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Prosumers’ Engagement in Business Process Innovation – The Case of Poland and the UK

Aim/Purpose: The main purpose of this paper is to identify prosumers’ engagement in business process innovation through knowledge sharing. Background: In the increasingly competitive knowledge-based economy, companies must seek innovative methods of doing business, quickly react to consumer demand, and provide superior value to consumers. Simultaneously, contemporary consumers, named “prosumers”, want to be active co-creators of value and satisfy their consumption needs through collaboration with companies for co-creation, co-design, co-production, co-promotion, co-pricing, co-distribution, co-consumption, and co-maintenance. Consequently, consumer involvement in development and improvement of products and business process must be widely analyzed in various contexts. Methodology: The research is a questionnaire survey study of 388 prosumers in Poland and 76 in the UK. Contribution The contribution of this research is twofold. First, it identifies how prosumers can be engaged in business processes through knowledge sharing. Second, it investigates the differences between Poland- and UK-based prosumers in engagement in business process. Findings: The study found that prosumers are engaged in knowledge sharing at each stage of the business process innovation framework. However, there are differences in the types of processes that draw on prosumers’ engagement. Prosumers in Poland are found to engage mostly in the business process of developing and managing products, whereas prosumers in the UK engage mostly in the business process of managing customer services. Recommendations for Practitioners: This study provides practitioners with guidelines for engaging prosumers and their knowledge sharing to improve process innovation. Companies gain new insight from these findings about prosumers’ knowledge sharing for process innovation, which may help them make better decisions about which projects and activities they can engage with prosumers for future knowledge sharing and creating prospective innovations. Recommendations for Researchers: Researchers may use this methodology and do similar analysis with different samples in Poland, the UK, and other countries, for many additional comparisons between different groups and countries. Moreover, a different methodology may be used for identifying prosumers’ engagement and knowledge sharing for processes improvement. Future Research: This study examined prosumers’ engagement from the prosumers’ standpoint. Therefore prosumers’ engagement from the company perspective should be explored in future research.




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The Role of Job Satisfaction in Turnover and Turn-away Intention of IT Staff in South Africa

Aim/Purpose: This study forms part of the World IT Project, which aims to gain a deeper understanding of individual, personal and organisational factors influencing IT staff in a modern, work environment. The project also aims to provide a global view that complements the traditional American/Western view. The purpose of this study is to investigate and report on some of these factors, in particular, the role that job satisfaction has in turnover intention (i.e., changing jobs within the IT industry) and turn-away intention (i.e., moving to another industry other than IT) in South Africa. Background: Several studies have reported on the importance of an employee’s job satisfaction to organisation success, and the various factors that influence it. Most studies on job satisfaction adopted a Westernised and not a global view. Very few empirical studies have been conducted on job satisfaction of IT workers in South Africa. This paper reports on the individual, personal and organisational factors that influence the job satisfaction of IT staff in South Africa. Methodology: The study uses statistical analysis of survey data acquired through the World IT Project. Both online and paper based questionnaires were used. A sample size of 301 respondents was obtained from the survey, which was conducted over a period of 6 months during 2017. The factors that influence IT job satisfaction were analysed using correlation analysis, multiple regression analysis and discriminant analysis. The factors investigated were employee and organisational demographics, aspects of occupational culture, and various job-related individual issues. Contribution: This paper presents the only study focused specifically on turnover and turn-away intention amongst IT staff in South Africa. The final proposed model, grounded in the empirical dataset, clearly shows job satisfaction as a strong mediating construct explaining most of the variance in the IT professional’s intention to leave the organisation (i.e. their turnover intention) and the industry (i.e. their turn-away intention). Findings: The findings revealed that there was a significant correlation between job satisfaction and turnover intention as well as between job satisfaction and turn-away intention of IT staff. Perceived professional self-efficacy, strain and experience were also highly correlated with turnover intention. Professional self-efficacy was also significantly correlated with turn-away intention. Based on the analyses that were conducted, a research model is presented that shows the relationships between the various antecedents of turnover and turn-away intention. Recommendations for Practitioners: Managers in organisations dealing with the shortage of IT skills can use the model to plan interventions to reduce IT staff turnover rates by focussing on addressing the identified individual issues such as strain, job (in)security and work load as well as the personal value and IT occupational culture issues. Recommendation for Researchers: Researchers in the field of IT staff recruitment and management can find value for their research in the proposed refined model of IT job satisfaction and turnover intention. Future research could possibly replicate the study in other countries or could focus on different factors. Impact on Society: IT skills play a crucial role in society today and are therefore in high demand. However, this demand is not being satisfied by the current rate of supply. Research into what factors influence IT staff to leave the organisation or the industry can assist managers with improving their employee relations and job conditions so as to reduce this turnover and increase organisations’ and society’s competitiveness and economic growth. Future Research: It would be interesting to determine if the findings are similar for a sample of smaller organisations and/or younger IT employees since this study focussed on larger organisations and more experienced staff. Future research could also compare the findings of South African organisations with those in other countries.




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A Cognitive Knowledge-based Model for an Academic Adaptive e-Advising System

Aim/Purpose: This study describes a conceptual model, based on the principles of concept algebra that can provide intelligent academic advice using adaptive, knowledge-based feedback. The proposed model advises students based on their traits and academic history. The system aims to deliver adaptive advice to students using historical data from previous and current students. This data-driven approach utilizes a cognitive knowledge-based (CKB) model to update the weights (values that indicate the strength of relationships between concepts) that exist between student’s performances and recommended courses. Background: A research study conducted at the Public Authority for Applied Education and Training (PAAET), a higher education institution in Kuwait, indicates that students’ have positive perceptions of the e-Advising system. Most students believe that PAAET’s e-Advising system is effective because it allows them to check their academic status, provides a clear vision of their academic timeline, and is a convenient, user-friendly, and attractive online service. Student advising can be a tedious element of academic life but is necessary to fill the gap between student performance and degree requirements. Higher education institutions have prioritized assisting undecided students with career decisions for decades. An important feature of e-Advising systems is personalized feedback, where tailored advice is provided based on students' characteristics and other external parameters. Previous e-Advising systems provide students with advice without taking into consideration their different attributes and goals. Methodology: This research describes a model for an e-Advising system that enables students to select courses recommended based on their personalities and academic performance. Three algorithms are used to provide students with adaptive course selection advice: the knowledge elicitation algorithm that represents students' personalities and academic information, the knowledge bonding algorithm that combines related concepts or ideas within the knowledge base, and the adaptive e-Advising model that recommends relevant courses. The knowledge elicitation algorithm acquires student and academic characteristics from data provided, while the knowledge bonding algorithm fuses the newly acquired features with existing information in the database. The adaptive e-Advising algorithm provides recommended courses to students based on existing cognitive knowledge to overcome the issues associated with traditional knowledge representation methods. Contribution: The design and implementation of an adaptive e-Advising system are challenging because it relies on both academic and student traits. A model that incorporates the conceptual interaction between the various academic and student-specific components is needed to manage these challenges. While other e-Advising systems provide students with general advice, these earlier models are too rudimentary to take student characteristics (e.g., knowledge level, learning style, performance, demographics) into consideration. For the online systems that have replaced face-to-face academic advising to be effective, they need to take into consideration the dynamic nature of contemporary students and academic settings. Findings: The proposed algorithms can accommodate a highly diverse student body by providing information tailored to each student. The academic and student elements are represented as an Object-Attribute-Relationship (OAR) model. Recommendations for Practitioners: The model proposed here provides insight into the potential relationships between students’ characteristics and their academic standing. Furthermore, this novel e-Advising system provides large quantities of data and a platform through which to query students, which should enable developing more effective, knowledge-based approaches to academic advising. Recommendation for Researchers: The proposed model provides researches with a framework to incorporate various academic and student characteristics to determine the optimal advisory factors that affect a student’s performance. Impact on Society: The proposed model will benefit e-Advising system developers in implementing updateable algorithms that can be tested and improved to provide adaptive advice to students. The proposed approach can provide new insight to advisors on possible relationships between student’s characteristics and current academic settings. Thus, providing a means to develop new curriculums and approaches to learning. Future Research: In future studies, the proposed algorithms will be implemented, and the adaptive e-Advising model will be tested on real-world data and then further improved to cater to specific academic settings. The proposed model will benefit e-Advising system developers in implementing updateable algorithms that can be tested and improved to provide adaptive advisory to students. The approach proposed can provide new insight to advisors on possible relationships between student’s characteristics and current academic settings. Thus, providing a means to develop new curriculums and approaches to course recommendation.




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A Multicluster Approach to Selecting Initial Sets for Clustering of Categorical Data

Aim/Purpose: This article proposes a methodology for selecting the initial sets for clustering categorical data. The main idea is to combine all the different values of every single criterion or attribute, to form the first proposal of the so-called multiclusters, obtaining in this way the maximum number of clusters for the whole dataset. The multiclusters thus obtained, are themselves clustered in a second step, according to the desired final number of clusters. Background: Popular cluster methods for categorical data, such as the well-known K-Modes, usually select the initial sets by means of some random process. This fact introduces some randomness in the final results of the algorithms. We explore a different application of the clustering methodology for categorical data that overcomes the instability problems and ultimately provides a greater clustering efficiency. Methodology: For assessing the performance of the proposed algorithm and its comparison with K-Modes, we apply both of them to categorical databases where the response variable is known but not used in the analysis. In our examples, that response variable can be identified to the real clusters or classes to which the observations belong. With every data set, we perform a two-step analysis. In the first step we perform the clustering analysis on data where the response variable (the real clusters) has been omitted, and in the second step we use that omitted information to check the efficiency of the clustering algorithm (by comparing the real clusters to those given by the algorithm). Contribution: Simplicity, efficiency and stability are the main advantages of the multicluster method. Findings: The experimental results attained with real databases show that the multicluster algorithm has greater precision and a better grouping effect than the classical K-modes algorithm. Recommendations for Practitioners: The method can be useful for those researchers working with small and medium size datasets, allowing them to detect the underlying structure of the data in an intuitive and reasonable way. Recommendation for Researchers: The proposed algorithm is slower than K-Modes, since it devotes a lot of time to the calculation of the initial combinations of attributes. The reduction of the computing time is therefore an important research topic. Future Research: We are concerned with the scalability of the algorithm to large and complex data sets, as well as the application to mixed data sets with both quantitative and qualitative attributes.




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Critical Success Factors for Implementing Business Intelligence Projects (A BI Implementation Methodology Perspective)

Aim/Purpose: The purpose of this paper is to identify Critical Success Factors (CSFs) for Business Intelligence (BI) implementation projects by studying the existing BI project implementation methodologies and to compare these methodologies based on the identified CSFs. Background: The implementation of BI project has become one of the most important technological and organizational innovations in modern organizations. The BI project implementation methodology provides a framework for demonstrating knowledge, ideas and structural techniques. It is defined as a set of instructions and rules for implementing BI projects. Identifying CSFs of BI implementation project can help the project team to concentrate on solving prior issues and needed resources. Methodology: Firstly, the literature review was conducted to find the existing BI project implementation methodologies. Secondly, the content of the 13 BI project implementation methodologies was analyzed by using thematic analysis method. Thirdly, for examining the validation of the 20 identified CSFs, two questionnaires were distributed among BI experts. The gathered data of the first questionnaire was analyzed by content validity ratio (CVR) and 11 of 20 CSFs were accepted as a result. The gathered data of the second questionnaire was analyzed by fuzzy Delphi method and the results were the same as CVR. Finally, 13 raised BI project implementation methodologies were compared based on the 11 validated CSFs. Contribution: This paper contributes to the current theory and practice by identifying a complete list of CSFs for BI projects implementation; comparison of existing BI project implementation methodologies; determining the completeness degree of existing BI project implementation methodologies and introducing more complete ones; and finding the new CSF “Expert assessment of business readiness for successful implementation of BI project” that was not expressed in previous studies. Findings: The CSFs that should be considered in a BI project implementation include: “Obvious BI strategy and vision”, “Business requirements definition”, “Business readiness assessment”, “BI performance assessment”, “Establishing BI alignment with business goals”, “Management support”, “IT support for BI”, “Creating data resources and source data quality”, “Installation and integration BI programs”, “BI system testing”, and “BI system support and maintenance”. Also, all the 13 BI project implementation methodologies can be divided into four groups based on their completeness degree. Recommendations for Practitioners: The results can be used to plan BI project implementation and help improve the way of BI project implementation in the organizations. It can be used to reduce the failure rate of BI implementation projects. Furthermore, the 11 identified CSFs can give a better understanding of the BI project implementation methodologies. Recommendation for Researchers: The results of this research helped researchers and practitioners in the field of business intelligence to better understand the methodology and approaches available for the implementation and deployment of BI systems and thus use them. Some methodologies are more complete than other studied methodologies. Therefore, organizations that intend to implement BI in their organization can select these methodologies according to their goals. Thus, Findings of the study can lead to reduce the failure rate of implementation projects. Future Research: Future researchers may add other BI project implementation methodologies and repeat this research. Also, they can divide CSFs into three categories including required before BI project implementation, required during BI project implementation and required after BI project implementation. Moreover, researchers can rank the BI project implementation CSFs. As well, Critical Failure Factors (CFFs) need to be explored by studying the failed implementations of BI projects. The identified CSFs probably affect each other. So, studying the relationship between them can be a topic for future research.




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Enterprise Knowledge Generation Driven by Internet Integration Capability: A Mediated Moderation Model

Aim/Purpose: Drawing on theories of organizational learning, this study analyzes the mechanism of Internet integration capability affecting knowledge generation by 399 Chinese enterprises. This paper will further explore whether there is a moderating role of learning orientation in the mechanism of Internet integration capability affecting enterprise knowledge generation. Background: The Internet has gradually integrated into the enterprise innovation system and penetrated into all aspects of technological innovation, which has promoted the integration and optimization of resources inside and outside the organization. However, there is limited understanding of how the combination of the Internet and integration capability can drive enterprise knowledge generation. Methodology: The study uses survey data from 399 organizations in China. Through structural equation modeling, this study assesses the relationship between Internet integration capability, organizational learning, knowledge generation, and uses PROCESS macro program to test the mediated moderation effect of learning orientation. Contribution: First, this study provides empirical evidence for managers to better build Internet integration capability and ambidextrous learning to promote enterprise knowledge generation. Second, this study highlights the important moderating role of learning orientation in the mediating role of ambidextrous learning. Findings: First, the study confirms the mediating role of exploratory learning and exploitative learning in knowledge generation driven by Internet integration capability. Second, the results show that when organizations have a strong learning orientation, the indirect path of Internet integration capability influencing knowledge generation through exploratory learning will be enhanced. Recommendations for Practitioners: Enterprises should pay full attention to the improvement of internet integration capability and ambidextrous learning to promote knowledge generation. In addition, enterprises should establish a good learning atmosphere within the organization to strengthen the bridge role of exploratory learning between Internet integration capability and knowledge generation. Recommendation for Researchers: Researchers could collect data from countries with different levels of economic development to verify the universal applicability of the proposed theoretical model. Impact on Society: This study provides references for enterprises using Internet integration capability to promote their knowledge generation capability under the internet background. Future Research: Future research can compare the impact of Internet integration capability on knowledge generation in different industries.




