Aim/Purpose: To identify positive and negative aspects for learning of interactive tablet technology learning activities that promote student engagement and learning. Background: Engaging students in mathematics classes is an on-going challenge for teachers. In 2008 we were offered the opportunity to run interactive activities with a class set of tablet PCs that had just been released on to the market. Since then, we have run these interactive activities continuously with mathematics classes for computing students, albeit with two changes in hardware. Methodology: In the interactive activities, students submit full worked solutions to various problem types (classified as table, text, open or multi-choice) which can then be displayed to the class anonymously, discussed and annotated by the teacher. We surveyed student and staff perceptions and monitored academic performance. Contribution: We have over 10 years of results, observations, and experience from 2008, when tablet technologies were new and expensive, to the current time, when modern tablets with styli are now affordable. Findings: There was a significant increase in higher grades although pass rates did not increase significantly. Over the ten year period of the study, perceptions of students and staff about how this technology impacted on student learning were consistently positive. The majority of students found all problem types useful for learning even those they rated “too hard” or “too easy”. Benefits included increased feedback, peer learning and engagement. Recommendations for Practitioners: We recommend using tablet learning activities to engage students and teachers and to contribute to learning. Impact on Society: This study shows how using tablet technologies for interactive classroom activities can enable and enhance known pedagogies of feedback, peer instruction, and student engagement for mathematics classes. Future Research: We recommend extending this study to include larger classes, and other technical subjects that use symbols and diagrams. In addition, we suggest considering control groups.

Aim/Purpose: The current study was conducted to investigate the students’ perceived satisfaction with the use of a semantic-based online laboratory, which provides students with a search mechanism for laboratory resources, such as instruments and devices. Background: The increasing popularity of using online teaching labs, as an important element of experiential learning in STEM education, is because they represent a collection of integrated tools that allow students and teachers to interact and work collaboratively, whereas they provide an enriched learning content delivery mechanism. Moreover, several research studies have proposed various approaches for online teaching laboratories. However, there are hardly any studies that examine the student satisfaction provided by online laboratories based on students’ experiential learning. Methodology: To measure the effectiveness of the laboratory, we performed a case study in a Computer Fundamentals online course in which undergraduate students were able to manage devices and instruments remotely. Participants were a sample of 50 third semester students of Bachelor’s degree in Information Technology Administration who were divided in experimental and control groups (online laboratory vs. traditional manner). Given a laboratory assignment, students were able to carry out the management of devices and instruments through a LabView virtual environment and web services. The data of the experiment were collected through two questionnaires from both groups. The first is a system usability score (SUS) questionnaire concerning lab usability and the second one students’ cognitive load. Contribution: The results of the study showed a high correlation between usability and cognitive load-satisfaction of students who used the online teaching laboratory compared to the students who did not use it. Findings: On the one hand, the online laboratory provided students with an easy way to share and deploy instruments and devices, thus enhancing system usability. On the other hand, it offered important facilities which enabled students to customize the search for instruments and devices, which certainly had a positive impact on the relationship between cognitive load and satisfaction. Recommendations for Practitioners: In this work we propose an intuitive laboratory interface as well as easiness to use but challenging and capable of providing similar experiences to the traditional laboratory. Recommendation for Researchers: This study is one of the first to analyze the cognitive load-satisfaction relationship and compare it with usability scores. Impact on Society: Our analyses make an important contribution to the literature by suggesting a correlation analysis comparing the results of experimental and control groups that participated in this research work, in terms of usability and cognitive load-satisfaction. Future Research: Future work will also investigate other methodological aspects of instructional design with the aim to improve personalized learning and reinforce collaborative experiences, as well as to deal with problems related to laboratory access, such as authentication, scheduling, and interoperability.

