Public Finance Quarterly, [ESCI & SCOPUS Indexed]
    • Aslam, W., Farhat, K., and Arif, I.(2020),Skippable Advertisement versus Full-length Advertisement: An Empirical Analysis in Developing Economy, Journal of Interactive Advertising, 1-45
    • ASLAM, W., Farath, K., AND Arif, I., (2020), “Regular to Sustainable Products: An Account of Environmentally Concerned Consumers in a Developing Economy”, International Journal of Green Energy, -(-), [ISI INDEXED, IMPACT FACTOR 1.39]
    • Arif, I., Raza, S. A., Ivkovi, A. F. and Suleman, T. (2019) “Role of Remittance in the Development of Higher Education in Top Remittances Receiving Countries”, Social Indicator Research, 141(3), 1233-1243. [ISI Indexed, Impact factor 1.7]
    • Arif, I., Umer A., and Kazmi, W., (2019), “Exploring the Relationship among University Teacher’s Emotional Intelligence, Emotional Labour Strategies, and Teaching Satisfaction”. Abasyn Journal of Social Sciences, 12(1), 21-37, [HEC RECOGNIZED(X)]
    • Aslam, W., Tariq, A. and Arif, I.(2019) , “The effect of ATM Service Quality on Customer Satisfaction and Customer Loyalty: An Empirical Study”, Global Business Review, 20(6)[Scopus & ABDC Indexed]
    • Aslam, W., Farhat, K., and Arif, I., (2019) , “Role of Electronic Word of Mouth on Purchase Intention”, International Journal of Business Information System, 30(4), 411-426, [SCOPUS & ABDC Indexed]
    • Arif, I., Khan, L., and Raza, S. A., (2019) “Effects of Corruption on Military Expenditures: Empirical Evidence from Different Income Level Countries”, Journal of Financial Crime, 26 (3), SCOPUS, ABDC Indexed.
    • Arif, I., Khan, L., & Iraqi, K., M., (2019)“, Relationship between Oil Price and White Precious Metals Return: New Evidence from Quantile-on-Quantile Regression”, Pakistan Journal of Commerce and Social Sciences, 13(2), 515-528 [HEC RECOGNIZED (X)]
    • Arif, I., and Khan, L., (2019), “FDI & New Business Startup Does Financial Development Matter?” South Asian Journal of Management Science, 13(1), 130-141 [HEC RECOGNIZED (X)]
    • Raza, S. A., Shah, N. & Arif, I., (2019) “Relationship between FDI and Economic Growth in the presence of Good Governance System: Evidence from OECD Countries”, Global Business Review, [Scopus & ESCI Indexed ]
    • Aslam, W., Farhat, K., Ejaz, L., and Arif, I. (2019) Adoption of Android Smartphones and Intention to pay for Mobile Internet: An Empirical Analysis of Consumers in Pakistan.” International Journal of Business Innovation and Research, [SCOPUS Indexed].
    • Arif, I., Rawat, A. S., (2019), “Trade & Financial Openness and their Impact on Financial Development: Evidence from South Asian Economies”, South Asian Journal of Business Studies, [ESCI, SCOPUS, ABDC Indexed]
    • Arif, I., Aslam, W. and Siddiqui, H., (2019), Influence of User-Generated Content on Facebook on Clothing Industry in Pakistan: A S-O-R Framework evaluation, International Journal of Electronic Business, 15(2), [SCOPUS INDEXED]
    • Aslam, W., Hussain, A., Farhat, K. and Arif, I.(2019), Underlying Factors Influencing Consumers’ Trust and Loyalty in E-commerce, Business Perspectives and Research, 1-19, [SCOPUS INDEXED].
    • Arif, I., and Khan, L., (2019), “The Role of Financial Development in Human Capital Development: Evidence from Pakistan”, 13(4), 1029 – 1040 [SCOPUS ]
    • Aslam W., Arif I. , and Farhat, K. (2018), “Smartphone Dependence among Students: Gender Based Analysis.”, International Journal of Electronic Marketing and Retailing, 9(3), 269 – 287 [SCOPUS & ABDC Indexed]
    • Arif.I, Khan, L., and Raza, S. A., (2018) “External Resources and Economic Growth: An Empirical Analysis of South Asian Countries”, Zagreb International Review of Economics & Business , 22(2), 1-17 [ESCI & SCOPUS Indexed]
    • Ahmed, W., Jawed, S. T., and Arif, I., (2018), “Where does a Nation’s Wealth go? Evidence from the Third World Country.”, Journal of Money Laundering Control, 426-476. [ESCI & SCOPUS Indexed]
    • Aslam, W., Arif, I., Farhat, K., and Khursheed, M. (2018) “The Role of Customer Trust, Service Quality and Value Dimensions in determining Satisfaction and Loyalty: An Empirical study of Mobile Telecommunication Industry in Pakistan” Market-Trziste, 30(2), 177-194 [SCOPUS, ISI (ESCI) Indexed].