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The Effect of Rational Based Beliefs and Awareness on Employee Compliance with Information Security Procedures: A Case Study of a Financial Corporation in Israel

Aim/Purpose: This paper examines the behavior of financial firm employees with regard to information security procedures instituted within their organization. Furthermore, the effect of information security awareness and its importance within a firm is explored. Background: The study focuses on employees’ attitude toward compliance with information security policies (ISP), combined with various norms and personal abilities. Methodology: A self-reported questionnaire was distributed among 202 employees of a large financial Corporation Contribution: As far as we know, this is the first paper to thoroughly explore employees’ awareness of information system procedures, among financial organizations in Israel, and also the first to develop operative recommendations for these organizations aimed at increasing ISP compliance behavior. The main contribution of this study is that it investigates compliance with information security practices among employees of a defined financial corporation operating under rigid regulatory governance, confidentiality and privacy of data, and stringent requirements for compliance with information security procedures. Findings: Our results indicate that employees’ attitudes, normative beliefs and personal capabilities to comply with firm’s ISP, have positive effects on the firm’s ISP compliance. Also, employees’ general awareness of IS, as well as awareness to ISP within the firm, positively affect employees’ ISP compliance. Recommendations for Practitioners: This study can help information security managers identify the motivating factors for employee behavior to maintain information security procedures, properly channel information security resources, and manage appropriate information security behavior. Recommendation for Researchers: Researchers can see that corporate rewards and sanctions have significant effects on employee security behavior, but other motivational factors also reinforce the ISP’s compliance behavior. Distinguishing between types of corporations and organizations is essential to understanding employee compliance with information security procedures. Impact on Society: This study offers another level of understanding of employee behavior with regard to information security in organizations and comprises a significant contribution to the growing knowledge in this area. The research results form an important basis for IS policymakers, culture designers, managers, and those directly responsible for IS in the organization. Future Research: Future work should sample employees from another type of corporation from other fields and should apply qualitative analysis to explore other aspects of behavioral patterns related to the subject matter.




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The Longitudinal Empirical Study of Organizational Socialization and Knowledge Sharing – From the Perspective of Job Embeddedness

Aim/Purpose: Based on the social exchange theory, this study aimed to explore the underlying mechanisms and boundary conditions between organizational socialization and knowledge sharing. Background: With the advent of the era of the knowledge economy, knowledge has been replacing traditional resources such as capital, labor, and land to become the critical resources of enterprises. The competitiveness of an organization depends much on the effectiveness of its knowledge management; the success of its knowledge management largely relies upon employees’ motivation and willingness to engage in knowledge sharing. Methodology: This study is a longitudinal analysis of data collected from 281 newcomers in Chinese enterprises at two-time points with a one-month interval. Structural equation modeling (SEM) was conducted to test hypotheses by calculating standardized path coefficients and their significance levels. Contribution: The study examined models linking organizational socialization and knowledge sharing that included organizational links and sacrifice as mediators and trust as a moderator. Findings: Results show that the influences of organizational socialization on knowledge sharing change regularly over time. In the role management stage, coworker support and prospects for the future impact the practices of knowledge sharing through links and sacrifice. Moreover, the findings show that trust moderates the effect of links and sacrifice on employees’ knowledge sharing. Recommendations for Practitioners: This study can help enterprises develop targeted human resource management strategies, improve the degree of job embeddedness within the organization, and thus encourage more knowledge sharing among employees. Recommendation for Researchers: First, researchers could pay attention to more underlying mechanisms and boundary conditions in the relationship between organizational socialization and knowledge sharing. Second, focusing on specific cultural context and dimension of concepts may provide a new insight for the future study and help add greater theoretical precision to knowledge sharing. Impact on Society: First, this study suggests that coworker support and prospects for the future improve knowledge sharing within the organization. Second, understanding how job embeddedness (organizational links and organizational sacrifice) acts as a mediator enhancing knowledge sharing, managers should consider raising their attachment relationship to organizations from two aspects: links and sacrifice. Third, knowledge sharing takes place in a team-oriented context, where the success of the team requires high-quality relationships among individual team members within the team as a whole. Future Research: Researchers in the future should employ experimental research design or utilize longitudinal data to ensure that the findings reveal causation. In addition, future research can investigate how the initial level and later changes of organizational socialization are associated with knowledge sharing beyond the observational scope of traditional cross-sectional and lagged research designs.




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A Knowledge Transfer Perspective on Front/Back-Office Structure and New Service Development Performance: An Empirical Study of Retail Banking in China

Aim/Purpose: The purpose of this study is to investigate the mechanism of the front/back-office structure affecting new service development (NSD) performance and examine the role of knowledge transfer in the relationship between front/back-office structure and NSD. Background: The separation of front and back-office has become the prevailing trend of the organizational transformation of modern service enterprises in the digital era. Yet, the influence of front and back-office separation dealing with new service development has not been widely researched. Methodology: Building on the internal social capital perspective, a multivariate regression analysis was conducted to investigate the impact of front/back-office structure on the NSD performance through knowledge transfer as an intermediate variable. The data was collected through a survey questionnaire from 198 project-level officers in the commercial banking industry of China. Contribution: This study advances the understanding of front/back-office structure’s influence mechanism on new service development activity. It reveals that knowledge transfer plays a critical role in bridging the impact of front and back-office separation to NSD performance under the trend of digitalization of service organizations. Findings: This study verified the positive effects of front/back-office social capital on NSD performance. Moreover, knowledge transfer predicted the variation in NSD performance and fully mediated the effect of front/back-office social capital on NSD performance. Recommendations for Practitioners: Service organizations should optimize knowledge transfer by promoting the social capital between front and back-office to overcome the negative effect organizational separation brings to NSD. Service and other organizations could explore developing an internal social network management platform, by which the internal social network could be visualized and dynamically managed. Recommendation for Researchers: The introduction of information and communications technology not only divides the organization into front and back-office, but also reduces the face-to-face customer contact. The impacts of new forms of customer contact to new service development and knowledge transfer between customer and service organizations call for further research. Along with the digital servitization, some manufacturing organizations also separate front and back-offices. The current model can be applied and assessed further in manufacturing and other service sectors. Impact on Society: The conclusion of this study guides us to pay attention to the construction of social capital inside organizations with front/back-office structure and implicates introducing and developing sociotechnical theory in front/back-office issue undergoing technological revolution. Future Research: As this study is based on the retail banking industry, similar studies are called upon in other service sectors to identify differences and draw more general conclusions. In addition, as the front and back-offices are being replaced increasingly by information technology such as artificial intelligence (AI), it is necessary to advance the research on front/back-office research with a new theoretical perspective, such as sociotechnical theory.




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Transition to a Competitive Consultant Selection Method: A Case Study of a Public Agency in Israel

Aim/Purpose: This paper reports a case study of organizational transition from a non-competitive selection method to a novel bidding method for the selection of consultants in the Architectural and Engineering (A/E) industry. Background: Public procurement agencies are increasingly relying on external consultants for the design of construction projects. Consultant selection can be based on either competitive bidding, or quality-based criteria, or some combination between these two approaches. Methodology: Different sources of information were reviewed: internal documents, and quantitative data from the enterprise software platform (ERP). In addition, informal and unstructured interviews were conducted with relevant officials. Contribution: As there are mixed opinions in the scientific literature regarding the use of competitive bidding for the selection of consultants in the A/E industry, this paper contributes a detailed review of a transition to a competitive selection method and provides a financial and qualitative comparison between the two methods. In addition, the method implemented is novel, as it delegates most of the responsibility of hiring and managing consultants to one main contractor. Findings: While the new selection method was intended to reduce bureaucratic overload, it has unexpectedly also succeeded to reduce costs as well. Recommendations for Practitioners: It may be more efficient and profitable to adopt the selection method described in this study. Recommendation for Researchers: Similar methods can be applied to other industries successfully. Impact on Society: Our method was applied in a public organization and resulted in a better outcome, both financial and managerial. Adopting this approach can benefit public budgets. Future Research: The selection, data storage, and analysis methods are interrelated components. Future analysis of these components can help better shape the consultant selection process.




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NOTICE OF RETRACTION: THE IMPACT OF KNOWLEDGE MANAGEMENT ON FIRM INNOVATIVENESS VIA MEDIATING ROLE OF INNOVATIVE CULTURE – THE CASE OF MNES IN MALAYSIA

Aim/Purpose: ******************************************************************************************** After its investigation, the Research Ethics, Integrity, and Governance team at RMIT University found that the primary author of this paper breached the Australian Code and/or RMIT Policy and requested that the article be retracted. ********************************************************************************************* This paper aimed to examine the impact of knowledge management on firm innovativeness of multinational enterprises (MNEs) via the mediating role of innovative culture in Malaysia. Background: Inadequate management practices and growing competition among MNEs operating in developing nations, notably in Malaysia, have hindered their organizational success. Although several studies have shown that knowledge management has a substantial impact on MNEs’ success, it is not apparent if innovation at the company level has a direct impact on their performance. Thus, there is no definitive evidence between knowledge management with business innovativeness and organizational success. Methodology: This study adopted a quantitative approach based on a cross-sectional survey and descriptive design to gather the data in a specific period. A convenient sampling approach was used to select 296 respondents from Malaysia-dependent MNEs of different industries. One of the advantages of this study methodology is that the sample targeted many fields. Afterward, SPSS AMOS 24.0 software package analysis was performed to test the hypotheses. Contribution: The study contributes to knowledge management and firm innovativeness literature through advancing innovative culture as a mediating factor that accounts for the link between these two constructs, especially from an emerging economy perspective. The research findings also offer managerial implications for organizations in their quest to improve firm innovativeness. Findings: The results support that innovative culture significantly affects MNEs’ performance. Innovative culture enhances the capability of MNEs to be innovative that finally leads to the superior performance of firm innovativeness. Recommendations for Practitioners: According to this research, companies that exhibit an innovative culture, the acquisition of new information, the conversion of tacit knowledge into explicit knowledge, the application of knowledge, and the safeguarding of knowledge, all have a positive effect on their innovativeness. This means that for organizations to run an innovative MNE in Malaysia, a creative culture must be fostered since the current study has shown how it is seen as a catalyst that facilitates learning, transformation, and implementation of relevant knowledge. Recommendation for Researchers: Future studies should be carried out in other sectors aside from the manufacturing sector using the same scales used to measure knowledge management. Furthermore, a comparative analysis of knowledge management and firm innovativeness using innovative culture as a mediator should be researched in other developing economies. Impact on Society: While the main aim of this study was to better understand how and why MNEs operate the way they do, it had an indirect impact on the business and political tactics taken by CEOs and managers working in MNEs in developing countries, as this research has shown. Future Research: Future research should employ the methodology presented in this study and pursue this in other sectors, such as emerging and developed nations’ major businesses, to validate the results and further generalize the conclusions. Other methods should also be incorporated to investigate the other dimensions of MNEs’ performance, including market orientation, technology orientation, and entrepreneurial orientation.




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Modelling End Users’ Continuance Intention to Use Information Systems in Academic Settings: Expectation-Confirmation and Stress Perspective

Aim/Purpose: The main aim of this study is to identify the factors that influence the continuance intention of use of innovative systems by non-academic employees of a private university and associated academic institutions in Bangladesh. Background: The targeted academic institutions have introduced many new online services aimed at improving students’ access to information and services, including a new online library, ERP or online forum, and the jobs-tracking system (JTS). This research is focused only on the JTS for two reasons. First, it is one of the most crucial systems for the Daffodil Family, as it enables efficient working across many institutes spread across the country and abroad. Second, it is employed in a wide variety of organisational institutes, not just the university. This study aims to discover negative factors that lead to a decrease in users’ intentions to continue using the system. The ultimate goal is to improve the motivation among administrative staff to use technology-related innovation by reducing or eliminating the problems. Methodology: G* power analysis was employed to determine the expected sample size. A questionnaire survey was conducted of 211 users of a new job tracking system from a private university in Bangladesh, to collect data for testing the suggested research model. The data was analysed using the structural equation technique, which is a powerful multivariate analysis mechanism. Contribution: This research contributes to the body of literature and helps better understand users’ continuance intention in the post-implementation phase of the JTS. It complements the micro-level examinations of continuance intention of using IT, by building on our understanding of the phenomenon at the individual level. Specifically, this study examines the role of technostress where organisations invest in IT to make their users more comfortable with innovative and new technologies like the JTS. Findings: This research develops a theoretical advancement of the expectation-confirmation theory, with implications for IT managers and senior management dealing with IT-related behaviour. All proposed hypotheses were supported. Specifically, the predictors of exhaustion – work overload, work–life balance, and role ambiguity – are significant. The core factors for satisfaction, perceived usefulness, and confirmation, are also found to be significant. Finally, satisfaction and exhaustion significantly influence continuance intention, in both positive and negative ways. Recommendations for Practitioners: This study gives an idea about some of the difficulties that people face when implementing new and innovative IT, particularly in academia in Bangladesh. It offers insights into strategies the management may want to follow when implementing new technology like the JTS. This study suggests strategies to increase satisfaction and reduce technostress among new users to enhance organisational support for change. Recommendation for Researchers: Methodologically, the study provides researchers about the technique that reduces the threat of the common method bias. First, it created a psychological separation between criterion and predictor variables. Second, the threat of common method variance was actively controlled by modelling a latent method factor and by using marker variables that researchers can use in their work. This study complements the micro-level examinations of continuance intention of using IT by building on our understanding of the phenomenon at the individual level. Researchers can extend this model by integrating other theories. Impact on Society: The findings of the study indicate that work overload, work–life conflict, and role ambiguity create tiredness, leading to lower user satisfaction with the system. Perceived usefulness and confirmation have an increasingly similar effect on users’ satisfaction with the system and their subsequent continuance intention. These findings tell university administrators what measures they should take to improve continuance intention of using innovative technology. Future Research: Future studies could conceptualise a five-factor personality model from the personal perspective of users. This model can also be extended by including the dimensions of absorptive capacity, i.e., the dynamic capabilities of users. Absorptive capacity of understanding, assimilating, and applying might influence the user’s perception of usefulness and confirmation of using JTS.




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Security as a Solution: An Intrusion Detection System Using a Neural Network for IoT Enabled Healthcare Ecosystem

Aim/Purpose: The primary purpose of this study is to provide a cost-effective and artificial intelligence enabled security solution for IoT enabled healthcare ecosystem. It helps to implement, improve, and add new attributes to healthcare services. The paper aims to develop a method based on an artificial neural network technique to predict suspicious devices based on bandwidth usage. Background: COVID has made it mandatory to make medical services available online to every remote place. However, services in the healthcare ecosystem require fast, uninterrupted facilities while securing the data flowing through them. The solution in this paper addresses both the security and uninterrupted services issue. This paper proposes a neural network based solution to detect and disable suspicious devices without interrupting critical and life-saving services. Methodology: This paper is an advancement on our previous research, where we performed manual knowledge-based intrusion detection. In this research, all the experiments were executed in the healthcare domain. The mobility pattern of the devices was divided into six parts, and each one is assigned a dedicated slice. The security module regularly monitored all the clients connected to slices, and machine learning was used to detect and disable the problematic or suspicious devices. We have used MATLAB’s neural network to train the dataset and automatically detect and disable suspicious devices. The different network architectures and different training algorithms (Levenberg–Marquardt and Bayesian Framework) in MATLAB software have attempted to achieve more precise values with different properties. Five iterations of training were executed and compared to get the best result of R=99971. We configured the application to handle the four most applicable use cases. We also performed an experimental application simulation for the assessment and validation of predictions. Contribution: This paper provides a security solution for the IoT enabled healthcare system. The architectures discussed suggest an end-to-end solution on the sliced network. Efficient use of artificial neural networks detects and block suspicious devices. Moreover, the solution can be modified, configured and deployed in many other ecosystems like home automation. Findings: This simulation is a subset of the more extensive simulation previously performed on the sliced network to enhance its security. This paper trained the data using a neural network to make the application intelligent and robust. This enhancement helps detect suspicious devices and isolate them before any harm is caused on the network. The solution works both for an intrusion detection and prevention system by detecting and blocking them from using network resources. The result concludes that using multiple hidden layers and a non-linear transfer function, logsig improved the learning and results. Recommendations for Practitioners: Everything from offices, schools, colleges, and e-consultation is currently happening remotely. It has caused extensive pressure on the network where the data flowing through it has increased multifold. Therefore, it becomes our joint responsibility to provide a cost-effective and sustainable security solution for IoT enabled healthcare services. Practitioners can efficiently use this affordable solution compared to the expensive security options available in the commercial market and deploy it over a sliced network. The solution can be implemented by NGOs and federal governments to provide secure and affordable healthcare monitoring services to patients in remote locations. Recommendation for Researchers: Research can take this solution to the next level by integrating artificial intelligence into all the modules. They can augment this solution by making it compatible with the federal government’s data privacy laws. Authentication and encryption modules can be integrated to enhance it further. Impact on Society: COVID has given massive exposure to the healthcare sector since last year. With everything online, data security and privacy is the next most significant concern. This research can be of great support to those working for the security of health care services. This paper provides “Security as a Solution”, which can enhance the security of an otherwise less secure ecosystem. The healthcare use cases discussed in this paper address the most common security issues in the IoT enabled healthcare ecosystem. Future Research: We can enhance this application by including data privacy modules like authentication and authorisation, data encryption and help to abide by the federal privacy laws. In addition, machine learning and artificial intelligence can be extended to other modules of this application. Moreover, this experiment can be easily applicable to many other domains like e-homes, e-offices and many others. For example, e-homes can have devices like kitchen equipment, rooms, dining, cars, bicycles, and smartwatches. Therefore, one can use this application to monitor these devices and detect any suspicious activity.