Aim/Purpose: This paper is part of a multi-case study that aims to test whether generative AI makes an effective coding assistant. Particularly, this work evaluates the ability of two AI chatbots (ChatGPT and Bing Chat) to generate concise computer code, considers ethical issues related to generative AI, and offers suggestions for how to improve the technology. Background: Since the release of ChatGPT in 2022, generative artificial intelligence has steadily gained wide use in software development. However, there is conflicting information on the extent to which AI helps developers be more productive in the long term. Also, whether using generated code violates copyright restrictions is a matter of debate. Methodology: ChatGPT and Bing Chat were asked the same question, their responses were recorded, and the percentage of each chatbot’s code that was extraneous was calculated. Also examined were qualitative factors, such as how often the generated code required modifications before it would run. Contribution: This paper adds to the limited body of research on how effective generative AI is at aiding software developers and how to practically address its shortcomings. Findings: Results of AI testing observed that 0.7% of lines and 1.4% of characters in ChatGPT’s responses were extraneous, while 0.7% of lines and 1.1% of characters in Bing Chat’s responses were extraneous. This was well below the 2% threshold, meaning both chatbots can generate concise code. However, code from both chatbots frequently had to be modified before it would work; ChatGPT’s code needed major modifications 30% of the time and minor ones 50% of the time, while Bing Chat’s code needed major modifications 10% of the time and minor ones 70% of the time. Recommendations for Practitioners: Companies building generative AI solutions are encouraged to use this study’s findings to improve their models, specifically by decreasing error rates, adding more training data for programming languages with less public documentation, and implementing a mechanism that checks code for syntactical errors. Developers can use the findings to increase their productivity, learning how to reap generative AI’s full potential while being aware of its limitations. Recommendation for Researchers: Researchers are encouraged to continue where this paper left off, exploring more programming languages and prompting styles than the scope of this study allowed. Impact on Society: As artificial intelligence touches more areas of society than ever, it is crucial to make AI models as accurate and dependable as possible. If practitioners and researchers use the findings of this paper to improve coders’ experience with generative AI, it will make millions of developers more productive, saving their companies money and time. Future Research: The results of this study can be strengthened (or refuted) by a future study with a large, diverse dataset that more fully represents the programming languages and prompting styles developers tend to use. Moreover, further research can examine the reasons generative AI fails to deliver working code, which will yield valuable insights into improving these models.

The present study attempts to find out the determinants of FinTech adoption for financial inclusion by a microfinance institution in India. The factors such as efficiency, consistency, convenience, reliability are taken as predictors of organisational attitude. Similarly, organisational attitude, ease of use, and perceived benefits are considered as antecedents of organisational adoption intention of FinTech in microfinance institutions of India. The purposive sampling technique was used to get a filled survey instrument by target samples. The results indicate that convenience and consistency in the use of FinTech applications build a favourable attitude to adopt it. Furthermore, perceived benefits are the most important antecedents of the adoption intention of FinTech in the microfinance institution in India. Additionally, the reliability of the application has a positive but insignificant impact on organisational attitude to adopt FinTech. The implications of the present study are discussed.

In India, 70% of the Indian population is dependent on agriculture, yet agriculture generates only 13% of the country's gross domestic product. Several factors contribute to high levels of stress among farmers in India, such as increased input costs, draughts, and reduced revenues. The problem lies in the absence of an integrated farm advisory system. A farmer needs help to bridge this information gap, and they need it early in the crop's lifecycle to prevent it from being destroyed by pests or diseases. This research involves developing deep learning algorithms such as <i>ResNet18</i> and <i>DenseNet121</i> to help farmers diagnose crop diseases earlier and take corrective actions. By using deep learning techniques to detect these crop diseases with images farmers can scan or click with their smartphones, we can fill in the knowledge gap. To facilitate the use of the models by farmers, they are deployed in Android-based smartphones.

In order to overcome the problems of large error, low evaluation accuracy and long evaluation time in traditional evaluation methods of ideological and political education, this paper designs a quantitative evaluation method of ideological and political education achievements based on collaborative filtering algorithm. First, the evaluation index system is constructed to divide the teaching achievement evaluation index data in a small scale; then, the quantised dataset is determined and the quantised index weight is calculated; finally, the collaborative filtering algorithm is used to generate a set with high similarity, construct a target index recommendation list, construct a quantitative evaluation function and solve the function value to complete the quantitative evaluation of teaching achievements. The results show that the evaluation error of this method is only 1.75%, the accuracy can reach 98%, and the time consumption is only 2.0 s, which shows that this method can improve the quantitative evaluation effect.

Aim/Purpose: This exploratory study investigates the influential factors of users’ decisions in the dilemma of whether to agree to online personalization or to protect their online privacy. Background: Various factors related to online privacy and anonymity were considered, such as user’s privacy concern on the Web in general and particularly on social networks, user online privacy literacy, and field of study. Methodology: To this end, 155 students from different fields of study in the Israeli academia were administered closed-ended questionnaires. Findings: The multivariate linear regression analysis showed that as the participants’ privacy concern increases, they tend to prefer privacy protection over online personalization. In addition, there were significant differences between men and women, as men tended to favor privacy protection more than women did. Impact on Society: This research has social implications for the academia and general public as they show it is possible to influence the personalization-privacy tradeoff and encourage users to prefer privacy protection by raising their concern for the preservation of their online privacy. Furthermore, the users’ preference to protect their privacy even at the expense of their online malleability may lead to the reduction of online privacy-paradox behavior. Future Research: Since our results were based on students' self-perceptions, which might be biased, future work should apply qualitative analysis to explore additional types and influencing factors of online privacy behavior.

