| The effects of social influence and financial literacy on savings behavior: A study on students of higher learning institutions in Kota Kinabalu, Sabah AAA Jamal, WK Ramlan, MA Karim, Z Osman International Journal of Business and Social Science 6 (11), 110-119, 2015 | 188 | 2015 |
| In pursuit of financial well-being: the effects of financial literacy, financial behaviour and financial stress on employees in Labuan Z Osman, EM Madzlan International Journal of Service Management and Sustainability (IJSMS) 3 (1 …, 2018 | 59 | 2018 |
| Effective Teaching Methods and Lecturer Characteristics: A Study on Accounting Students at Universiti Malaysia Sabah (UMS) R Mohidin, J Jaidi, L Thien Sang, Z Osman European Journal of Social Sciences 8 (1), 21-29, 2009 | 54 | 2009 |
| Determinants of savings behavior among university students in Sabah, Malaysia AAA Jamal, WK Ramlan, R Mohidin, Z Osman International Journal of Accounting, Finance and Business 1 (1), 24-37, 2016 | 44 | 2016 |
| Quality services: policies and practices in Malaysia Z Osman, CA Goon, W Hajrah Wan Aris Library management 19 (7), 426-433, 1998 | 42 | 1998 |
| The impacts of future orientation and financial literacy on personal financial management practices among generation Y in Malaysia: The moderating role of gender R Ansar, MRA Karim, Z Osman, MS Fahmi Asian Journal of Economics, Business and Accounting 12 (1), 1-10, 2019 | 27 | 2019 |
| Purchase Behaviour in Advergame and the Effect of Brand Attitude as a Mediator AA Azaze-Azizi, K Hyung-Jun, AM Mohd Rizwan, O Zaiton, AR Izyanti, ... Asian Social Science 11 (5), 249-257, 2015 | 20 | 2015 |
| Mediation Role of Attitude towards Product Placement in Social Media PI Azaze-Azizi, Abdul Adis, Grace, O Zaiton, AR Izyanti, XP Yi, ... Jurnal of Sustainable Development 8 (3), 2015 | 17 | 2015 |
| Korean wave and Malaysian young adults: Attitudes, intention and behaviour GP Ing, Z Osman Malaysian Journal of Business and Economics (MJBE) 5 (1), 77-77, 2018 | 15 | 2018 |
| Antecedents to consumer intention to buy luxury brands GI Phang, AA Adis, Z Osman Malaysian Journal of Business and Economics (MJBE) 3 (1), 2016 | 14 | 2016 |
| The Determinants Of Corporate Hedging LT Sang, Z Karamah, Z Osman Journal Of Asian Academy of Applied Business 2 (1), 44-55, 2013 | 13 | 2013 |
| Marketing mix and STP strategies: An exploratory study into grocery retailers in Malaysia P Ing, Z Osman, L Tze-Yin Asian Journal of Entrepreneurship 1 (4), 129-143, 2020 | 12 | 2020 |
| The dividend payout policy–a study on Malaysian financial institutions S Hutagalung, MH Yahya, F Kamarudin, Z Osman Socials Sciences and Humanities 21, 127-148, 2013 | 12 | 2013 |
| Determinants of perception toward life insurance and its impact on intention to purchase TS Lim, DZ Dzulkifli, Z Osman, R Mohidin, AAA Jamal Labuan Bulletin of International Business and Finance (LBIBF) 18 (1), 16-26, 2020 | 11 | 2020 |
| Gender, educational qualification and ethnicity differences in personal financial management practices among generation y in Malaysia R Ansar, R Ansar, MR Abd Karim, Z Osman, MS Fahmi Asian Journal of Economics, Business and Accounting 12 (1), 1-7, 2019 | 9 | 2019 |
| Retirement Planning & Job Satisfaction: Cushion to Avoid Bridge Employment? Z Osman, P Ing, AA Abd Adis, IA Razli, MR Abd Majid, I Bujang Asian Social Science 12 (1), 30, 2016 | 9 | 2016 |
| The effects of social influence and financial literacy on savings behavior: A study on students of higher learning institutions in Kota Kinabalu, Sabah AA Abdul Jamal, WK Ramlan, MR Abdul Karim, R Mohidin, Z Osman International Journal of Business and Social Science 6 (11), 110-119, 2015 | 9 | 2015 |
| Financial Literacy: How Do University Students' Fare? Z Osman, L Thien Sang, J Justine The 3rd Internation Borneo Business Conference (IBBC) 3, 29, 2008 | 9 | 2008 |
| Does security concern, perceived enjoyment and government support affect FinTech adoption? Focused on bank users Z Osman, IA Razli, P Ing Journal of Marketing Advances and Practices 3 (1), 61-78, 2021 | 7 | 2021 |
| Intention to Adopt Fintech Services among Entrepreneurs and Student of Entrepreneurship in Kuala Lumpur Z Osman, P Ing, IA Razli, WF Rick Asian Journal of Entrepreneurship 1 (4), 102-117, 2020 | 7 | 2020 |