    • Khalique, M., Arif, I., Siddiqui, M., and Kazmi, S., W.,(2018), Impact of Workplace Bullying on Job Performance, Intention to Leave, OCB and Stress, Pakistan Journal of Psychological Research, 33(1), 55-74 [HEC Recognized (X)]
    • Arif, I., and Rawat A., S., (2018), Corruption, Governance and Tax Revenue: Evidence from Eagle Countries, Journal of Transnational Management, 23(2), [Scopus Indexed]
    • Sohail, A., and Arif, I.,(2018),Does Geopolitical Risk Drive Equity Price Returns of BRIC Economies? Evidence from Quantile on Quantile Estimations, Journal of Finance & Economics Research, 3(2), 24-36
    • Arif, I. and Suleman, T. ,,(2017), “Terrorism and Stock Market Linkages: An Empirical Study from Front-line State.” Global Business Review, 18(2), 365-378,. [ESCI, SCOPUS and ABDC Indexed]
    • Arif, I . , Jawaid, S. and Iqbal, S., ,(2017), “Dynamics of Homicide Rates in Asian Countries: A Quantitative Study.” Abasyn Journal of Social Sciences, 10(2), 149-162, [HEC Recognized(X)]
    • Arif, I. Kazmi, W. and Khan, L.,(2017), “Relationship Between Trade Openness and Energy Consumption in Oil Importing Asian Countries”Journal of Finance and Economics Research, 2(1), 1-20,
    • Arif, I., Khan, L., Raza, S. A., and Maqbool, F., (2017), “External resources and economic growth: New evidence from EAGLE countries using PMG framework”, Journal of Transnational Management , 22(4), 273-282 [Scopus Indexed]
    • Arif, I.(2017) “Terrorism and Stock Market Nexus: New Evidence from Wavelet Analysis”. South Asian Journal of Management Sciences, 11(2), 95-108 [HEC Recognized(X) ].
    • Arif, I., Iqbal, A., Ali, S. F. and Sohail, A., (2017), “International Stock Market Diversification among BRICS-P: A Cointegration Analysis”, Journal of Management Sciences, 4(2), 269-285,. [HEC Recognized(Y)]
    • Arif, I., Khan, L., Hussain, F., (2017) “Impact of Semi-Autonomous Revenue Authority on Tax Revenue and Buoyancy: Evidence from Pakistan”, Journal of Finance & Economics Research, 2(2), 165-175
    • Arif, I., Aslam, W. and Ali, M. (2016) “Students’ dependence on smart phone and its effect on purchase behavior.” South Asian Journal of Global Business Review, 5(2), 285-302 [ISI (ESCI) Indexed & ABDC Indexed]
    • Shaikh, A., Sharif, S., and Arif, I. (2016) “Comparison of Islamic Banks with Conventional Banks: Evidence from an Emerging Market” (2016) Journal of Management Sciences, 3(1) 24-33, [ISI (ESCI) Indexed, HEC Recognized(Y)]
    • Arif, I., Afshan, S. and Sharif, A. (2016) “Resistance to Adopt Mobile Banking in a Developing Country: Evidence from Modified TAM.” Journal of Finance and Economics Reseaarch, 1(1),25-42.
    • Raza, S. A., Jawaid, T., Arif, I. and Qazi, F., (2011) “Validity of capital asset pricing model: evidence from Karachi stock exchange.” African Journal of Business Management, 5(32):12598–12605.
    • Arif, I. and Jawaid, S. T. (2011). “Effect of Mutual Fund Managers’ Human Capital on their Portfolio Performance and Risk” Global Management Journal for Academic & Corporate Studies, 1(1) 45–58. [HEC Recognized(Y)]
    • Jawaid, S. T.,Arif, I. and Naeemullah, S. (2010). “Comparative Analysis of Monetary and Fiscal Policy: A Case Study of Pakistan.” NICE Research Journal, 2(1):65–79. [HEC Recognized(Z)]
    • Qadri, F. S., Jawaid, S. Arif, I. and Majeed, S. (2009). “Human Capital and Economic Growth: The quest for the most relevant level of education in Pakistan.” NICE Research Journal, 1(1), 35-50. [HEC Recognized(Z)]

    Submitted Journal Publications :

    • Arif, I., Terrorism and Stock Returns: A Further Investigation Using Quantile-on-Quantile Approach.
    • Khan, L., Arif, I., & Raza, S. A. “Capital Flow, Capital Control and Economic Growth.” (Submitted for review & Publication)
    • Aslam, W., Jan, T., Farahat, K, and Arif, I., Does communication medium enhance consumer – based brand equity? An empirical analysis, (Submitted for review and Publication)