Aim/Purpose: Medical images are very sensitive data that can be transferred to medical laboratories, professionals, and specialist for referral cases or consultation. Strict security measures must be utilized to keep these data secured in computer networks when transferred to another party. On a daily basis, unauthorized users derive ways to gain access to sensitive patient medical information. Background: One of the best ways to which medical image could be kept secured is through the use of quantum cryptography Methodology : Applying the principles of quantum mechanics to cryptography has led to a remarkable new dimension in secured network communication infrastructure. This enables two legitimate users to produce a shared secret random bit string, which can be used as a key in cryptographic applications, such as message encryption and authentication. Contribution: This paper can make it possible for the healthcare and medical professions to construct cryptographic communication systems to keep patients’ transferred data safe and secured. Findings: This work has been able to provide a way for two authorized users who are in different locations to securely establish a secret network key and to detect if eavesdropping (a fraudulent or disruption in the network) has occurred Recommendations for Practitioners: This security mechanism is recommended for healthcare providers and practitioners to ensure the privacy of patients’ medical information. Recommendation for Researchers: This paper opens a new chapter in secured medical records Impact on Society Quantum key distribution promises network security based on the fundamental laws of quantum mechanics by solving the problems of secret-key cryptography . Future Research: The use of post-quantum cryptography can be further researched.

Several studies extended the Technology Acceptance Model (TAM) by examining the antecedents of perceived usefulness and perceived ease of use; the present study looks at demographic aspect of external variables in virtual library use among undergraduate students. The purpose of this study is to identify the demographic factors sex, level of study, cumulative grade point average, and computer knowledge that act as external factors that are antecedents of perceived usefulness and perceived ease of use. The university management makes a large investment in the provision of a virtual library; investigation of the virtual library acceptance by students is important. TAM and theory of reasoned action (TRA) are utilised to theoretically test a model for the extension and to predict virtual library acceptance and usage. In a survey study, data was collected by using a structured questionnaire given to 394 randomly selected participants in a private university. Data were analysed by Pearson product moment correlation, multiple and hierarchical regression. The result of the study is consistent with TAM factors examined for explaining virtual library usage. The extension model accounts for 2.5% variance in perceived usefulness, 2.1% in perceived ease of use, 11.7% - 15.2% on intention to use and 7.2% on actual use of virtual library. Implications of the findings of the study on user’s virtual library training are discussed.

Aim/Purpose: This paper identifies the antecedents that affect E-Banking (EB) adoption and investigates the relationship between the level of EB adoption and the performance of private banks. Background: Rapid technological advancement has transformed the business environment dramatically. These advancements particularly the Internet has reshaped the way businesses operate. Over the last decade, the banking industry has become highly complex and competitive and operates in a highly volatile and unpredictable global economy. With the increasing demand for electronic services, banks are harnessing EB technology to improve their products and services. Methodology: Quantitative research using Structural Equation Modelling (SEM) was carried out with a sample size of 211 by sending questionnaires to employees of six banks in Khartoum, Sudan. The study is based on different technology theories and models. Contribution: The study provides insights into the employees’ perception of EB adoption in their banking transactions. Findings: The results showed that four factors are significant in the adoption of EB in Sudan. However, training and user trust were insignificant in determining its adoption. Moreover, the level of adoption of EB significantly affected private bank performance. Recommendations for Practitioners: Private banks in Sudan that are interested in EB might find these findings helpful in guiding their technology adoption and application initiatives. Recommendation for Researchers: To validate the research model, cross data from different countries are encouraged to apply the model to capture the differences and similarities among them. In addition, a longitudinal research could be conducted to gather data for adoption process over a longer period rather than one point of time, to investigate antecedents and bank performance outcomes by the end of the study period. Other antecedents and outcomes could possibly be included to improve the power of the study model. Impact on Society: This study provides a reference for banks with similar developing country backgrounds in adopting EB to enhance their performance. Moreover, knowledge of antecedents and outcomes of EB adoption could be positively reflected in service quality performance. Future Research: This research is limited to the employees’ perspective, and future research could consider the perception of customers from a developing country towards EB adoption.

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.

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.

Aim/Purpose: The first goal is to develop a decision support system for pricing and production amounts for a firm facing high levels of product returns. The second goal is to improve the management of the product returns process. Background: This study was conducted at a food importer and manufacturer in Israel facing a very high rate of product returns, much of which is eventually discarded. The firm’s products are commonly considered to be a low-cost generic alternative and are therefore popular among low-income families. Methodology: A decision support module was added to the plant’s business information system. The module is based on a supply chain pricing model and uses the sales data to infer future demand’s distribution. Ergonomic models were used to improve the design of the returns warehouse and the handling of the returns. Contribution: The decision support system allows to improve the plant’s pricing and quantity planning. Consequently, it reduced the size of product returns. The new design of the returns process is expected to improve worker’s productivity, reduces losses and results in safer outcomes. This study also demonstrates a successful integration and of a theoretical economical model into an information system. Findings: The results show the promise of incorporating pricing supply chain models into informing systems to achieve a practical business task. We were able to construct actual demand distributions from the data and offer actual pricing recommendations that reduce the number of returns while increasing potential profits. We were able to identify key deficiencies in the returns operations and added a module to the decisions support system that improves the returns management and links it with the sales and pricing modules. Finally, we produced a better warehouse design that supports efficient and ergonomic product returns handling. Recommendations for Practitioners: This work can be replicated for different suppliers, manufacturers and retailers that suffer from product returns. They will benefit from the reduction in returns, as well as the decrease in the losses associated with these returns. Recommendation for Researchers: It is worthwhile to research whether decision support systems can be applied to other aspects of the organizations’ operations. Impact on Society: Product returns is a lose-lose situation for producers, retailers and customers. Moreover, mismanagement of these returns is harmful for the environment and may result in the case of foods, in health hazards. Reducing returns and improving the handling improves sustainability and is beneficial for society. Future Research: The decision support system’s underlying pricing model assumes a specific business setting. This can be extended using other pricing models and applying them in a similar fashion to the current application.