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China’s Halal Food Industry: The Link Between Knowledge Management Capacity, Supply Chain Practices, and Company Performance

Aim/Purpose: The study attempts to analyse the influences of knowledge management capacity on company performance and supply chain practices. It also examines whether supply chain practices significantly and positively impact company performance. Background: Knowledge management capacity is an essential tactical resource that enables the integration and coordination among supply chain stakeholders, but research examining the link between knowledge management capacity and supply chain practices and their impacts on company performance remains scarce. Methodology: The study uses correlation analysis and factor analysis to confirm the theoretical framework’s validity and structural equation modelling to test hypotheses. The data are obtained from 115 halal food firms in China (with a response rate of 82.7%). Contribution: This study’s findings contribute to the Social Capital Theory by presenting the impacts of different supply chain practices on company performance. The findings also suggest the impact of intangible resources on enhancing company performance, contributing to the Resource-based View Theory. These results are a crucial contribution to both academicians and corporate managers working in the Halal food industry. Managers can apply these findings to discover and adopt knowledge management capacity with practical anticipation that these concepts will align with their company strategies. Also, the research motivates managers to concentrate their knowledge management on enhancing companies’ supply chain practices to achieve improved company performance. Findings: This study is an initial effort that provides empirical evidence regarding the relationships among supply chain, knowledge management, and company performance from the perspective of China’s halal food industry. The results prove that knowledge management capacity is the supply chains’ primary success determinant and influencer. Besides, knowledge management capacity positively influences company performance, and supply chain practices directly influence company performance. Recommendations for Practitioners: Managers can apply these study findings to determine and increase knowledge management capacity with practical anticipation that these concepts will align with their company strategies. Also, the research motivates managers to concentrate their knowledge management on enhancing companies’ supply chain practices to achieve improved company performance. Recommendation for Researchers: The study presents a new theoretical framework and empirical evidence for surveying halal food businesses in China. Impact on Society: These results are a significant contribution to the research field and industry focusing on halal foods. Future Research: First, this research focuses only on halal food businesses in China; thus, it is essential to re-examine the hypothesized relations between the constructs in other Chinese business segments and regions. Next, the effect of variables and practices on the theorized framework should be taken into account and examined in other industries and nations.




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The Influence of Soft Skills on Employability: A Case Study on Technology Industry Sector in Malaysia

Aim/Purpose: This research investigates the influence of soft skills on graduates’ employability in the technology industry, using the technology industry sector in Malaysia as a case. Background: Organizations are looking for appropriate mechanisms to hire qualified employees with strong soft skills and hard skills. This requires that job candidates possess a set of qualifications and skills which impact their employability. Methodology: Fuzzy Delphi analysis was conducted as preliminary study to identify the critical soft skills required by technology industry sector. The preliminary study produced ten critical soft skills to form a conceptual model of their influence on employability. Then, an online questionnaire survey was distributed in two industry companies in Malaysia to collect research data, and regression analysis was conducted to validate the conceptual model. Contribution: This research focuses on the influence of soft skills on graduate employability in the technology industry sector, since the selection of the best candidate in the industry will improve employee performance and lead to business success. Findings: The results of regression analysis confirmed that Communication skills, Attitude, Integrity, Learnability, Motivation, and Teamwork are significantly correlated with employability, which means that these soft skills are the critical factors for employability in Malaysian technology companies. Recommendations for Practitioners: The model proposed in this article can be used by employers to give better assessment of candidates’ compatibility with the jobs available. Impact on Society: This research highlights the critical soft skills required by technology industry sector, which will reduce the unemployment percentages among graduates. Future Research: More studies are required to examine the soft skills found in the literature and to define the most important skills from a general perspective of the industry. Future research should assess the moderating role of other variables, such as skills gap, employee performance, and employee knowledge. Furthermore, it is recommended to conduct similar studies of soft skills for employability in other countries.




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Software as a Service (SaaS) Cloud Computing: An Empirical Investigation on University Students’ Perception

Aim/Purpose: This study aims to propose and empirically validate a model and investigates the factors influencing acceptance and use of Software as a Services cloud computing services (SaaS) from individuals’ perspectives utilizing an integrative model of Theory of Planned Behavior (TPB) and Technology Acceptance Model (TAM) with modifications to suit the objective of the study. Background: Even though SaaS cloud computing services has gained the acceptance in its educational and technical aspects, it is still expanding constantly with emerging cloud technologies. Moreover, the individual as an end-user of this technology has not been given the ample attention pertaining to SaaS acceptance and adoption (AUSaaS). Additionally, the higher education sector needs to be probed regarding AUSaaS perception, not only from a managerial stance, but also the individual. Hence, further investigation in all aspects, including the human factor, deserves deeper inspection. Methodology: A quantitative approach with probability multi-stage sampling procedure conducted utilizing survey instrument distributed among students from three public Malaysian universities. The valid collected responses were 289 Bachelor’s degree students. The survey included the demographic part as well as the items to measure the constructs relationships hypothesized. Contribution: The empirical results disclosed the appropriateness of the integrated model in explaining the individual’s attitude (R2 = 57%), the behavior intention (R2 = 64%), and AUSaaS at the university settings (R2 = 50%). Also, the study offers valuable findings and examines new relationships that considered a theoretical contribution with proven empirical results. That is, the subjective norms effect on attitude and AUSaaS is adding empirical evidence of the model hypothesized. Knowing the significance of social effect is important in utilizing it to promote university products and SaaS applications – developed inside the university – through social media networks. Also, the direct effect of perceived usefulness on AUSaaS is another important theoretical contribution the SaaS service providers/higher education institutes should consider in promoting the usefulness of their products/services developed or offered to students/end-users. Additionally, the research contributes to the knowledge of the literature and is considered one of the leading studies on accepting SaaS services and applications as proliferation of studies focus on the general and broad concept of cloud computing. Furthermore, by integrating two theories (i.e., TPB and TAM), the study employed different factors in studying the perceptions towards the acceptance of SaaS services and applications: social factors (i.e., subjective norms), personal capabilities and capacities (i.e., perceived behavioral control), technological factors (i.e., perceived usefulness and perceived ease of use), and attitudinal factors. These factors are the strength of both theories and utilizing them is articulated to unveil the salient factors affecting the acceptance of SaaS services and applications. Findings: A statistically positive significant influence of the main TPB constructs with AUSaaS was revealed. Furthermore, subjective norms (SN) and perceived usefulness (PU) demonstrated prediction ability on AUSaaS. Also, SN proved a statically significant effect on attitude (ATT). Specifically, the main contributors of intention are PU, perceived ease of use, ATT, and perceived behavioral control. Also, the proposed framework is validated empirically and statistically. Recommendation for Researchers: The proposed model is highly recommended to be tested in different settings and cultures. Also, recruiting different respondents with different roles, occupations, and cultures would likely draw more insights of the results obtained in the current research and its generalizability Future Research: Participants from private universities or other educational institutes suggested in future work as the sample here focused only on public sector universities. The model included limited number of variables suggesting that it can be extended in future works with other constructs such as trialability, compatibility, security, risk, privacy, and self-efficacy. Comparison of different ethnic groups, ages, genders, or fields of study in future research would be invaluable to enhance the findings or reveal new insights. Replication of the study in different settings is encouraged.




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Understanding the Determinants of Wearable Payment Adoption: An Empirical Study

Aim/Purpose: The aim of this study is to determine the variables which affect the intention to use Near Field Communication (NFC)-enabled smart wearables (e.g., smartwatches, rings, wristbands) payments. Background: Despite the enormous potential of wearable payments, studies investigating the adoption of this technology are scarce. Methodology: This study extends the Technology Acceptance Model (TAM) with four additional variables (Perceived Security, Trust, Perceived Cost, and Attractiveness of Alternatives) to investigate behavioral intentions to adopt wearable payments. The moderating role of gender was also examined. Data collected from 311 Kuwaiti respondents were analyzed using Structural Equation Modeling (SEM) and multi-group analysis (MGA). Contribution: The research model provided in this study may be useful for academics and scholars conducting further research into m-payments adoption, specifically in the case of wearable payments where studies are scarce and still in the nascent stage; hence, addressing the gap in existing literature. Further, this study is the first to have specifically investigated wearable payments in the State of Kuwait; therefore, enriching Kuwaiti context literature. Findings: This study empirically demonstrated that behavioral intention to adopt wearable payments is mainly predicted by attractiveness of alternatives, perceived usefulness, perceived ease of use, perceived security and trust, while the role of perceived cost was found to be insignificant. Recommendations for Practitioners: This study draws attention to the importance of cognitive factors, such as perceived usefulness and ease of use, in inducing users’ behavioral intention to adopt wearable payments. As such, in the case of perceived usefulness, smart wearable devices manufacturers and banks enhance the functionalities and features of these devices, expand on the financial services provided through them, and maintain the availability, performance, effectiveness, and efficiency of these tools. In relation to ease of use, smart wearable devices should be designed with an easy to use, high quality and customizable user interface. The findings of this study demonstrated the influence of trust and perceived security in motivating users to adopt wearable payments, Hence, banks are advised to focus on a relationship based on trust, especially during the early stages of acceptance and adoption of wearable payments. Recommendation for Researchers: The current study validated the role of attractiveness of alternatives, which was never examined in the context of wearable payments. This, in turn, provides a new dimension about a determinant factor considered by customers in predicting their behavioral intention to adopt wearable payments. Impact on Society: This study could be used in other countries to compare and verify the results. Additionally, the research model of this study could also be used to investigate other m-payments methods, such as m-wallets and P2P payments. Future Research: Future studies should investigate the proposed model in a cross-country and cross-cultural perspective with additional economic, environmental, and technological factors. Also, future research may conduct a longitudinal study to explain how temporal changes and usage experience affect users’ behavioral intentions to adopt wearable payments. Finally, while this study included both influencing factors and inhibiting factors, other factors such as social influence, perceived compatibility, personal innovativeness, mobility, and customization could be considered in future research.




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The Roles of Knowledge Management and Cooperation in Determining Company Innovation Capability: A Literature Review

Aim/Purpose: The aim of this study is to develop a research model derived from relevant literature to guide empirical efforts. Background: Companies struggle to innovate, which is essential for improving their performance, surviving in competition, and growing. A number of studies have discussed company innovation capability, stating that innovation capability is influenced by several variables such as cooperation and knowledge management. Therefore, further research is necessary to identify factors playing a role in enhancing innovation capability. Methodology: This study is based on systematic literature review. The stages are: (1) research scope review, (2) comprehensive online research, (3) journal quality assessment, (4) data extraction from journals, (5) journal synthesis, and (6) comprehensive report. The online research used Google Scholar database, by browsing titles, abstracts, and keywords to locate empirical research studies in peer-reviewed journals published in 2010-2020. Furthermore, 62 related articles were found, of which 38 articles were excluded from further analysis and 24 articles were selected because they were more related to the topic. Contribution: The results of this study enrich the research in the field of knowledge management, cooperation, and innovation capability by developing a conceptual framework of innovation capability. The proposed theoretical model may be fundamental in addressing the need of a research model to guide further empirical efforts. Findings: This study provides a research model derived from systematically reviewing relevant literature. The proposed theoretical model was done by incorporating the aspects of knowledge management, cooperation, and innovation capability. The model shows that knowledge management and cooperation are essential aspects of innovation capability. Furthermore, this study also provides the dimensions and sub dimensions of each variable that was established after synthesizing the literature review. Recommendations for Practitioners: Business practitioners can use the identified predictors of innovation capability and the dimensions of each variable to explore their company’s innovation capability. They can also take the relevant variables into consideration when making policies regarding innovation. Recommendation for Researchers: The theoretical model proposed in this study needs validation with further empirical investigation. Impact on Society: Readers of this paper can obtain an understanding that knowledge management and cooperation are essential aspects to consider in enhancing innovation capability. Future Research: Future studies should explore other dimensions of knowledge management and cooperation through alternative approaches and perspectives.




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Challenges in Contact Tracing by Mining Mobile Phone Location Data for COVID-19: Implications for Public Governance in South Africa

Aim/Purpose: The paper’s objective is to examine the challenges of using the mobile phone to mine location data for effective contact tracing of symptomatic, pre-symptomatic, and asymptomatic individuals and the implications of this technology for public health governance. Background: The COVID-19 crisis has created an unprecedented need for contact tracing across South Africa, requiring thousands of people to be traced and their details captured in government health databases as part of public health efforts aimed at breaking the chains of transmission. Contact tracing for COVID-19 requires the identification of persons who may have been exposed to the virus and following them up daily for 14 days from the last point of exposure. Mining mobile phone location data can play a critical role in locating people from the time they were identified as contacts to the time they access medical assistance. In this case, it aids data flow to various databases designated for COVID-19 work. Methodology: The researchers conducted a review of the available literature on this subject drawing from academic articles published in peer-reviewed journals, research reports, and other relevant national and international government documents reporting on public health and COVID-19. Document analysis was used as the primary research method, drawing on the case studies. Contribution: Contact tracing remains a critical strategy in curbing the deadly COVID-19 pandemic in South Africa and elsewhere in the world. However, given increasing concern regarding its invasive nature and possible infringement of individual liberties, it is imperative to interrogate the challenges related to its implementation to ensure a balance with public governance. The research findings can thus be used to inform policies and practices associated with contact tracing in South Africa. Findings: The study found that contact tracing using mobile phone location data mining can be used to enforce quarantine measures such as lockdowns aimed at mitigating a public health emergency such as COVID-19. However, the use of technology can expose the public to criminal activities by exposing their locations. From a public governance point of view, any exposure of the public to social ills is highly undesirable. Recommendations for Practitioners: In using contact tracing apps to provide pertinent data location caution needs to be exercised to ensure that sensitive private information is not made public to the extent that it compromises citizens’ safety and security. The study recommends the development and implementation of data use protocols to support the use of this technology, in order to mitigate against infringement of individual privacy and other civil liberties. Recommendation for Researchers: Researchers should explore ways of improving digital applications in order to improve the acceptability of the use of contact tracing technology to manage pandemics such as COVID-19, paying attention to ethical considerations. Impact on Society: Since contact tracing has implications for privacy and confidentiality it must be conducted with caution. This research highlights the challenges that the authorities must address to ensure that the right to privacy and confidentiality is upheld. Future Research: Future research could focus on collecting primary data to provide insight on contact tracing through mining mobile phone location data. Research could also be conducted on how app-based technology can enhance the effectiveness of contact tracing in order to optimize testing and tracing coverage. This has the potential to minimize transmission whilst also minimizing tracing delays. Moreover, it is important to develop contact tracing apps that are universally inter-operable and privacy-preserving.




