درخت حوزه‌های تخصصی

Service providers are central to the growth and competitiveness of platform-based businesses. Their collaborative and conscientious behavior plays a pivotal role in driving value co-creation across these digital ecosystems. This study examines how service providers’ conscientious behavior on the Instagram platform facilitates effective value co-creation, highlighting its pivotal role in creating mutual benefits for both providers and service recipients. This study is applied research aimed at examining service providers’ collaborative behavior on the Instagram platform and employs a descriptive survey design. The statistical population comprised all Instagram users acting as service providers, with a purposive, non-probability sample of 235 participants. Based on theoretical foundations and prior studies, collaborative behavior was conceptualized through four dimensions: conscientious behavior, personal interaction, informational behavior, and altruistic behavior. “The validity of the research instrument was assessed using confirmatory factor analysis, and reliability was confirmed through Cronbach’s alpha and composite reliability. Following data collection, K-Means clustering was applied to classify service providers, and research hypotheses were tested. The results identified two clusters: conservative conscientious service providers and perfectionistic conscientious service providers. Further analyses indicated significant relationships between informational behavior, altruistic behavior, and personal interactions with both clusters. Additionally, significant differences were observed in altruistic behavior, personal interactions, and informational behavior between conservative and perfectionistic conscientious service providers.

One of the most important determinants of bank profitability is the bank's financing strategy. Therefore, banks must continuously innovate to design and implement new financing instruments. Among these, Islamic financial instruments—particularly sukuk—play a significant role. The present study investigates the impact of sukuk on different levels of profitability (low, medium, and high) for 24 Islamic banks and 12 conventional banks, considering additional control variables such as GDP growth and inflation. The analysis covers the period 2003–2023 and specifically examines the role of the 2008 global financial crisis. Using dynamic panel quantile regression, the findings reveal that during the crisis, the expansion of the sukuk market positively influenced the profitability of conventional banks but negatively affected Islamic banks, with the strongest reduction observed among banks with low profitability. In contrast, outside the crisis period, sukuk development shows a mixed effect: negative for both Islamic and conventional banks at low and high levels of profitability, while remaining neutral in the middle quantiles.