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.

Aim/Purpose: Mobile commerce adoption is low in developing countries; hence, public servants may not consider mobile commerce and mobile payments. Understanding the factors that influence mobile commerce and mobile payments in their context will aid in promoting those services. Background: The study investigates the factors that influence public servants’ mobile commerce and mobile payments in Ghana. Hence, it provides some understanding of the various aspects of mobile commerce and mobile payments adoption, such as acceptance, use, and eventual adoption into the user’s daily life, and how that affects their behaviour. Methodology: The research was conducted by surveying the factors influencing public servants’ adoption of mobile commerce and payments in Ghana. A cross-sectional survey was undertaken to put the research model to the test to measure the constructs and their relationships. Contribution: The study confirmed previous findings and created a new conceptual model for mobile commerce and mobile payment adoption and usage in the Ghanaian context. Findings: The variables of performance expectancy, trust, and facilitating conditions have a significant positive influence on behavioural intention. The factors of effort expectation and social influence have a significant negative impact. Price value and perceived reliability are latent variables that do not affect behavioural intention. Behavioural intention and facilitating conditions significantly influence the actual use behaviour of mobile commerce and mobile payment users. Recommendations for Practitioners: Mobile commerce is emerging as a new mode of transactions, with firms providing enabling platforms for users. Mobile commerce could become the most acceptable application for the next generation of mobile platform applications. This study offers insights into the fluidity of the mobile environment, with implications that spell out what will be effective mobile commerce services that will continue to be relevant. Mobile applications are attractive to people because they provide a better user experience. These mobile applications have been optimised to provide a fast, easy and delightful experience. Mobile commerce and mobile payment service providers can attract and retain more users if attention is paid to performance expectancy, trust, and facilitating conditions since they influence individuals’ decisions to adopt. Mobile technology is almost ubiquitous, influencing both online sales and in-store sales. With the right mobile commerce platform and features, businesses can expect to increase in-store and online sales, catering to a more extensive clientele. Mobile devices are the primary means that most customers use to look up information about products they see in stores, such as product reviews and pricing options. This study indicates that mobile commerce service providers can achieve a more extensive customer base by promoting performance expectancy, trust, and behavioural intentions. Recommendation for Researchers: Despite the numerous studies in the mobile commerce literature, few have used integrated models of perceived reliability, trust, and price value or methods to evaluate these factors in the emerging mobile commerce industry. Also, it combines mobile commerce and mobile payments, which very few that we know of have done. Impact on Society: Ghana is already in a cash-lite economy. Thus, the study is appropriate with the result of trust being a significant factor. It implies that people will begin using mobile commerce and mobile payments with a bit of drive to bring about this drive quickly. Future Research: Future research could further test the adapted model with moderating factors of age, gender, and education to delve deeper into the complexities of mobile commerce and mobile payments.