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An Augmented Infocommunication Model for Unified Communications in Situational Contexts of Collaboration

Aim/Purpose: In this work, the authors propose an augmented model for human-centered Unified Communications & Collaboration (UC&C) product design and evaluation, which is supported by previous theoretical work. Background: Although the goal of implementing UC&C in an organization is to promote and mediate group dynamics, increasing overall productivity and collaboration; it does not seem to provide a solution for effective communication. It is clear that there is still a lack of consideration for human communication processes in the development of such products. Methodology: This paper is sustained by existing research to propose and test the application of an augmented model capable of supporting the design, development and evaluation of UC&C services that can be driven by the human communication process. To test the application of the augmented model in UC&C service development, a proof-of-concept mobile prototype was elaborated upon and evaluated, making use of User Experience (UX) and user-centred methods and techniques. A total of nine testing sessions were carried out in an organizational communication setup and recorded with eye tracking technology. Contribution: The authors argue that UC&C services should look at the user’s (human) natural processes to improve effective infocommunication and thus enhance collaboration. Authors believe this augmented version of the model will pave the way improving the research and development of useful and practical infocommunication products, capable of truly serving users’ needs. Findings: On evaluation of the prototype, qualitative data analysis uncovered structural problems in the proposed prototype which hindered the augmented model’s elements and subsequently, the user experience. Five out of eighteen identified interaction issues are highlighted in this paper to demonstrate the proposed augmented model’s validity, applied in UC&C services evaluation. Recommendations for Practitioners: Considering and respecting the user’s natural communication processes, practitioners should be able to propose and develop innovative solutions that truly enable and empower effective organizational collaboration. UC&C functionalities should be designed, taking the augmented model’s proposed elements and their pertinence in representing the human interpersonal communication phenomena into consideration, namely: Social Presence; Immediacy of Communication; Concurrency and Synchronicity. Recommendation for Researchers: This paper intends to demonstrate that the adoption and use of UTAUT technology characteristics, in conjunction with Synchronicity proposition, can be considered as a reference for human-centric design and the evaluation of UC&C systems. Impact on Society: To highlight the need to develop further research on this important topic of human collaboration mediated by technology inside organizations. Future Research: This research focused its attention on communication functionalities. However, collaboration can potentially be affected by other services that may be included in a UC&C system, such as scheduling, meetings or task management. Future research could consider employing this augmented model to evaluate such systems or proof-of-concept prototypes.




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The View of IT-Consuming Firms on the Key Digital Service Capabilities of IT-Producing Firms

Aim/Purpose: This study focuses on the connection between IT-producing firms’ digital service capabilities and the digital service performance of IT-consuming firms, especially online shop operators. Background: The acquisition and integration of knowledge regarding digital service capabilities and performance can increase the level at which employees assimilate information, organize with IT-consuming firms, and cooperate with them to develop the delivery of services and customize services to fill their needs. Exploring capabilities that may enable this process is a prerequisite for all businesses offering digital services and, thus, an engrossing and ongoing interest of practitioners and scholars. However, there is a lack of research on the relationship between IT-producing firms’ digital service capabilities and the digital service performance of IT-consuming firms in the business-to-business (B2B) context. Methodology: The study builds on a survey conducted among small firms that have an online shop in use and are located in Finland. Contribution: The study offers empirical evidence for the capabilities valued by IT-consuming firms, providing a model for IT-producing firms to use when deciding on a future focus. The study was executed in a B2B setting from the viewpoint of online shop operators, presenting a novel understanding of influential digital service capabilities. Findings: Adaptability, determined by capabilities related to utilizing information gained via the integration of a digital product into other digital tools (e.g., marketing, personalization, and analytics), statistically significantly affects all three aspects of an IT-consuming firm’s digital service performance (financial, operational, and sales). Another product capability, availability, which includes aspects such as security, different aspects of functioning, and mobile adaptation, affects one aspect of digital performance, namely operational. The results also suggest that the role of service process-related capabilities in determining service comprehensiveness significantly influences two aspects of IT-consuming firms’ digital service performance: financial (negative effect) and operational (positive effect). The results show that the capabilities associated with the relationship between the producing firm and the consuming firm do not affect IT-consuming firms’ performance to the same extent. Recommendations for Practitioners: The study results suggest that IT-producing firms should concentrate on leveraging service comprehensiveness, as there has been a shift in the B2B context from merely selling a digital product and associated services. It seems that usability-related issues are now taken for granted, and the emphasis is on features that support the use of information to create value. Recommendation for Researchers: The results contribute to the capabilities literature by showing that the shift in focus from technical product-related capabilities to relationship-related capabilities is not yet evident among small online store operators. Impact on Society: In addition to offering tools with different integration possibilities, supporting IT-consuming firms in making the most of the possibilities would be very helpful. Future Research: The comprehension of the relationship between digital service capabilities and digital service performance would benefit from future research that takes into account additional control variables. The theoretical model of this study can be further studied by using other performance measures, such as market performance, as dependent variables.




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A Framework for Ranking Critical Success Factors of Business Intelligence Based on Enterprise Architecture and Maturity Model

Aim/Purpose: The aim of this study is to identify Critical Success Factors (CSF) of Business Intelligence (BI) and provide a framework to classify CSF into layers or perspectives using an enterprise architecture approach, then rank CSF within each perspective and evaluate the importance of each perspective at different BI maturity levels as well. Background: Although the implementation of the BI project has a significant impact on creating analytical and competitive capabilities, the lack of evaluation of CSF holistically is still a challenge. Moreover, the BI maturity level of the organization has not been considered in the BI implementation project. Identifying BI critical success factors and their importance can help the project team to move to a higher maturity level in the organization. Methodology: First, a list of distinct CSF is identified through a literature review. Second, a framework is provided for categorizing these CSF using enterprise architecture. Interviewing is the research method used to evaluate the importance of CSF and framework layers with two questionnaires among experts. The first questionnaire was done by Analytical Hierarchy Process (AHP), a quantitative method of decision-making to calculate the weight of the CSF according to the importance of CSF in each of the framework layers. The second one was conducted to evaluate framework layers at different BI maturity levels using a Likert scale. Contribution: This paper contributes to the implementation of BI projects by identifying a comprehensive list of CSF in the form of a holistic multi-layered framework and ranking the importance of CSF and layers at BI maturity levels. Findings: The most important CSF in BI implementation projects include senior management support, process identification, data quality, analytics quality, hardware quality, security standards, scope management, documentation, project team skills, and customer needs transformation, which received the highest scores in framework layers. In addition, it was observed that as the organization moves to higher levels of maturity, the average importance of strategic business and security perspectives or layers increases. But the average importance of data, applications, infrastructure, and network, the project management layers in the proposed framework is the same regardless of the level of business intelligence maturity. Recommendations for Practitioners: The results of this paper can be used by academicians and practitioners to improve BI project implementation through understanding a comprehensive list of CSF and their importance. This awareness causes us to focus on the most important CSF and have better planning to reach higher levels of maturity according to the maturity level of the organization. Future Research: For future research, the interaction of critical success factors of business intelligence and framework layers can be examined with different methods.




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Predicting Key Predictors of Project Desertion in Blockchain: Experts’ Verification Using One-Sample T-Test

Aim/Purpose: The aim of this study was to identify the critical predictors affecting project desertion in Blockchain projects. Background: Blockchain is one of the innovations that disrupt a broad range of industries and has attracted the interest of software developers. However, despite being an open-source software (OSS) project, the maintenance of the project ultimately relies on small core developers, and it is still uncertain whether the technology will continue to attract a sufficient number of developers. Methodology: The study utilized a systematic literature review (SLR) and an expert review method. The SLR identified 21 primary studies related to project desertion published in Scopus databases from the year 2010 to 2020. Then, Blockchain experts were asked to rank the importance of the identified predictors of project desertion in Blockchain. Contribution: A theoretical framework was constructed based on Social Cognitive Theory (SCT) constructs; personal, behavior, and environmental predictors and related theories. Findings: The findings indicate that the 12 predictors affecting Blockchain project desertion identified through SLR were important and significant. Recommendations for Practitioners: The framework proposed in this paper can be used by the Blockchain development community as a basis to identify developers who might have the tendency to abandon a Blockchain project. Recommendation for Researchers: The results show that some predictors, such as code testing tasks, contributed code decoupling, system integration and expert heterogeneity that are not covered in the existing developer turnover models can be integrated into future research efforts. Impact on Society: This study highlights how an individual’s design choices could determine the success or failure of IS projects. It could direct Blockchain crypto-currency investors and cyber-security managers to pay attention to the developer’s behavior while ensuring secure investments, especially for crypto-currencies projects. Future Research: Future research may employ additional methods, such as a meta-analysis, to provide a comprehensive picture of the main predictors that can predict project desertion in Blockchain.




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The Relationship Between Critical Success Factors, Perceived Benefits, and Usage Intention of Mobile Knowledge Management Systems in the Malaysian Semiconductor Industry

Aim/Purpose: This study examined the relationship between critical success factors (CSFs), perceived benefits, and usage intention of Mobile Knowledge Management Systems (MKMS) via an integrated Technology Acceptance Model (TAM) and Information Systems Success Model (ISSM). Background: This study investigates the CSFs (i.e., Strategic Leadership, Employee Training, System Quality, and Information Quality) that impact the usage intention of KMS in mobile contexts which have been neglected. Since users normally consider the usefulness belief in a system before usage, this study examines the role of perceived benefits as a mediator between the CSFs and usage intention. Methodology: A survey-based research approach in the Malaysian semiconductor industry was employed via an integrated model of TAM and ISSM. At a response rate of 59.52%, the findings of this study were based on 375 usable responses. The data collected was analyzed using the Partial Least Squares with SmartPLS 3.0. Contribution: This study contributes to the body of knowledge in the areas of mobile technology acceptance and knowledge management. Specifically, it helps to validate the integrated model of TAM and ISSM with the CSFs from knowledge management and information system. In addition, it provides the would-be adopters of MKMS with valuable guidelines and insights to consider before embarking on the adoption stage. Findings: The findings suggest that Employee Training and Information Quality have a positive significant relationship with Perceived MKMS Benefits. On the contrary, Strategic Leadership, System Quality, and Perceived User-friendliness showed an insignificant relationship with Perceived MKMS Benefits. Additionally, Employee Training and Information Quality have an indirect relationship with MKMS Usage Intention which is mediated by Perceived MKMS Benefits. Recommendations for Practitioners: The findings are valuable for managers, engineers, KM practitioners, KM consultants, MKMS developers, and mobile device producers to enhance MKMS usage intention. Recommendation for Researchers: Researchers would be able to conduct more inter-disciplinary studies to better understand the relevant issues concerning both fields – knowledge management and mobile computing disciplines. Additionally, the mediation effect of TAM via Perceived Usefulness (i.e., perceived MKMS benefits) on usage intention of MKMS should be further investigated with other CSFs. Future Research: Future studies could perhaps include other critical factors from both KM and IS as part of the external variables. Furthermore, Perceived Ease of Use (i.e., Perceived User-friendly) should be tested as a mediator in the future, together with Perceived Usefulness (i.e., perceived MKMS Benefits) to compare which would be a more powerful predictor of usage intention. Moreover, it may prove interesting to find out how the research framework would fit into other industries to verify the findings of this study for better accuracy and generalizability.




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The Influence of Crisis Management, Risk-Taking, and Innovation in Sustainability Practices: Empirical Evidence From Iraq

Aim/Purpose: This study examines the impact of decision-making, crisis management, and decision-making on sustainability through the mediation of open innovation in the energy sector. Background: Public companies study high-performance practices, requiring overcoming basic obstacles such as financial crises that prevent the adoption and development of sustainability programs. Methodology: Due to the COVID-19 pandemic, which has led to the closure of businesses in Iraq, a survey was distributed. To facilitate responses, free consultations were offered to help complete the questionnaire quickly. Of the 435 questionnaires answered, 397 were used for further analysis. Contribution: The impact of crises that impede the energy sector from adopting sustainable environmental regulations is investigated in this study. Its identification of specific constraints to open innovation leads to the effectiveness of adopting environmentally friendly policies and reaching high levels of sustainable performance. Findings: The impacts of risk-taking, crisis management, and decision-making on sustainability have been explored. Results show that open innovation fully mediates the relationship between the factors of risk-taking, crisis management, decision-making, and sustainability. Recommendations for Practitioners: The proposed model can be used by practitioners to develop and improve sustainable innovation practices and achieve superior performance. Recommendation for Researchers: Researchers are recommended to conduct in-depth studies of the phenomenon based on theoretical and empirical foundations, especially in light of the relationship between crisis management, decision-making, and risk-taking and their impact on sustainability based on linear and non-compensatory relationships. Impact on Society: This study provides a reference for organizations with similar cultural backgrounds in adopting sustainable practices to minimize pollution in the Iraqi context. Future Research: A more in-depth study can be performed using a larger sample, which not only includes the energy industry but also other industries.




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Determinants of Online Behavior Among Jordanian Consumers: An Empirical Study of OpenSooq

Aim/Purpose: This study identifies the elements that influence intentions to purchase from the most popular Arabic online classifieds platform, OpenSooq.com. Background: Online purchasing has become popular among consumers in the past two decades, with perceived risk and trust playing key roles in consumers’ intention to purchase online. Methodology: A questionnaire survey was conducted of Internet users from three Jordanian districts to investigate how they used the OpenSooq platform in their e-commerce activities. In total, 202 usable responses were collected, and the data were analyzed with PLS-SEM for hypothesis testing and model validation. Contribution: Though online trading is increasingly popular, the factors that impact the behavior of consumers when purchasing high-value products have not been adequately investigated. Therefore, this study examined the factors affecting perceived risk, and the potential impact of privacy concerns on the perceived risk of online smartphone buyers. The study framework can help explore online behavior in various situations to ascertain similarities and differences and probe other aspects of online buying. Findings: Perceived risk negatively correlates with online purchasing behavior and trust. However, privacy concern and perceived risk, transaction security and trust, and trust and online purchasing behavior exhibited positive correlations. Recommendations for Practitioners: Customers can complete and retain online purchases in a range of settings illuminated in this study’s methods and procedures. Moreover, businesses can manage their IT arrangements to make Internet shopping more convenient and build processes for online shopping that allow for engagement, training, and ease of use, thus improving their customers’ online purchasing behavior. Recommendation for Researchers: Given the insight into the understanding and integration of variables including perceived risk, privacy issues, trust, transaction security, and online purchasing behavior, academics can build on the groundwork of this research paradigm to investigate underdeveloped countries, particularly Jordan, further. Impact on Society: Understanding the characteristics that influence online purchasing behavior can help countries realize the full potential of online shopping, particularly the benefits of safe, fast, and low-cost financial transactions without the need for an intermediary. Future Research: Future research can examine the link between online purchase intent, perceived risk, privacy concerns, trust, and transaction security to see if the findings of this study in Jordan can be applied to a broader context in other countries.




