Making the most of information technology & systems usage: A literature review, framework and future research agenda. - Aijaz A. Shaikh; Heikki Karjaluoto (Comput. Hum. Behav., 2015)

Mobile banking adoption: A literature review. - Aijaz A. Shaikh; Heikki Karjaluoto (Telematics Informatics, 2015)

Mobile Banking Services Continuous Usage - Case Study of Finland. - Aijaz Ahmed Shaikh; Heikki Karjaluoto (HICSS, 2016)

Consumer Engagement and Behavioral Intention Toward Continuous Use of Innovative Mobile Banking Applications - A Case Study of Finland. - Janne Hepola; Heikki Karjaluoto; Aijaz A. Shaikh (ICIS, 2016)

The effects of mobile banking application user satisfaction and system usage on bank-customer relationships. - Aijaz A. Shaikh; Heikki Karjaluoto (MindTrek, 2016)

On Some Misconceptions Concerning Digital Banking and Alternative Delivery Channels. - Aijaz A. Shaikh; Heikki Karjaluoto (Int. J. E Bus. Res., 2016)

Mobile Banking and Payment System: A Conceptual Standpoint. - Aijaz A. Shaikh; Payam Hanafizadeh; Heikki Karjaluoto (Int. J. E Bus. Res., 2017)

Social Network Banking: A Case Study of 100 Leading Global Banks. - Erik Bohlin; Aijaz A. Shaikh; Payam Hanafizadeh (Int. J. E Bus. Res., 2018)

How Relevant Are Risk Perceptions, Effort, and Performance Expectancy in Mobile Banking Adoption? - Aijaz A. Shaikh; Richard Glavee-Geo; Heikki Karjaluoto (Int. J. E Bus. Res., 2018)

Customers' Perceived Risk and Trust in Using Mobile Money Services - an Empirical Study of Ghana. - Ibn Kailan Abdul-Hamid; Aijaz A. Shaikh; Henry Boateng; Robert E. Hinson (Int. J. E Bus. Res., 2019)

How perceived value drives the use of mobile financial services apps. - Heikki Karjaluoto; Aijaz A. Shaikh; Hannu Saarijärvi; Saila Saraniemi (Int. J. Inf. Manag., 2019)

Examining the Impact of ICT on Sustainable Development: A Data-Driven Narrative. - Gautam Ramasubramanian; Aijaz A. Shaikh; Ravishankar Sharma 001 (HICSS, 2021)

Designing Recommendation or Suggestion Systems: looking to the future. - Ravi S. Sharma 001; Aijaz A. Shaikh; Eldon Li (Electron. Mark., 2021)

"Your ride has arrived" - Exploring the nexus between subjective well-being, socio-cultural beliefs, COVID-19, and the sharing economy. - Majed Alharthi; Hawazen Alamoudi; Aijaz A. Shaikh; Maqsood H. Bhutto (Telematics Informatics, 2021)

Identifying relevant segments of AI applications adopters - Expanding the UTAUT2's variables. - Juan-Pedro Cabrera-Sánchez; Angel Francisco Villarejo Ramos; Francisco J. Liébana-Cabanillas; Aijaz A. Shaikh (Telematics Informatics, 2021)

Would you mind your language, please? Consumer incivility on social media platforms. - Maqsood H. Bhutto; Aijaz A. Shaikh; Heikki Karjaluoto (ICEB, 2022)

Examining the antecedents and consequences of perceived value - a case study of mobile banking application usage in the Kingdom of Saudi Arabia. - Hawazen Alamoudi; Majed Alharthi; Aijaz A. Shaikh; Mohamed Yacine Haddoud (Int. J. Mob. Commun., 2022)

Economic and Social Impacts of Generative Artificial Intelligence. - Nir Kshetri; Ravi Sharma 001; Aijaz A. Shaikh (IT Prof., 2025)