Aim/Purpose: The purpose of this study is to identify the key determinants hindering Knowledge Transfer (KT) practices for Information Technology Project Managers (ITPMs) Background: The failure rate of IT projects remains unacceptably high worldwide, and KT between project managers and team members has been recognized as a significant issue affecting project success. Therefore, this study tries to identify the determinants of KT within the context of IT projects for ITPMs. Methodology: A systematic review of the literature (SLR) was employed in the investigation. The SLR found 28 primary studies on KT for ITPMs that were published in Scopus and Web of Science databases between 2010 and 2023. Contribution: Social Cognitive Theory (SCT) was used to build a theoretical framework where the determinants were categorized into Personal factors, Environmental (Project organizational) factors, and other factors, such as Technological factors influencing ITPMs (Behavioral factors), to implement in KT practices. Findings: The review identified 11 key determinants categorized into three broad categories: Personal factors (i.e., motivation, absorptive capability, trust, time urgency), Project Organizational factors (i.e., team structure, leadership style, reward system, organizational culture, communication), and Technological factors (i.e., project task collaboration tool and IT infrastructure and support) that influence implementing KT for ITPMs Recommendations for Practitioners: The proposed framework in this paper can be used by project managers as a guide to adopt KT practices within their project organization. Recommendation for Researchers: The review showed that some determinants, such as Technological factors, have not been adequately explored in the existing KT model in the IT projects context and can be integrated with other relevant theories to understand how a project manager’s knowledge can be transferred and retained in the organization using technology in future research. Impact on Society: This study emphasizes the role of individual actions and project organizational and technological matters in shaping the efficacy of KT within project organizations. It offers insight that could steer business owners or executives within project organizations to closely observe the behavior of project managers, thereby securing successful project outcomes. Future Research: The determinant list provided in this paper is acquired from extensive SLR and, therefore, further research should aim to expand and deepen the investigation by validating these determinants from experts in the field of IT and project management. Future studies can also add other external technological determinants to provide a more comprehensive KT implementation framework. Similarly, this research does not include determinants identified directly from the industry, as it relies solely on determinants found in the existing literature. Although a comprehensive attempt has been made to encompass all relevant papers, there remains a potential for overlooking some research in this process.

Aim/Purpose: The aim of this research paper is to suggest a comprehensive model that incorporates the technology acceptance model with the task-technology fit model, information quality, security, trust, and managerial support to investigate the intended usage of big data analytics (BDA) in banks and insurance companies. Background: The emergence of the concept of “big data,” prompted by the widespread use of connected devices and social media, has been pointed out by many professionals and financial institutions in particular, which makes it necessary to assess the determinants that have an impact on behavioral intention to use big data analytics in banks and insurance companies. Methodology: The integrated model was empirically assessed using self-administered questionnaires from 181 prospective big data analytics users in Moroccan banks and insurance firms and examined using partial least square (PLS) structural equation modeling. The results cover sample characteristics, an analysis of the validity and reliability of measurement models’ variables, an evaluation of the proposed hypotheses, and a discussion of the findings. Contribution: The paper makes a noteworthy contribution to the BDA adoption literature within the finance sector. It stands out by ingeniously amalgamating the Technology Acceptance Model (TAM) with Task-Technology Fit (TTF) while underscoring the critical significance of information quality, trust, and managerial support, due to their profound relevance and importance in the finance domain. Thus showing BDA has potential applications beyond the finance sector. Findings: The findings showed that TTF and trust’s impact on the intention to use is considerable. Information quality positively impacted perceived usefulness and ease of use, which in turn affected the intention to use. Moreover, managerial support moderates the correlation between perceived usefulness and the intention to use, whereas security did not affect the intention to use and managerial support did not moderate the influence of perceived ease of use. Recommendations for Practitioners: The results suggest that financial institutions can improve their adoption decisions for big data analytics (BDA) by understanding how users perceive it. Users are predisposed to use BDA if they presume it fits well with their tasks and is easy to use. The research also emphasizes the importance of relevant information quality, managerial support, and collaboration across departments to fully leverage the potential of BDA. Recommendation for Researchers: Further study may be done on other business sectors to confirm its generalizability and the same research design can be employed to assess BDA adoption in organizations that are in the advanced stage of big data utilization. Impact on Society: The study’s findings can enable stakeholders of financial institutions that are at the primary stage of big data exploitation to understand how users perceive BDA technologies and the way their perception can influence their intention toward their use. Future Research: Future research is expected to conduct a comparison of the moderating effect of managerial support on users with technical expertise versus those without; in addition, international studies across developed countries are required to build a solid understanding of users’ perceptions towards BDA.