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Human Resource Management and Humanitarian Operations Performance: A Case Study of Humanitarian Organizations in Malaysia

Aim/Purpose: This research aims to analyze the effect of human resource management on humanitarian operations performance, using humanitarian organizations in Malaysia as a case. Background: Humanitarian organizations need to develop and continue effective on-the-job human resource management, such as training and development and managing employee performance to enhance the performance of their humanitarian operations. Methodology: The sampling technique that was conducted is probability sampling. In particular, the technique is called stratified sampling. This technique is chosen because it is involving the division of a population into a smaller group, called “strata”. The questionnaire survey was distributed to humanitarian organizations in Malaysia to collect research data, and PLS-SEM analysis was conducted to validate the conceptual model. Contribution: This research focuses on the effect of human resource management on humanitarian operations performance in humanitarian organizations with consistent training to ensure successful humanitarian operations. Findings: The results of PLS-SEM analysis confirmed that Training and Employee Development, Recruitment and Employee Selection, and Communicative Management Style are significantly correlated with humanitarian operations performance, giving 75.7% variations which means that these human resource management are critical factors for increasing humanitarian operations performance in Malaysian humanitarian organizations. Recommendations for Practitioners: This research will enhance humanitarian operations performance for humanitarian organizations, in-line policies outlined under the Malaysia National Security Council Directive No. 20, and benefit the field of disaster management. Recommendation for Researchers: This research can be used by the authorized individual involved in humanitarian operations to satisfy the needs of the victims, which ultimately contributes to the performance of these humanitarian organizations. Impact on Society: This research highlighted the human resource management that is vital for humanitarian organizations, which will increase humanitarian operations performance in an organization. Future Research: This study is conducted in the context of humanitarian organizations in Malaysia. It is unclear whether the key findings of this study can be generalized. Therefore, it is suggested that, in future research, the current research model should be extended to include different countries for validation.




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BITCOIN: An Exploratory Study Investigating Adoption in South Africa

Aim/Purpose: This paper identified and explored the factors influencing Bitcoin adoption and use in South Africa. Background: Since its introduction in 2008, the value and popularity of Bitcoin has risen exponentially. Captivating the eyes of the world, from regulators to economists, Bitcoin promises to revolutionize the digital currency space. Despite being over 10 years old, the concept of cryptocurrency is fairly new in South Africa, a developing country. South African’s interest in Bitcoin continues to grow with the country constantly ranking within the top 10 in online searches for “Bitcoin” and “cryptocurrency” on Google. The primary objective of this research was to identify adoption factors amongst South African citizens, an area that has not received much research focus in the past. In addition to this, the study aimed to identify how Bitcoin is primarily used in South Africa. Methodology: A survey-based questionnaire was utilized to obtain responses from adopters of Bitcoin in South Africa. The quantitative survey was completed by 204 respondents. Contribution: This research contributes to the body of knowledge relating to Bitcoin adoption, specifically from a developing country. Adoption factors are identified that can be utilized by businesses that intend to adopt cryptocurrency, to strategically prepare for the potential risks or opportunities brought about by Bitcoin and cryptocurrency in general. Findings: The findings of this study indicate that while perceived usefulness, perceived ease of use, subjective norms, and facilitating conditions positively influence intention to adopt Bitcoin, trust was the only construct that is statistically significant and hence is the greatest driver of adoption in South Africa. In terms of its primary use in South Africa, the study revealed that Bitcoin is used as a speculative instrument for short-term trading in South Africa followed by being used as a long-term investment in the crypto-asset class. No respondent indicated that they utilize Bitcoin as a payment method in South Africa. Recommendations for Practitioners: When developing crypto-based investment products, custodians of assets must ensure that a minimum-security protocol is followed to safeguard these assets. This will enhance the trust that potential investors and customers have in their systems and products. Recommendation for Researchers: This study focused on adoption factors for South African citizens. Future studies should be conducted to identify adoption factors by businesses in South Africa. Impact on Society: Bitcoin offers an alternate trading instrument and investment option, with the possibility of large gains over a relatively short period. Bitcoin also presents the possibility of cross-border transactions at a significantly lower cost compared to traditional cross-border transfers of funds. Future Research: Studies should be conducted to explore the factors influencing the adoption of altcoins to determine if the technological differences influence the adoption of one currency over the other. Research should also be conducted comparing the taxation of cryptocurrency in various countries around the world.




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The International Case for Micro-Credentials for Life-Wide And Life-Long Learning: A Systematic Literature Review

Aim/Purpose: Systematic literature reviews seek to locate all studies that contain material of relevance to a research question and to synthesize the relevant outcomes of those studies. The primary aim of this paper was to synthesize both research and practice reports on micro-credentials (MCRs). Background: There has been an increase in reports and research on the plausibility of MCRs to support dynamic human skills development for an increasingly impatient and rapidly changing digital world. The integration of fast-paced emerging technologies and digitalization necessitate alternative learning paradigms. MCRs offer time, financial, and space flexibility and can be stacked into a larger qualification, thereby allowing for a broader range of transdisciplinary competencies within a qualification. However, MCRs often lack the academic rigor required for accreditation within existing disciplines. Methodology: The study followed the PRISMA framework (Preferred Reporting Items for Systematic Reviews and Meta Analyses), which offers a rigorous method to enhance reporting quality. The study used both academic research and practice reports. Contribution: The paper makes a theoretical contribution to the discourse about the need for innovation within existing educational paradigms for continued relevance in a changing world. It also contributes to the debate on the role of MCRs in bridging the gap between practice and academia despite the growing difference between their interests, and the role that MCRs play in the social-economic plans of countries. Findings: The key findings are that investments in MCRs are mainly in the Science, Technology, Engineering and Mathematics (STEM) and Education sectors, and have taken place mainly in high-income countries and regions – contexts that particularly value practice-accredited MCRs. Low-income countries, by contrast, remain traditional and insist on MCRs that are formally accredited by a recognized academic institution. This contributes to a widening skills gap between low- and high-income countries or regions, which results in greater global disparities. There is also a growing divide between academia and practice concerning their interest in MCRs (a reflection of the rigor versus relevance debate), which partially explains why many global and larger organizations have gone on to create their own learning institutions. Recommendations for Practitioners: We recommend that educational mechanisms consider the critical importance of MCRs as part of innovative efforts for life-wide (different sectors) and life-long (same sector) learning, especially in low-income countries. MCRs provide dynamic mechanisms to fill skills gaps in an increasing ruthless international battle for talent. Recommendation for Researchers: We recommend focused research into skills and career pathways using MCRs while at the same time remaining responsive to transdisciplinary efforts and sensitive to global and local changes within any sector. Impact on Society: Work and society have transformed over time, and more so in the new digital age, yet academia has been slow in adapting to the changes, forcing organizations to create their own learning institutions or to use MCRs to fill the skills gap. The purpose of education goes beyond preparing individuals for work, extending further to creating an environment where individuals and governments seek their own social and economic outcomes. MCRs provide a flexible means for co-creation between individuals, education, organizations, and government that could stem global rising unemployment, social exclusion, and redundancy. Future Research: Future research should focus on the co-creation of MCRs between practitioners and academia.




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NOTICE OF RETRACTION: The Influence of Ethical and Transformational Leadership on Employee Creativity in Malaysia's Private Higher Education Institutions: The Mediating Role of Organizational Citizenship Behaviour

Aim/Purpose: ************************************************************************ After its investigation, the Research Ethics, Integrity, and Governance team at RMIT University found that the primary author of this paper breached the Australian Code and/or RMIT Policy and requested that the article be retracted. ************************************************************************** This paper aimed to examine the influence of ethical and transformational leadership on employee creativity in Malaysia’s private higher education institutions (PHEIs) and the mediating role of organizational citizenship behavior. Background: To ensure their survival and success in today’s market, organizations need people who are creative and driven. Previous studies have demonstrated the importance of ethical leadership in fostering employee innovation and good corporate responsibility. Research on ethical leadership and transformational leadership, in particular, has played a significant role in elucidating the role of leadership in relation to organizational citizenship behavior (OCB). In this study, we have focused on ethical and transformational leadership as an antecedent for enhancing employee creativity. Despite an increase in leadership research, little is known about the underlying mechanisms that link ethical leadership and transformational leadership to OCB. Because it sheds light on factors other than ethical leadership and transformational leadership that influence employees’ extra-role activity, this research is relevant theoretically. OCB may have a mediating function between ethical leadership and transformational leadership style and employee creativity because it is associated with the greatest outcomes, but empirical research has yet to prove this. So, one of the study’s goals is to add to the hypotheses about how ethical leadership style and transformational leadership affect employee creativity by using an important mediating variable – OCB. Methodology: This study adopted a quantitative approach based on a cross-sectional survey and descriptive design to gather the data in a specific period. A convenient sampling approach was used to gauge 275 employees from Malaysia’s PHEIs. To test the hypotheses and obtain a conclusion, the acquired data was analyzed using the partial least square technique (PLS-SEM). Contribution: The study contributes to leadership literature by advancing OCB as a mediating factor that accounts for the link between ethical and transformational leadership and employee creativity in the higher education sector. Findings: According to the research, OCB has a substantial influence on the creativity of employees. Furthermore, ethical leadership boosted OCB and boosted employee creativity, according to the research. OCB and employee creativity have both been demonstrated to benefit greatly from transformational leadership. Further research revealed that OCB is a mediating factor in the link between leadership styles and creative thinking among employees. Recommendations for Practitioners: Higher education institutions should focus on developing leaders who value transparency and self-awareness in their interactions with followers and who demonstrate an inner moral perspective in addition to balanced information processing to ensure positive outcomes at the individual and organizational levels. Higher education institutions should place a priority on hiring leaders that exhibit ethical and transformational traits to raise awareness of these leadership styles among employees. Recommendation for Researchers: The new study also adds significantly to the body of knowledge by examining the relationship between ethical and transformational leadership and the creativity of the workforce. It aimed to identify the relationship between transformational leadership style and individual creativity in higher education by examining the mediating influence of OCB. Impact on Society: Higher education institutions should devise strategies for developing ethical and transformative leaders who will assist boost OCB and creativity within their workforce. Students and faculty in higher education can benefit from these leadership methods by learning to think in more diverse ways and by developing thought processes that lead to a larger pool of innovative ideas and solutions. As a consequence, employees who show creative behavior may be effectively managed by leaders who utilize ethical and transformational leadership styles and motivate them to show OCB that allow them to solve creative problems creatively. Future Research: A mixed-methods approach should be used in future research, and this should be done in public institutions in developing and developed nations to put the findings to use and generalize them even further. Future research will be able to examine other mediators to learn more about how and why ethical and transformational leadership styles affect PHEI employees’ creativity.




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Epidemic Intelligence Models in Air Traffic Networks for Understanding the Dynamics in Disease Spread - A Case Study

Aim/Purpose: The understanding of disease spread dynamics in the context of air travel is crucial for effective disease detection and epidemic intelligence. The Susceptible-Exposed-Infectious-Recovered-Hospitalized-Critical-Deaths (SEIR-HCD) model proposed in this research work is identified as a valuable tool for capturing the complex dynamics of disease transmission, healthcare demands, and mortality rates during epidemics. Background: The spread of viral diseases is a major problem for public health services all over the world. Understanding how diseases spread is important in order to take the right steps to stop them. In epidemiology, the SIS, SIR, and SEIR models have been used to mimic and study how diseases spread in groups of people. Methodology: This research focuses on the integration of air traffic network data into the SEIR-HCD model to enhance the understanding of disease spread in air travel settings. By incorporating air traffic data, the model considers the role of travel patterns and connectivity in disease dissemination, enabling the identification of high-risk routes, airports, and regions. Contribution: This research contributes to the field of epidemiology by enhancing our understanding of disease spread dynamics through the application of the SIS, SIR, and SEIR-HCD models. The findings provide insights into the factors influencing disease transmission, allowing for the development of effective strategies for disease control and prevention. Findings: The interplay between local outbreaks and global disease dissemination through air travel is empirically explored. The model can be further used for the evaluation of the effectiveness of surveillance and early detection measures at airports and transportation hubs. The proposed research contributes to proactive and evidence-based strategies for disease prevention and control, offering insights into the impact of air travel on disease transmission and supporting public health interventions in air traffic networks. Recommendations for Practitioners: Government intervention can be studied during difficult times which plays as a moderating variable that can enhance or hinder the efficacy of epidemic intelligence efforts within air traffic networks. Expert collaboration from various fields, including epidemiology, aviation, data science, and public health with an interdisciplinary approach can provide a more comprehensive understanding of the disease spread dynamics in air traffic networks. Recommendation for Researchers: Researchers can collaborate with international health organizations and authorities to share their research findings and contribute to a global understanding of disease spread in air traffic networks. Impact on Society: This research has significant implications for society. By providing a deeper understanding of disease spread dynamics, it enables policymakers, public health officials, and practitioners to make informed decisions to mitigate disease outbreaks. The recommendations derived from this research can aid in the development of effective strategies to control and prevent the spread of infectious diseases, ultimately leading to improved public health outcomes and reduced societal disruptions. Future Research: Practitioners of the research can contribute more effectively to disease outbreaks within the context of air traffic networks, ultimately helping to protect public health and global travel. By considering air traffic patterns, the SEIR-HCD model contributes to more accurate modeling and prediction of disease outbreaks, aiding in the development of proactive and evidence-based strategies to manage and mitigate the impact of infectious diseases in the context of air travel.




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Investigating Factors Affecting the Intention to Use Mobile Health from a Holistic Perspective: The Case of Small Cities in China

Aim/Purpose: This study aims to develop a comprehensive conceptual framework that incorporates personal characteristics, social context, and technological features as significant factors that influence the intention of small-city users in China to use mobile health. Background: Mobile health has become an integral part of China’s health management system innovation, the transformation of the health service model, and a necessary government measure for promoting health service parity. However, mobile health has not yet been widely adopted in small cities in China. Methodology: The study utilized a quantitative approach whereby web-based questionnaires were used to collect data from 319 potential users in China using China’s health management system. The data was analyzed using the PLS-SEM (the partial least squares-structural equation modeling) approach. Contribution: This study integrates the protection motivation theory (PMT), which compensates for the limitations of the unified theory of acceptance and use of technology theory (UTAUT) and is a re-examination of PMT and UTAUT in a small city context in China. Findings: The findings indicate that attitude and perceived vulnerability in the personal characteristic factors, social influence and facilitating conditions in the social context factors, and performance expectancy in the technological feature factors influence users’ intention to use mobile health in small cities in China. Recommendations for Practitioners: This study provides feasible recommendations for mobile health service providers, medical institutions, and government agencies based on the empirical results. Recommendation for Researchers: As for health behavior, researchers should fully explain the intention of mobile health use in terms of holism and health behavior theory. Impact on Society: This study aims to increase users’ intention to use mobile health in small cities in China and to maximize the social value of mobile health. Future Research: Future research should concentrate on the actual usage behavior of users and simultaneously conduct a series of longitudinal studies, including studies on continued usage behavior, abandonment behavior, and abandoned-and-used behavior.




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The Segmentation of Mobile Application Users in The Hotel Booking Journey

Aim/Purpose: This study aims to create customer segmentation who use Online Travel Agent (OTA) mobile applications in Indonesia throughout their hotel booking journey. Background: In the context of mobile hotel booking applications, research analyzing the customer experience at each customer journey stage is scarce. However, literature increasingly acknowledges the significance of this stage in comprehending customer behavior and revenue streams. Methodology: This study employs a mixed-method and exploratory approach by doing in-depth interviews with 20 participants and questionnaires from 207 participants. Interview data are analyzed using thematic analysis, while the questionnaires are analyzed using descriptive statistics. Contribution: This study enriches knowledge in understanding customer behavior that considers the usage of mobile apps as a segmentation criterion in the hotel booking journey. Findings: We developed four user personas (no sweat player, spotless seeker, social squad, and bargain hunter) that show customer segmentation based on the purpose, motivation, and actions in each journey stage (inspiration, consideration, reservation, and experience). Recommendations for Practitioners: The resulting customer segmentation enables hospitality firms to improve their current services by adapting to the needs of various segments and avoiding unanticipated customer pain points, such as incomplete information, price changes, no social proof, and limited payment options. Recommendation for Researchers: The quality and robustness of the customer segment produced in this study can be further tested based on the criteria of homogeneity, size, potential benefits, segment stability, segment accessibility, segment compatibility, and segment actionability. Impact on Society: This study has enriched the existing literature by establishing a correlation between user characteristics and how they use smartphones for tourism planning, focusing on hotel booking in mobile applications. Future Research: For future research, each customer segment’s demographic and behavioral factors can be explored further.