Aim/Purpose: This study utilized a comprehensive framework to investigate the adoption of Business Analytics (BA) and its effects on performance in commercial banks in Jordan. The framework integrated the Technological-Organizational-Environmental (TOE) model, the Diffusion of Innovation (DOI) theory, and the Resource-Based View (RBV). Background: The recent trend of utilizing data for business operations and decision-making has positively impacted organizations. Business analytics (BA) is a leading technique that generates valuable insights from data. It has gained considerable attention from scholars and practitioners across various industries. However, guidance is lacking for organizations to implement BA effectively specific to their business contexts. This research aims to evaluate factors influencing BA adoption by Jordanian commercial banks and examine how its implementation impacts bank performance. The goal is to provide needed empirical evidence surrounding BA adoption and outcomes in the Jordanian banking sector. Methodology: The study gathered empirical data by conducting an online questionnaire survey with senior and middle managers from 13 commercial banks in Jordan. The participants were purposefully selected, and the questionnaire was designed based on relevant and well-established literature. A total of 307 valid questionnaires were collected and considered for data analysis. Contribution: This study makes a dual contribution to the BA domain. Firstly, it introduces a research model that comprehensively examines the factors that influence the adoption of BA. The proposed model integrates the TOE framework, DOI theory, and RBV theory. Combining these frameworks allows for a comprehensive examination of BA adoption in the banking industry. By analyzing the technological, organizational, and environmental factors through the TOE framework, understanding the diffusion process through the DOI theory, and assessing the role of resources and capabilities through the RBV theory, researchers and practitioners can better understand the complex dynamics involved. This integrated approach enables a more nuanced assessment of the factors that shape BA adoption and its subsequent impact on business performance within the banking industry. Secondly, it uncovers the effects of BA adoption on business performance. These noteworthy findings stem from a rigorous analysis of primary data collected from commercial banks in Jordan. By presenting a holistic model and delving into the implications for business performance, this research offers valuable insights to researchers and practitioners alike in the field of BA. Findings: The findings revealed that various technological (data quality, complexity, compatibility, relative advantage), organizational (top management support, organizational readiness), and environmental (external support) factors are crucial in shaping the decision to adopt BA. Furthermore, the study findings demonstrated a positive relationship between BA adoption and performance outcomes in Jordanian commercial banks. Recommendations for Practitioners: The findings suggest that Jordanian commercial banks should enforce data quality practices, provide clear standards, invest in data quality tools and technologies, and conduct regular data audits. Top management support is crucial for fostering a data-driven decision-making culture. Organizational readiness involves having the necessary resources and skilled personnel, as well as promoting continuous learning and improvement. Highlighting the benefits of BA helps overcome resistance to technological innovation and encourages adoption by demonstrating improved decision-making processes and operational efficiency. Furthermore, external support is crucial for banks to adopt Business Analytics (BA). Banks should partner with experienced vendors to gain expertise and incorporate best practices. Vendors also provide training and technical support to overcome technological barriers. Compatibility is essential for optimal performance, requiring managers to modify workflows and IT infrastructure. Complexity, including data, organizational, and technical complexities, is a major obstacle to BA adoption. Banks should take a holistic approach, focusing on people, processes, and technology, and prioritize data quality and governance. Building a skilled team, fostering a data-driven culture, and investing in technology and infrastructure are essential. Recommendation for Researchers: The integration of the TOE framework, the DOI theory, and the RBV theory can prove to be a powerful approach for comprehensively analyzing the various factors that influence BA adoption within the dynamic banking industry. Furthermore, this combined framework enables us to gain deeper insights into the subsequent impact of BA adoption on overall business performance. Impact on Society: Examining the factors influencing BA adoption in the banking industry and its subsequent impact on business performance can have wide-ranging societal implications. It can promote data-driven decision-making, enhance customer experiences, strengthen fraud detection, foster financial inclusion, contribute to economic growth, and trigger discussions on ethical considerations. Future Research: To further advance future research, there are several avenues to consider. One option is to broaden the scope by including a larger sample size, allowing for a more comprehensive analysis. Another possibility is to investigate the impact of BA adoption on various performance indicators beyond the ones already examined. Additionally, incorporating qualitative research methods would provide a more holistic understanding of the organizational dynamics and challenges associated with the adoption of BA in Jordanian commercial banks.

Aim/Purpose: This study aims to devise a personalized solution for online healthcare platforms that can alleviate problems arising from information overload and data sparsity by providing personalized healthcare services to patients. The primary focus of this paper is to develop an effective medicine recommendation approach for recommending suitable medications to patients based on their specific medical conditions. Background: With a growing number of people becoming more conscious about their health, there has been a notable increase in the use of online healthcare platforms and e-services as a means of diagnosis. As the internet continues to evolve, these platforms and e-services are expected to play an even more significant role in the future of healthcare. For instance, WebMD and similar platforms offer valuable tools and information to help manage patients’ health, such as searching for medicines based on their medical conditions. Nonetheless, patients often find it arduous and time-consuming to sort through all the available medications to find the ones that match their specific medical conditions. To address this problem, personalized recommender systems have emerged as a practical solution for mitigating the burden of information overload and data sparsity-related issues that are frequently encountered on online healthcare platforms. Methodology: The study utilized a dataset of MC ratings obtained from WebMD, a popular healthcare website. Patients on this website can rate medications based on three criteria, including medication effectiveness, ease of use, and satisfaction, using a scale of 1 to 5. The WebMD MC rating dataset used in this study contains a total of 32,054 ratings provided by 2,136 patients for 845 different medicines. The proposed HSMCCF approach consists of two primary modules: a semantic filtering module and a multi-criteria filtering module. The semantic filtering module is designed to address the issues of data sparsity and new item problems by utilizing a medicine taxonomy that sorts medicines according to medical conditions and makes use of semantic relationships between them. This module identifies the medicines that are most likely to be relevant to patients based on their current medical conditions. The multi-criteria filtering module, on the other hand, enhances the approach’s ability to capture the complexity of patient preferences by considering multiple criteria and preferences through a unique similarity metric that incorporates both distance and structural similarities. This module ensures that patients receive more accurate and personalized medication recommendations. Moreover, a medicine reputation score is employed to ensure that the approach remains effective even when dealing with limited ratings or new items. Overall, the combination of these modules makes the proposed approach more robust and effective in providing personalized medicine recommendations for patients. Contribution: This study addresses the medicine recommendation problem by proposing a novel approach called Hybrid Semantic-based Multi-Criteria Collaborative Filtering (HSMCCF). This approach effectively recommends medications for patients based on their medical conditions and is specifically designed to overcome issues related to data sparsity and new item recommendations that are commonly encountered on online healthcare platforms. The proposed approach addresses data sparsity and new item issues by incorporating a semantic filtering module and a multi-criteria filtering module. The semantic filtering module sorts medicines based on medical conditions and uses semantic relationships to identify relevant ones. The multi-criteria filtering module accurately captures patient preferences and provides precise recommendations using a novel similarity metric. Additionally, a medicine reputation score is also employed to further expand potential neighbors, improving predictive accuracy and coverage, particularly in sparse datasets or new items with few ratings. With the HSMCCF approach, patients can receive more personalized recommendations that are tailored to their unique medical needs and conditions. By leveraging a combination of semantic-based and multi-criteria filtering techniques, the proposed approach can effectively address the challenges associated with medicine recommendations on online healthcare platforms. Findings: The proposed HSMCCF approach demonstrated superior effectiveness compared to benchmark recommendation methods in multi-criteria rating datasets in terms of enhancing both prediction accuracy and coverage while effectively addressing data sparsity and new item challenges. Recommendations for Practitioners: By applying the proposed medicine recommendation approach, practitioners can develop a medicine recommendation system that can be integrated into online healthcare platforms. Patients can then utilize this system to make better-informed decisions regarding the medications that are most suitable for their specific medical conditions. This personalized approach to medication recommendations can ultimately lead to improved patient satisfaction. Recommendation for Researchers: Integrating patient medicine reviews is a promising way for researchers to elevate the proposed medicine recommendation approach. By leveraging patient reviews, the approach can gain a more comprehensive understanding of how certain medications perform for specific medical conditions. Additionally, exploring the relationship between MC-based ratings using an improved aggregation function can potentially enhance the accuracy of medication predictions. This involves analyzing the relationship between different criteria, such as medication effectiveness, ease of use, and satisfaction of the patients, and determining the optimal weighting for each criterion based on patient feedback. A more holistic approach that incorporates patient reviews and an improved aggregation function can enable the proposed medicine recommendation approach to provide more personalized and accurate recommendations to patients. Impact on Society: To mitigate the risk of infection during the COVID-19 pandemic, the promotion of online healthcare services was actively encouraged. This allowed patients to continue accessing care and receiving treatment while adhering to physical distancing guidelines and shielding measures where necessary. As a result, the implementation of personalized healthcare services for patients is expected to be a major disruptive force in healthcare in the coming years. This study proposes a personalized medicine recommendation approach that can effectively address this issue and aid patients in making informed decisions about the medications that are most suitable for their specific medical conditions. Future Research: One way that may enhance the proposed medicine recommendation approach is to incorporate patient medicine reviews. Furthermore, the analysis of MC-based ratings using an improved aggregation function can also potentially enhance the accuracy of medication predictions.

Aim/Purpose: This paper aims to empirically quantify the financial distress caused by the COVID-19 pandemic on companies listed on Amman Stock Exchange (ASE). The paper also aims to identify the most important predictors of financial distress pre- and mid-pandemic. Background: The COVID-19 pandemic has had a huge toll, not only on human lives but also on many businesses. This provided the impetus to assess the impact of the pandemic on the financial status of Jordanian companies. Methodology: The initial sample comprised 165 companies, which was cleansed and reduced to 84 companies as per data availability. Financial data pertaining to the 84 companies were collected over a two-year period, 2019 and 2020, to empirically quantify the impact of the pandemic on companies in the dataset. Two approaches were employed. The first approach involved using Multiple Discriminant Analysis (MDA) based on Altman’s (1968) model to obtain the Z-score of each company over the investigation period. The second approach involved developing models using Artificial Neural Networks (ANNs) with 15 standard financial ratios to find out the most important variables in predicting financial distress and create an accurate Financial Distress Prediction (FDP) model. Contribution: This research contributes by providing a better understanding of how financial distress predictors perform during dynamic and risky times. The research confirmed that in spite of the negative impact of COVID-19 on the financial health of companies, the main predictors of financial distress remained relatively steadfast. This indicates that standard financial distress predictors can be regarded as being impervious to extraneous financial and/or health calamities. Findings: Results using MDA indicated that more than 63% of companies in the dataset have a lower Z-score in 2020 when compared to 2019. There was also an 8% increase in distressed companies in 2020, and around 6% of companies came to be no longer healthy. As for the models built using ANNs, results show that the most important variable in predicting financial distress is the Return on Capital. The predictive accuracy for the 2019 and 2020 models measured using the area under the Receiver Operating Characteristic (ROC) graph was 87.5% and 97.6%, respectively. Recommendations for Practitioners: Decision makers and top management are encouraged to focus on the identified highly liquid ratios to make thoughtful decisions and initiate preemptive actions to avoid organizational failure. Recommendation for Researchers: This research can be considered a stepping stone to investigating the impact of COVID-19 on the financial status of companies. Researchers are recommended to replicate the methods used in this research across various business sectors to understand the financial dynamics of companies during uncertain times. Impact on Society: Stakeholders in Jordanian-listed companies should concentrate on the list of most important predictors of financial distress as presented in this study. Future Research: Future research may focus on expanding the scope of this study by including other geographical locations to check for the generalisability of the results. Future research may also include post-COVID-19 data to check for changes in results.