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How Information Security Management Systems Influence the Healthcare Professionals’ Security Behavior in a Public Hospital in Indonesia

Aim/Purpose: This study analyzes health professionals’ information security behavior (ISB) as health information system (HIS) users concerning associated information security controls and risks established in a public hospital. This work measures ISB using a complete measuring scale and explains the relevant influential factors from the perspectives of Protection Motivation Theory (PMT) and General Deterrence Theory (GDT) Background: Internal users are the primary source of security concerns in hospitals, with malware and social engineering becoming common attack vectors in the health industry. This study focuses on HIS user behavior in developing countries with limited information security policies and resources. Methodology: The research was carried out in three stages. First, a semi-structured interview was conducted with three hospital administrators in charge of HIS implementation to investigate information security controls and threats. Second, a survey of 144 HIS users to determine ISB based on hospital security risk. Third, a semi-structured interview was conducted with 11 HIS users to discuss the elements influencing behavior and current information security implementation. Contribution: This study contributes to ISB practices in hospitals. It discusses how HIS managers could build information security programs to enhance health professionals’ behavior by considering PMT and GDT elements. Findings: According to the findings of this study, the hospital has implemented particular information security management system (ISMS) controls based on international standards, but there is still room for improvement. Insiders are the most prevalent information security dangers discovered, with certain working practices requiring HIS users to disclose passwords with others. The top three most common ISBs HIS users practice include appropriately disposing of printouts, validating link sources, and using a password to unlock the device. Meanwhile, the top three least commonly seen ISBs include transferring sensitive information online, leaving a password in an unsupervised area, and revealing sensitive information via social media. Recommendations for Practitioners: Hospital managers should create work practices that align with information security requirements. HIS managers should provide incentives to improve workers’ perceptions of the benefit of robust information security measures. Recommendation for Researchers: This study suggests more research into the components that influence ISB utilizing diverse theoretical foundations such as Regulatory Focus Theory to compare preventive and promotion motivation to enhance ISB. Impact on Society: This study can potentially improve information security in the healthcare industry, which has substantial risks to human life but still lags behind other vital sector implementations. Future Research: Future research could look into the best content and format for an information security education and training program to promote the behaviors of healthcare professionals that need to be improved based on this ISB measurement and other influential factors.




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The Implications of Knowledge-Based HRM Practices on Open Innovations for SMEs in the Manufacturing Sector

Aim/Purpose: The main aim of this study was to investigate the impact of knowledge-based Human Resources Management (HRM) practices on inbound and outbound open innovation in Jordanian small and medium enterprises (SMEs). Background: SMEs in Jordan lack tangible resources. This insufficiency can be remedied by using knowledge as a resource. According to the Knowledge-Based View (KBV) theory, which posits knowledge as the most valuable resource, SMEs can achieve open innovation by implementing knowledge-based HRM practices that enhance the utilization of knowledge and yield competitiveness. Methodology: This study adopted the quantitative method employing descriptive and exploratory approaches. A total of 500 Jordanian manufacturing SMEs were selected from 2,310 manufacturing SMEs registered lists, according to the Jordan Social Security, by using random sampling. The study’s instrument was a questionnaire that was applied to these SMEs. There were 335 responses that were deemed useful for analysis after filtering out the replies with missing values; this corresponded to a response rate of 67%. The paper utilized structural equation modeling and cross-sectional design to test hypotheses in the proposed research model. Contribution: This study advocates the assumption of the role of KBV in improving innovation practices. This study contributes to the existing strategic HRM research by extending the understanding of knowledge-based HRM practices in the context of SMEs. Thus, this study contributes to the understanding of innovation management by demonstrating the role of knowledge-based HRM practices in boosting inbound and outbound OI practices, thereby enhancing innovation as an essential component of firm competitiveness. Findings: The findings revealed the positive impact of four knowledge-based HRM practices on inbound and outbound open innovation in Jordanian manufacturing SMEs. These practices were knowledge-based recruitment and selection, knowledge-based training and development, knowledge-based compensation and reward, as well as knowledge-based performance assessment. Recommendations for Practitioners: This study is expected to help the stakeholders of SMEs to re-shape the traditional HRM practices into knowledge-based practices which improve managerial skills, innovation practices, and the level of the firm’s competitiveness. Recommendation for Researchers: This study serves as a significant contribution to the research field of innovation practices by building a new association between knowledge-based HRM practices and inbound and outbound open innovation. Impact on Society: The study emphasizes the vital role of knowledge-based HRM practices in enhancing the knowledge and social skills of the human capital in SMEs in Jordan, thus improving the country’s social and economic development. Future Research: Future research could build on this study to include service SMEs. It could also employ a longitudinal study over the long run which would allow for a deeper analysis of the relationships of causality, offering a more comprehensive view of the effect of knowledge-based HRM on open innovation. Furthermore, future research could examine the sample of investigation before and after implementing the knowledge-based HRM practices to provide stronger evidence of their influence on inbound and outbound innovation.




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The Perspectives of University Academics on Their Intention to Purchase Green Smartphones in Sri Lanka

Aim/Purpose: Most people use their phones for work and communication. Businesses today require sustainable mobile phones to limit the environmental impact of mobile phones. According to the Environmental Protection Agency (EPA), a green product uses less energy. Green smartphones need low radiation emission, are made from recyclable materials, and are designed to last longer than typical smartphones. Further, the manufacturing process needs to have a low environmental impact. The present study aims to identify the influence of variables (such as Green Awareness, Environmental Concern, Altruism, and Willingness to Pay) on green smartphone purchase intention among academics in the Sri Lankan higher education sector. Background: With the swift technological advances, almost everyone has begun to use smartphones. Simultaneously, smartphone manufacturers have begun to release cutting-edge smartphone models to the general public. As a result, it has generated a significant amount of e-waste for the environment. As a result, therefore, the sustainability of green smartphones has become a major societal concern in the developed world, but this is not yet true in the developing world Methodology: The study used a qualitative research method in which the authors attempted to acquire primary data by conducting in-depth interviews with academics from the Sri Lankan higher education sector using a semi-structured interview guide. Eight interviews were conducted, audio recorded, and word-to-word transcribed for content analysis. Researchers used content analysis to determine the presence, meanings, and linkages of specific words, themes, or concepts. Contribution: The findings provide important environmental insights for smartphone makers and society, such as introducing waste reduction programs and energy-saving practices and creating awareness among people to change their consumption patterns. The study will provide valuable insights into the green smartphone phone purchasing intentions of academics in a developing country, especially helping green smartphone producers and marketers construct effective tactics with the insight of the current study based on university faculty members’ viewpoints. Findings: The current study’s findings revealed that academics acknowledge the need for environmental protection with an awareness of the green concept and environmental concerns. According to the interviews, most participants intended to move from their present smartphone to an ecologically friendly phone, as they explained on altruism. This implies that even academics in underdeveloped countries are worried about environmental issues and have shown a more robust understanding of these issues and how environmentally aware individuals’ activities may assist the earth’s sustainability. Further, academics have a willingness to pay for a green smartphone. Recommendations for Practitioners: Academics prioritize environmental conservation when making purchases. This implies that manufacturers and enterprises should focus on developing and in- novating more environmentally friendly products. Recommendation for Researchers: Using only academics as a sample approach is severely limited if the study’s population comprises people with various qualities. Nevertheless, this study presented only four independent variables, and more factors impacting green smartphone purchasing intention may exist. As a result, it is proposed that future research consider other factors. Impact on Society: It was discovered that most participants displayed altruism in their product purchases, implying that policymakers must strengthen the moral practice of concern for the welfare and happiness of other humans, even in developing countries. Future Research: A further in-depth study focusing on many perspectives such as limits and motivations for purchasing green products in various socioeconomic groups with varying moderating factors such as gender, education, rural-urban, and so on would be advantageous. Individual (emotions, habits, perceived behavioral control, trust, values, personal norm, knowledge) and situational (availability, product attributes, subjective norm, brand, eco-labeling) variables should be included in future research.




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Analysis of the Scale Types and Measurement Units in Enterprise Architecture (EA) Measurement

Aim/Purpose: This study identifies the scale types and measurement units used in the measurement of enterprise architecture (EA) and analyzes the admissibility of the mathematical operations used. Background: The majority of measurement solutions proposed in the EA literature are based on researchers’ opinions and many with limited empirical validation and weak metrological properties. This means that the results generated by these solutions may not be reliable, trustworthy, or comparable, and may even lead to wrong investment decisions. While the literature proposes a number of EA measurement solutions, the designs of the mathematical operations used to measure EA have not yet been independently analyzed. It is imperative that the EA community works towards developing robust, reliable, and widely accepted measurement solutions. Only then can senior management make informed decisions about the allocation of resources for EA initiatives and ensure that their investment yields optimal results. Methodology: In previous research, we identified, through a systematic literature review, the EA measurement solutions proposed in the literature and classified them by EA entity types. In a subsequent study, we evaluated their metrology coverage from both a theoretical and empirical perspective. The metrology coverage was designed using a combination of the evaluation theory, best practices from the software measurement literature including the measurement context model, and representational theory of measurement to evaluate whether EA measurement solutions satisfy the metrology criteria. The research study reported here presents a more in-depth analysis of the mathematical operations within the proposed EA measurement solutions, and for each EA entity type, each mathematical operation used to measure EA was examined in terms of the scale types and measurement units of the inputs, their transformations through mathematical operations, the impact in terms of scale types, and measurement units of the proposed outputs. Contribution: This study adds to the body of knowledge on EA measurement by offering a metrology-based approach to analyze and design better EA measurement solutions that satisfy the validity of scale type transformations in mathematical operations and the use of explicit measurement units to allow measurement consistency for their usage in decision-making models. Findings: The findings from this study reveal that some important metrology and quantification issues have been overlooked in the design of EA measurement solutions proposed in the literature: a number of proposed EA mathematical operations produce numbers with unknown units and scale types, often the result of an aggregation of undetermined assumptions rather than explicit quantitative knowledge. The significance of such aggregation is uncertain, leading to numbers that have suffered information loss and lack clear meaning. It is also unclear if it is appropriate to add or multiply these numbers together. Such EA numbers are deemed to have low metrological quality and could potentially lead to incorrect decisions with serious and costly consequences. Recommendations for Practitioners: The results of the study provide valuable insights for professionals in the field of EA. Identifying the metrology limitations and weaknesses of existing EA measurement solutions may indicate, for instance, that practitioners should wait before using them until their design has been strengthened. In addition, practitioners can make informed choices and select solutions with a more robust metrology design. This, in turn, will benefit enterprise architects, software engineers, and other EA professionals in decision making, by enabling them to take into consideration factors more adequately such as cost, quality, risk, and value when assessing EA features. The study’s findings thus contribute to the development of more reliable and effective EA measurement solutions. Recommendation for Researchers: Researchers can use with greater confidence the EA measurement solutions with admissible mathematical operations and measurement units to develop new decision-making models. Other researchers can carry on research to address the weaknesses identified in this study and propose improved ones. Impact on Society: Developers, architects, and managers may be making inappropriate decisions based on seriously flawed EA measurement solutions proposed in the literature and providing undue confidence and a waste of resources when based on bad measurement design. Better quantitative tools will ultimately lead to better decision making in the EA domain, as in domains with a long history of rigor in the design of the measurement tools. Such advancements will benefit enterprise architects, software engineers, and other practitioners, by providing them with more meaningful measurements for informed decision making. Future Research: While the analysis described in this study has been explicitly applied to evaluating EA measurement solutions, researchers and practitioners in other domains can also examine measurement solutions proposed in their respective domains and design new ones.




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Investigating the Impact of Dual Network Embedding and Dual Entrepreneurial Bricolage on Knowledge-Creation Performance: An Empirical Study in Fujian, China

Aim/Purpose: This study investigates the relationship between dual network embedding, dual entrepreneurial bricolage, and knowledge-creation performance. Background: The importance of new ventures for innovation and economic growth has been fully endorsed. Establishing incubation organizations to help new startups overcome constraints and dilemmas has become the consensus of various countries. In particular, the number of Chinese makerspaces has rapidly increased. Startups in the makerspaces form a loosely coupled dual network to cooperate and share resources, especially knowledge. Methodology: By convenience sampling, 400 startups in the makerspaces in Fujian Province, China were selected for the questionnaire survey study. In total, 307 valid responses were collected, yielding a response rate of 76.8%. The survey data were analyzed for hypothesis testing, using the PL-SEM technique with the AMOS20.0 software. Contribution: At the theoretical level, this research supplements the exploration of the influencing factors of the entrepreneurial bricolage of startups at the network level. It deepens the research on the internal mechanism of the dual network embeddedness affecting the knowledge-creation performance. In practice, it provides a theoretical basis and management inspiration for startups in makerspaces to overcome the inherent disadvantage of being too small and weak to explore innovative paths. Findings: First, relational embedding of startups in makerspaces directly affects knowledge-creation performance. Second, dual entrepreneurial bricolage plays a mediating role in diversity. Selective entrepreneurial bricolage plays a partial mediating role between relationship embedding and knowledge-creation performance. Parallel entrepreneurial bricolage plays a complete intermediary role between structural embedding and knowledge-creation performance. Dual entrepreneurial bricolage plays a complete intermediary role between knowledge embedding and knowledge-creation performance. Recommendations for Practitioners: Enterprises in the makerspaces should make dynamic adjustments to the network embedded state and dual entrepreneurial bricolage to improve knowledge-creation performance. When startups conduct selective entrepreneurship bricolage, they should strengthen relational and knowledge embeddedness to improve their relationship strength and tacit knowledge acquisition. When startups conduct parallel entrepreneurship bricolage, structural and knowledge embedding should be strengthened to improve the position of enterprises in the network to acquire diversified knowledge to explore and discover new business opportunities and project resources. Recommendation for Researchers: The heterogeneity of industries and regions may impact the dual network embedding mechanism of startups. Researchers can choose a wider range of regions and industries for sampling. Impact on Society: This study provides a theoretical basis and management inspiration for startups to overcome the inherent disadvantage of being too small and weak to explore innovative paths. It provides a basis to support startups in unleashing innovation vitality and achieving healthy growth. Future Research: Previous studies have shown that network relationships and bricolage behavior have a certain relationship with the enterprise life cycle. Future research can adopt a longitudinal research design across time points, which will increase the explanatory power of research conclusions.




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Determinants of Radical and Incremental Innovation: The Roles of Human Resource Management Practices, Knowledge Sharing, and Market Turbulence

Aim/Purpose: Given the increasingly important role of knowledge and human resources for firms in developing and emerging countries to pursue innovation, this paper aims to study and explore the potential intermediating roles of knowledge donation and collection in linking high-involvement human resource management (HRM) practice and innovation capability. The paper also explores possible moderators of market turbulence in fostering the influences of knowledge-sharing (KS) behaviors on innovation competence in terms of incremental and radical innovation. Background: The fitness of HRM practice is critical for organizations to foster knowledge capital and internal resources for improving innovation and sustaining competitive advantage. Methodology: The study sample is 309 respondents and Structural Equation Model (SEM) was used for the analysis of the data obtained through a questionnaire survey with the aid of AMOS version 22. Contribution: This paper increases the understanding of the precursor role of high-involvement HRM practices, intermediating mechanism of KS activities, and the regulating influence of market turbulence in predicting and fostering innovation capability, thereby pushing forward the theory of HRM and innovation management. Findings: The empirical findings support the proposed hypotheses relating to the intermediating role of KS in the HRM practices-innovation relationship. It spotlights the crucial character of market turbulence in driving the domination of knowledge-sharing behaviors on incremental innovation. Recommendations for Practitioners: The proposed research model can be applied by leaders and directors to foster their organizational innovation competence. Recommendation for Researchers: Researchers are recommended to explore the influence of different models of HRM practices on innovation to identify the most effective pathway leading to innovation for firms in developing and emerging nations. Impact on Society: This paper provides valuable initiatives for firms in developing and emerging markets on how to leverage the strategic and internal resources of an organization for enhancing innovation. Future Research: Future studies should investigate the influence of HRM practices and knowledge resources to promote frugal innovation models for dealing with resource scarcity.




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Customer Churn Prediction in the Banking Sector Using Machine Learning-Based Classification Models

Aim/Purpose: Previous research has generally concentrated on identifying the variables that most significantly influence customer churn or has used customer segmentation to identify a subset of potential consumers, excluding its effects on forecast accuracy. Consequently, there are two primary research goals in this work. The initial goal was to examine the impact of customer segmentation on the accuracy of customer churn prediction in the banking sector using machine learning models. The second objective is to experiment, contrast, and assess which machine learning approaches are most effective in predicting customer churn. Background: This paper reviews the theoretical basis of customer churn, and customer segmentation, and suggests using supervised machine-learning techniques for customer attrition prediction. Methodology: In this study, we use different machine learning models such as k-means clustering to segment customers, k-nearest neighbors, logistic regression, decision tree, random forest, and support vector machine to apply to the dataset to predict customer churn. Contribution: The results demonstrate that the dataset performs well with the random forest model, with an accuracy of about 97%, and that, following customer segmentation, the mean accuracy of each model performed well, with logistic regression having the lowest accuracy (87.27%) and random forest having the best (97.25%). Findings: Customer segmentation does not have much impact on the precision of predictions. It is dependent on the dataset and the models we choose. Recommendations for Practitioners: The practitioners can apply the proposed solutions to build a predictive system or apply them in other fields such as education, tourism, marketing, and human resources. Recommendation for Researchers: The research paradigm is also applicable in other areas such as artificial intelligence, machine learning, and churn prediction. Impact on Society: Customer churn will cause the value flowing from customers to enterprises to decrease. If customer churn continues to occur, the enterprise will gradually lose its competitive advantage. Future Research: Build a real-time or near real-time application to provide close information to make good decisions. Furthermore, handle the imbalanced data using new techniques.




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Investigating the Adoption of Social Commerce: A Case Study of SMEs in Jordan

Aim/Purpose: Social commerce is an emergent topic widely used for product and service sourcing. It helps companies to have frequent interaction with their customers and strive to achieve a competitive advantage. Yet there is only little empirical evidence focusing on social commerce and its adoption in SMEs to date. This study investigates the key factors affecting social commerce adoption in SMEs. This research designed a theoretical model using the Technology, Organization, and Environment (TOE) Model Background: Despite its rapid growth and usage, social commerce is still in its evolution phase and its current conception is vague and restricted. Therefore, considering the benefits of social commerce for consumers and businesses, it is important to explore the concept of social commerce. Methodology: The research floated a self-administered questionnaire and surveyed 218 Jordanian SME businesses. The data was analyzed using smart PLS and the results were drawn that covers the detail of the characteristics of respondents, study descriptive, results of regressions assumptions, e.g., data normality, reliability, validity, common method biases, and description of the measurement model, followed by the findings of hypothesis analysis. Contribution: This study has many significant contributions to the existing studies on firms’ adoption of social commerce. It indicates that organizational readiness from the organizational perspective and consumer pressure from the environmental dimension of the TOE model are significant influential elements in the adoption of social commerce in business, followed by high-level management support and trading partner pressure, respectively. This shows that organizational readiness to adopt social commerce and consumer pressure has a vital role in Jordanian SMEs’ adopting social commerce. Findings: The results were drawn from a survey of 218 Jordanian SMEs, indicating that organizational readiness from an organizational dimension and consumer pressure environmental perspective, followed by top management’s support and trading partner pressure, significantly predicts the adoption intentions of social commerce. However, perceived usefulness and security concerns from a technological context do not significantly impact behavioral intentions to utilize social commerce. Recommendations for Practitioners: Lack of awareness about new technology and its potential benefits are not well diffused in the Jordanian context. In short, both organizational and environmental dimensions of the TOE framework significantly influence the behavioral intentions for social commerce adoption in the Jordanian context whereas the third-dimension technological factors do not affect the behavioral intentions of SMEs to adopt social commerce. In the technological context, SMEs need to invest in technology and must spread awareness among Jordanian consumers about the potential benefits of technology and must encourage them to use social commerce platforms to interact because of the high significance of social commerce for businesses as it facilitates the quick completion of tasks, enhances the productivity, and improves the chances of high profitability. Recommendation for Researchers: First, the study is limited in scope as it discusses the direct links between the TOE framework, behavioral intentions to use social commerce, and the actual usage of social commerce in the Jordanian context rather than testing the mediation, and moderation. Future research may examine the mediators and moderators in the conceptual model. Second, the research examined the behavioral intentions of SMEs rather than consumers to adopt social commerce. Further research might consider the consumer perspective on social commerce. Impact on Society: This research aims to identify the key factor that impact the behavioral intentions of SME businesses to practice social commerce. The theoretical underpinning of the study lies in the TOE model, as using its basic assumptions the conceptual grounds and hypothesis of the study are developed. Future Research: The study findings are not generalizable in different contexts as it was specifically conducted by gathering data from the Jordanian population. However future studies may consider different contexts, sectors, cultures, or countries to examine the model. Lastly, the research collected data using convenience sampling from 218 SMEs in Jordan, which may create difficulty in the generalizability of the research, so needs to examine a larger sample in future studies.




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Factors Affecting Individuals’ Behavioral Intention to Use Online Capital Market Investment Platforms in Indonesia

Aim/Purpose: This study aims to examine the ten factors from the Technology Acceptance Model (TAM), Theory of Planned Behavior (TPB), and Unified Theory of Acceptance and Use of Technology (UTAUT) theories in order to analyze behavioral intentions to use the Indonesian online capital market investment platforms and the effect of behavioral intentions on actual usage. Background: The potential growth of capital market investors in Indonesia is large, and the low use of the Internet for investment purposes makes it necessary for stakeholders to understand the factors that affect people’s intentions to invest, especially through online platforms. Several previous studies have explained the intention to use online investment platforms using the TAM and TPB theories. This study tries to combine TAM, TPB, and UTAUT theories in analyzing behavioral intentions to use an online capital market investment platform in Indonesia. Methodology: The research approach employed is a mixed method, particularly explanatory research, which employs quantitative methods first, followed by qualitative methods. Data were collected by conducting interviews and sending online surveys. This study was successful in collecting information on the users of online capital market investment platforms in Indonesia from 1074 respondents, which was then processed and analyzed using Covariance-Based Structural Equation Modeling (CB-SEM) with the IBM AMOS 26.0 application. Contribution: This study complements earlier theories like TAM, TPB, and UTAUT by looking at the intention to use online capital market investment platforms from technological, human, and environmental viewpoints. This study looks at the intention to use the online capital market investing platform as a whole rather than separately depending on investment instruments. This study also assists practitioners including regulators, the government, developers, and investors by offering knowledge of the phenomena and factors that can increase the capital market’s investment intention in Indonesia. Findings: Attitudes, perceived ease of use, perceived behavioral control, subjective norm, and national pride were found to be significant predictors of the intention to use online investment platforms in Indonesia, whereas perceived usefulness, perceived risk, perceived trust, perceived privacy, and price value were not. Recommendations for Practitioners: All practitioners must be able to take steps and strategies that focus on factors that have a significant impact on increasing usage intentions. The government can enact legislation that emphasizes the simplicity and convenience of investment, as well as launch campaigns that encourage people to participate in economic recovery by investing in the capital market. Meanwhile, the developers are concentrating on facilitating the flow of investment transactions through the platform, increasing education and awareness of the benefits of investing in the capital market, and providing content that raises awareness that investing in the capital market can help to restore the national economy. Recommendation for Researchers: Further research is intended to include other variables such as perceived benefits and perceived security, as well as other frameworks such as TRA, to better explain individuals’ behavioral intentions to use online capital investment platforms. Impact on Society: This study can help all stakeholders understand what factors can increase Indonesians’ interest in investing in the capital market, particularly through online investment platforms. This understanding is expected to increase the number of capital market participants and, as a result, have an impact on economic recovery following the COVID-19 pandemic. Future Research: Future research is expected to investigate additional factors that can influence individuals’ behavioral intention to use an online capital market investment platform, such as perceived benefits and perceived security, as well as the addition of control variables such as age, gender, education, and income. International research across nations is also required to build a larger sample size in order to examine the behavior of investors in developing and developed countries and acquire a more thorough understanding of the online capital market investment platform.




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Use of Mobile Health Applications by Lay Users in Kuwait

Aim/Purpose: This study aims to explore the use of mobile health applications (mHealth apps) by lay users in Kuwait. Specifically, it seeks to: (i) identify and highlight the impact of factors that contribute to their use of mHealth apps and (ii) validate a model of these users’ usage of mHealth apps. Background: The advancement of information technologies has paved the way for efficiency and effectiveness in healthcare sectors in developed countries. Kuwait has attempted to revolutionise healthcare systems through mobile applications of information technology solutions to educate users on better methods of receiving customised health services. However, end-user usage of mHealth apps remains in the infancy in developing countries, including Kuwait. Lay users are often vulnerable and frequently overlooked by researchers and health technology providers. Methodology: A cross-sectional study was conducted among 225 lay users of mHealth apps in Kuwait using an online questionnaire to achieve the study objectives. A purposive sampling method utilising convenience and snowballing sampling techniques was used in which all the respondents were lay users. Descriptive statistics, Pearson correlation, and regression analyses were employed to analyse the collected data. Contribution: The study contributes to the extant literature on health informatics and mHealth by providing a comprehensive understanding of how technological, social, and functional factors are related to mHealth apps in the context of developing countries. It identifies key drivers of mHealth app use, suggests expanding the TAM model, and facilitates comparisons with developed countries, addressing gaps in mHealth research. Findings: Four factors (i.e., perceived trust (PT), perceived ease of use (PEU) and behaviour control (PBC), perceived usefulness (PU), and subjective norms (SN)) were identified that influence the use of mHealth apps. These four identified factors also contributed to lay users’ use of these mHealth apps. Among these four factors, perceived trust (PT) was the main contributor to lay users’ use of these mHealth apps. Recommendations for Practitioners: Based on the empirical results, this study provides feasible recommendations for the government, healthcare providers, and developers of mHealth apps. The findings urge developers to enhance app functionality by prioritising privacy and security to build user trust while outlining guidelines for future development focused on user-centric design and compliance with data privacy regulations. Additionally, the government should establish supportive policies and funding, ensure regulatory oversight, and promote public awareness to foster trust. Healthcare providers should integrate mHealth apps into their services, train staff for practical use, gather users’ feedback, and collaborate with developers to create tailored healthcare solutions. Future Research: Additional research is required to apply probability sampling techniques and increase the sample size to generate more reliable and generalisable findings. Additionally, the young age segment must be considered here, and research must be extended to consider the moderating role of demographic factors like age, gender, and educational levels to better understand the adoption of mHealth apps.




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Recommendation System for an Online Shopping Pay-Later System Using a Multistage Approach: A Case Study from Indonesia

Aim/Purpose: In this study, we developed a recommendation system model designed to support decision-makers in identifying consumers eligible for pay-later options via consensus-based decision-making. This approach was chosen due to the high and complex risks involved, such as delayed payments, challenges in reaching consumers, and issues of bad credit. Background: The “pay-later” option, which allows consumers to postpone payment for e-commerce purchases, offers convenience and flexibility but also introduces several challenges: (i) by enabling payment deferral, merchants face financial risks, including potential delays or defaults in payment, adversely affecting their cash flow and profitability; and (ii) this payment delay can also heighten the risk of fraud, including identity theft and unauthorized transactions. Methodology: This study initiated a risk analysis utilizing the ROAD process. Considering contemporary economic developments and advancements in neural networks, integrating these networks into risk assessment has become crucial. Consequently, model development involved the amalgamation of three deep learning methods – CNN (Convolutional Neural Networks), RNN (Recurrent Neural Networks), and LSTM (Long Short-Term Memory) – to address various risk alternatives and facilitate multi-stage decision-making recommendations. Contribution: Our primary contribution is threefold. First, our study identified potential consumers by prioritizing those with the smallest associated problem consequence values. Second, we achieved an optimal recall value using a candidate generator. Last, we categorized consumers to assess their eligibility for pay-later rights. Findings: The findings from this study indicate that our multi-stage recommendation model is effective in minimizing the risk associated with consumer debt repayment. This method of consumer selection empowers policymakers to make informed decisions regarding which consumers should be granted pay-later privileges. Recommendations for Practitioners: This recommendation system is proposed to several key parties involved in the development, implementation, and use of pay-later systems. These parties include E-commerce Executive Management for financial analysis and risk evaluation, the Risk Management Team to assess and manage risks related to users utilizing Pay-Later services, and Sales Managers to integrate Pay-Later services into sales strategies. Recommendation for Researchers: Advanced fraud detection mechanisms were implemented to prevent unauthorized transactions effectively. The goal was to cultivate user confidence in the safety of their financial data by ensuring secure payment processing. Impact on Society: Ensuring consumers understand the terms and conditions of pay-later arrangements, including interest rates, repayment schedules, and potential fees, is crucial. Providing clear and transparent information, along with educating consumers about their financial responsibilities, helps prevent misunderstandings and disputes. Future Research: Our future development plans involve the ongoing assessment of the system’s performance to enhance prediction accuracy. This includes updating models and criteria based on feedback and changes in economic or market conditions. Upholding compliance with security and data privacy regulations necessitates the implementation of protective measures to safeguard consumer information. The implementation of such a system requires careful consideration to ensure fairness and adherence to legal standards. Additionally, it is important to acknowledge that algorithms and models may evolve over time through the incorporation of additional data and continuous evaluations.




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Fostering Trust Through Bytes: Unravelling the Impact of E-Government on Public Trust in Indonesian Local Government

Aim/Purpose: This study aims to investigate the influence of e-government public services on public trust at the local government level, addressing the pressing need to understand the factors shaping citizen perceptions and trust in government institutions. Background: With the proliferation of e-government initiatives worldwide, governments are increasingly turning to digital solutions to enhance public service delivery and promote transparency. However, despite the potential benefits, there remains a gap in understanding how these initiatives impact public trust in government institutions, particularly at the local level. This study seeks to address this gap by examining the relationship between e-government service quality, individual perceptions, and public trust, providing valuable insights into the complexities of citizen-government interactions in the digital age. Methodology: Employing a quantitative approach, this study utilises surveys distributed to users of e-government services in one of the regencies in Indonesia. The sample consists of 278 individuals. Data analysis is conducted using Partial Least Squares Structural Equation Modelling, allowing for the exploration of relationships among variables and their influence on public trust. Contribution: This study provides insights into the factors influencing public trust in e-government services at the local government level, offering a nuanced understanding of the relationship between service quality, individual perceptions, and public trust. Findings: This study emphasises information quality and service quality in e-government-based public services as crucial determinants of individual perception in rural areas. Interestingly, system quality in e-government services has no influence on individual perception. In the individual perception, perceived security and privacy emerge as the strongest antecedent of public trust, highlighting the need to guarantee secure and private services for citizens in rural areas. These findings emphasise the importance of prioritising high-quality information, excellent service delivery, and robust security measures to foster and sustain public trust in e-government services. Recommendations for Practitioners: Practitioners must prioritise enhancing the quality of e-government services due to their significant impact on individual perception, leading to higher public trust. Government agencies must ensure reliability, responsiveness, and the effective fulfilment of user needs. Additionally, upholding high standards of information quality in e-government services by delivering accurate, relevant, and timely information remains crucial. Strengthening security measures through robust protocols such as data encryption and secure authentication becomes essential for protecting user data. With that in mind, the authors believe that public trust in government would escalate. Recommendation for Researchers: Researchers could investigate the relation between system quality in e-government services and individual perception in different rural settings. Longitudinal studies could also elucidate how evolving service quality, information quality, and security measures impact user satisfaction and trust over time. Comparative studies across regions or countries can reveal cultural and contextual differences in individual perceptions, identifying both universal principles and region-specific strategies for e-government platforms. Analysing user behaviour and preferences across various demographic groups can inform targeted interventions. Furthermore, examining the potential of emerging technologies such as blockchain or artificial intelligence in enhancing e-government service delivery, security, and user engagement remains an interesting topic. Impact on Society: This study’s findings have significant implications for fostering public trust in government institutions, ultimately strengthening democracy and citizen-government relations. By understanding how e-government initiatives influence public trust, policymakers can make informed decisions to improve service delivery, enhance citizen engagement, and promote transparency, thus contributing to more resilient and accountable governance structures. Future Research: Future research could opt for longitudinal studies to evaluate the long-term effects of enhancements in service quality, information quality, and security. Cross-cultural investigations can uncover universal principles and contextual differences in user experiences, supporting global e-government strategies in rural areas. Future research could also improve the research model by adding more variables, such as risk aversion or fear of job loss, to gauge individual perceptions.




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Workers’ Knowledge Sharing and Its Relationship with Their Colleague’s Political Publicity in Social Media

Aim/Purpose: This paper intends to answer the question regarding the extent to which political postings with value differences/similarities will influence the level of implicit knowledge sharing (KS) among work colleagues in organizations. More specifically, the study assesses contributors’ responses to a workmate’s publicity about politics on social media platforms (SMP) and their eagerness to implement implicit KS to the co-worker. Background: Previously published articles have confirmed an association between publicity about politics and the reactions from workfellows in the organization. Moreover, prior work confirmed that workers’ social media postings about politics may create unfavorable responses, such as being disliked and distrusted by workfellows. This may obstruct the KS because interpersonal relations are among the KS’s essential components. Therefore, it is imperative to assess whether the workfellows’ relationship affected by political publicity would impede the KS in the office. Methodology: Data was gathered using the vignette technique and online survey. A total of 510 online and offline questionnaires were distributed to respondents in Indonesian Halal firms who have implemented knowledge-sharing practices and have been at work for no less than twelve months in the present role. Next, the 317 completed questionnaires were examined with partial least squares structural equation modeling (PLS-SEM). Contribution: Postings about politics on SMP can either facilitate or impede the level of KS in organizations, and this research topic is relatively scarce in the knowledge management discipline. While previously published articles have concentrated on public organizations, this research centers on private firms. Moreover, this work empirically examines private companies in Indonesia, which is also understudied in the existing literature. Findings: The outcomes confirm that perceived political value similarity (PPV) in a co-worker’s social-media publicity has a significant and indirect influence on contributors’ eagerness to perform implicit/tacit KS. Further, colleague likability and trustworthiness significantly influence the level of KS among respondents. As PPV significantly forms colleague likability, likability strongly and positively shapes trustworthiness. Recommendations for Practitioners: The study shows that political publicity significantly affects implicit knowledge sharing (KS). As a result, managers and leaders, particularly those in private firms, are strengthened to instruct their staff about the ramifications of publicity embedded in employees’ SMP postings, particularly about political topics, as it may result in either negative or positive perceptions amongst the staff towards the workmate who posts. Recommendation for Researchers: As this study focuses on examining KS behavior in a large context, i.e., Indonesia Halal firms that dominate the Indonesian economy, and the fact that much polarization research focuses on society at large and less on specific sectors of life, it is important and interesting for researchers to conduct similar studies in a specific workplace as political agreements and disagreements become so important and consequential in everyday lives. Impact on Society: This article makes the implication that a person’s personality can influence how they react to political posts on SMP. It is difficult for the exposers to know the personality of each viewer of publicity in daily life. Workers’ newfound knowledge can motivate them to use SMP responsibly and lessen the probability that they will disclose information that might make their co-workers feel or perceive anything unfavorably. Future Research: There is a need for further studies to examine if the results can be applied to different locations and organizations, as individuals’ behaviors may vary according to the cultures of society and firms. Furthermore, future research can take into account the individual characteristics of workers, such as hospitability, self-confidence, and psychological strength, which may be well-matched with future work models. Future research may potentially employ a qualitative technique to offer deeper insights into the same topic.




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Factors Influencing Adoption of Blockchain Technology in Jordan: The Perspective of Health Care Professionals

Aim/Purpose: This paper investigates the user acceptability of blockchain technology in the healthcare sector, with a specific focus on healthcare professionals in Jordan. Background: The study seeks to identify the factors that affect healthcare professionals’ use and acceptance of blockchain technology in Jordan. Methodology: The study’s research framework integrates factors from the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT). A questionnaire was distributed to collect data from 372 healthcare professionals in Jordan, and the results were analyzed using structural equation modeling based on the Partial Least Square (PLS) technique. Contribution: While only a few previous studies have explored blockchain technology acceptance in the healthcare sector using either the TAM or the UTAUT, this study uniquely integrates elements from both models, offering a novel approach that provides a comprehensive understanding of the factors that influence the acceptance of blockchain technology among healthcare professionals in Jordan. The findings can assist decision-makers in developing strategies to enhance the adoption rate of blockchain technology in the Jordanian healthcare sector. Findings: The study revealed that usability, convenience, privacy and security, cost, and trust significantly impact the perceived usefulness of blockchain technology. The findings also suggest that healthcare professionals are more likely to have a positive attitude towards blockchain-based healthcare systems if they perceive them as useful and easy to use. Attitude, social influence, and facilitating conditions were found to significantly impact behavioral intention to use. Recommendations for Practitioners: Stakeholders should focus on developing blockchain-based healthcare systems that are easy to use, convenient, efficient, and effort-free. Recommendation for Researchers: Researchers may compare the acceptance of blockchain technology in the healthcare sector with other industries to identify industry-specific factors that may influence adoption. This comparative analysis can contribute to a broader understanding of technology acceptance. Impact on Society: Successful adoption of blockchain technology in the healthcare sector can lead to improved efficiency, enhanced protection of healthcare data, and reduced administrative burdens. This, in turn, can positively impact patient care and lead to cost savings, which contributes to more sustainable and accessible healthcare services. Future Research: Future research may explore integrating blockchain technology with other emerging technologies, such as artificial intelligence and sidechain, to create more comprehensive and innovative healthcare solutions.




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Navigating the Future: Exploring AI Adoption in Chinese Higher Education Through the Lens of Diffusion Theory

Aim/Purpose: This paper aims to investigate and understand the intentions of management undergraduate students in Hangzhou, China, regarding the adoption of Artificial Intelligence (AI) technologies in their education. It addresses the need to explore the factors influencing AI adoption in the educational context and contribute to the ongoing discourse on technology integration in higher education. Background: The paper addresses the problem by conducting a comprehensive investigation into the perceptions of management undergraduate students in Hangzhou, China, regarding the adoption of AI in education. The study explores various factors, including Perceived Relative Advantage and Trialability, to shed light on the nuanced dynamics influencing AI technology adoption in the context of higher education. Methodology: The study employs a quantitative research approach, utilizing the Confirmatory Tetrad Analysis (CTA) and Partial Least Squares Structural Equation Modeling (PLS-SEM) methodologies. The research sample consists of management undergraduate students in Hangzhou, China, and the methods include data screening, principal component analysis, confirmatory tetrad analysis, and evaluation of the measurement and structural models. We used a random sampling method to distribute 420 online, self-administered questionnaires among management students aged 18 to 21 at universities in Hangzhou. Contribution: This paper explores how management students in Hangzhou, China, perceive the adoption of AI in education. It identifies factors that influence AI adoption intention. Furthermore, the study emphasizes the complex nature of technology adoption in the changing educational technology landscape. It offers a thorough comprehension of this process while challenging and expanding the existing literature by revealing the insignificant impacts of certain factors. This highlights the need for an approach to AI integration in education that is context-specific and culturally sensitive. Findings: The study highlights students’ positive attitudes toward integrating AI in educational settings. Perceived relative advantage and trialability were found to impact AI adoption intention significantly. AI adoption is influenced by social and cultural contexts rather than factors like compatibility, complexity, and observability. Peer influence, instructor guidance, and the university environment were identified as pivotal in shaping students’ attitudes toward AI technologies. Recommendations for Practitioners: To promote the use of AI among management students in Hangzhou, practitioners should highlight the benefits and the ease of testing these technologies. It is essential to create communication strategies tailored to the student’s needs, consider cultural differences, and utilize the influence of peers and instructors. Establishing a supportive environment within the university that encourages innovation through policies and regulations is vital. Additionally, it is recommended that students’ attitudes towards AI be monitored constantly, and strategies adjusted accordingly to keep up with the changing technological landscape. Recommendation for Researchers: Researchers should conduct cross-disciplinary and cross-cultural studies with qualitative and longitudinal research designs to understand factors affecting AI adoption in education. It is essential to investigate compatibility, complexity, observability, individual attitudes, prior experience, and the evolving role of peers and instructors. Impact on Society: The study’s insights into the positive attitudes of management students in Hangzhou, China, toward AI adoption in education have broader societal implications. It reflects a readiness for transformative educational experiences in a region known for technological advancements. However, the study also underscores the importance of cautious integration, considering associated risks like data privacy and biases to ensure equitable benefits and uphold educational values. Future Research: Future research should delve into AI adoption in various academic disciplines and regions, employing longitudinal designs and qualitative methods to understand cultural influences and the roles of peers and instructors. Investigating moderating factors influencing specific factors’ relationship with AI adoption intention is essential for a comprehensive understanding.




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Emphasizing Data Quality for the Identification of Chili Varieties in the Context of Smart Agriculture

Aim/Purpose: This research aims to evaluate models from meta-learning techniques, such as Riemannian Model Agnostic Meta-Learning (RMAML), Model-Agnostic Meta-Learning (MAML), and Reptile meta-learning, to obtain high-quality metadata. The goal is to utilize this metadata to increase accuracy and efficiency in identifying chili varieties in smart agriculture. Background: The identification of chili varieties in smart agriculture is a complex process that requires a multi-faceted approach. One challenge in chili variety identification is the lack of a large and diverse dataset. This can be addressed using meta-learning techniques, which allow the model to leverage knowledge learned from other related tasks or artificially expand the dataset by applying transformations to existing data. Another challenge is the variation in growing conditions, which can affect the appearance of chili varieties. Meta-learning techniques can help address this challenge by allowing the model to adapt to variations in growing conditions with task-specific embeddings and optimizations. With the help of meta-learning techniques, such as data augmentation, data characterization, selection of datasets, and performance estimation, quality metadata for accurate identification of chili varieties can be achieved even in the presence of limited data and variations in growing conditions. Furthermore, the use of meta-learning techniques in chili variety identification can also assist in addressing challenges related to the computational complexity of the task. Methodology: The research approach employed is quantitative, specifically comparing three models from meta-learning techniques to determine which model is most suitable for our dataset. Data was collected from the variety assembly garden in the form of images of chili leaves using a mobile device. The research successfully gathered 1,974 images of chili leaves, with 697 images of large red chilies, 649 images of curly red chilies, and 628 images of cayenne peppers. These chili leaf images were then processed using augmentation techniques. The results of image data augmentation were categorized based on leaf characteristics (such as oval, lancet, elliptical, serrated leaf edges, and flat leaf edges). Subsequently, training and validation utilized three models from meta-learning techniques. The final stage involved model evaluation using 2-way and 3-way classification, as well as 5-shot and 10-shot learning scenarios to select the dataset with the best performance. Contribution: Improving classification accuracy, with a focus on ensuring high-quality data, allows for more precise identification and classification of chili varieties. Enhancing model training through an emphasis on data quality ensures that the models receive reliable and representative input, leading to improved generalization and performance in identifying chili varieties. Findings: With small collections of datasets, the authors have used data augmentation and meta-learning techniques to overcome the challenges of limited data and variations in growing conditions. Recommendations for Practitioners: By leveraging the knowledge and adaptability gained from meta-learning, accurate identification of chili varieties can be achieved even with limited data and variations in growing conditions. The use of meta-learning techniques in chili variety identification can greatly improve the accuracy and reliability of the identification process. Recommendation for Researchers: Using meta-learning techniques, such as transfer learning and parameter optimization, researchers can overcome challenges related to limited data and variations in growing conditions in chili variety identification. Impact on Society: The findings from this research can help identify superior chili seeds, thereby motivating farmers to cultivate high-quality chilies and achieve bountiful harvests. Future Research: We intend to verify our approach on a more extensive array of datasets and explore the implementation of more resilient regularization techniques, going beyond image augmentation, within the meta-learning techniques. Furthermore, our goal is to expand our research to encompass the automatic learning of parameters during training and tackle issues associated with noisy labels. Building on the insights gained from our observed outcomes, a future objective is to enhance the refinement of model-agnostic meta-learning techniques that can effectively adapt to intricate task distributions with substantial domain gaps between tasks. To realize this aim, our proposal involves devising model-agnostic meta-learning techniques specifically designed for multi-modal scenarios.




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Continuous Use of Mobile Banking Applications: The Role of Process Virtualizability, Anthropomorphism and Virtual Process Failure Risk

Aim/Purpose: The research aims to investigate the factors that influence the continuous use of mobile banking applications to complete banking monetary transactions. Background: Despite a significant increase in the use of mobile banking applications, particularly during the COVID-19 pandemic, new evidence indicates that the use rate of mobile banking applications for operating banking monetary transactions has declined. Methodology: The study proposed an integrated model based mainly on the process virtualization theory (PVT) with other novel factors such as mobile banking application anthropomorphism and virtual process failure risk. The study model was empirically validated using structural equation modeling analysis on quantitative data from 484 mobile banking application users from Jordan. Contribution: The study focuses on continuing use or post-adoption behavior rather than pre-adoption behavior. This is important since the maximum and long-term viability, as well as the financial investment in mobile banking applications, depend on regular usage rather than first-time use or initial experience. Findings: The results indicate that process virtualizable and anthropomorphism have a strong positive impact on bank customers’ decisions to continue using mobile banking applications to complete banking monetary transactions. Meanwhile, the negative impact of virtualization process failure risk on continuous use has been discovered. The found factors explain 67.5% of the variance in continuous use. Recommendations for Practitioners: The study identified novel, significant factors that affect bank customers’ decisions to use mobile banking applications frequently, and these factors should be examined, matched, satisfied, or addressed when redesigning or upgrading mobile applications. Banks should provide users with clear directions, processes, or tutorials on how to complete monetary transactions effectively. They should also embrace Artificial Intelligence (AI) technology to improve their applications and products with anthropomorphic features like speech synthesizers, Chatbots, and AI-powered virtual bank assistants. This is expected to help bank customers conduct various banking services conveniently and securely, just as if interacting with real people. The study further recommends that banks create and publish clear norms and procedures, as well as promote tolerance and protect consumers’ rights when the process fails or mistakes occur. Recommendation for Researchers: The study provides measurement items that were specifically built for the context of mobile banking applications based on PVT notions. Researchers are invited to reuse, test, and modify existing measurement items, as well as submit new ones if necessary. The study model does not consider psychological aspects like trust and satisfaction, which would provide additional insight into factors affecting continuing use. Researchers could potentially take a different approach by focusing on user resistance and non-adoption. Impact on Society: Financial inclusion is problematic, particularly in underdeveloped nations. According to financial inclusion research, Jordanians rarely utilize mobile banking apps. Continuous usage of mobile banking applications will be extremely beneficial in closing the financial inclusion gap, particularly among women. Furthermore, it could help the country’s efforts to transition to a digital society. Future Research: The majority of study participants are from urban areas. Future studies should focus on consumers who live in rural areas. It was also suggested that the elderly be targeted because they may have different views/perspectives on the continued use of mobile banking applications.