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.

Aim/Purpose: This study investigates the factors that affect the repurchase intentions of Generation Z consumers in India’s online shopping industry, focusing on combining the Expectation-Confirmation Model (ECM) and Extended Technology Acceptance Model (E-TAM). The aim is to understand the intricate behaviors that shape technology adoption and sustained usage, which are essential for retaining customers in e-commerce. Background: Social media and other online platforms have significantly influenced daily life and become essential communication tools owing to technological advancements. Online shopping is no exception, offering a range of product choices, information, and convenience compared with traditional commerce. Indian retailers recognize this trend as an opportunity to promote their brands through e-shopping platforms, leading to increased competition. Generation Z comprises 32% of the world’s population and is a significant emerging customer base in India. Numerous studies have been conducted to study customers’ repurchase intention in the online shopping domain, but few studies have explicitly focused on Generation Z as a customer base. This study aims to comprehensively understand the topic and investigate the variables that impact consumers’ online repurchase intention by examining their post-adoption behavioral processes. Methodology: The study employed a quantitative research design with structural equation modeling using AMOS to analyze responses from 410 participants. This method thoroughly examined hypotheses regarding factors affecting repurchase intention (security, ease of use, privacy, and internet self-efficacy) and the mediating role of e-satisfaction. Contribution: This study makes a unique contribution to the field of e-commerce by focusing on Generation Z in India, a rapidly growing demographic in the e-commerce industry. The results on the mediating role of e-satisfaction have significant implications for e-retailers seeking to enhance customer retention strategies and gain a competitive edge in the market. Findings: The research findings underscore the significant influence of security, ease of use, and internet self-efficacy on repurchase intentions, with e-satisfaction playing a pivotal role as a mediating factor. Notably, while privacy concerns did not directly impact repurchase intentions, they displayed considerable influence when mediated by e-satisfaction, highlighting the intricate interplay between these variables in the context of online shopping, which is the unique finding of this study. Recommendations for Practitioners: This study has several significant implications for practitioners. Effectively addressing computer-related individual differences, such as computer self-efficacy, is crucial for boosting online customers’ repurchase intention. For instance, if an e-retailer intends to target Generation Z customers, they should collaborate with IT professionals and develop various computer literacy programs on online streaming platforms, such as YouTube. These programs will enhance target customers’ confidence in online shopping portals and increase their online repeat purchases. Additionally, practitioners should strive to improve the online shopping experience by making the portal user-friendly. Generation Z is accustomed to a fast Internet experience, so they prefer that the process of completing online transactions is swift with fewer clicks. The search for products, payments, and redress should not be tedious. Furthermore, the primary objective of the e-retailer should be to satisfy customers, as satisfied customers repeat their purchases and increase overall profitability. Recommendation for Researchers: The current study was conducted in the Delhi-NCR region of India, and its findings could serve as a basis for future research. For instance, the scale devised in this study could be utilized to examine the impact of cash-on-delivery as a payment method on purchase intention across the country. Alternatively, a comparative analysis could be conducted to compare cash-on-delivery effects in various countries. Impact on Society: The study’s findings enable stakeholders in the online shopping industry to comprehend the post-adoption behavior of Generation Z users and augment existing literature by establishing a correlation between determinants that impact repurchase intention and e-satisfaction, which serves as a mediator. Future Research: This study examines the factors that impact the propensity of Generation Z shoppers to engage in repeat online purchases. This study focuses on India, where the Generation Y (millennial) customer base is also substantial within the online shopping market. Future research could compare the shopping habits of Generation Z and Generation Y customers, as the latter may place greater importance on privacy and security. Additional studies could broaden the scope of this research and explore the comparative viewpoints of both generations. Also, it would be advantageous to conduct in-depth interviews and longitudinal studies to acquire a more in-depth comprehension of the evolving digitalization of shopping.

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.

This paper aims to share the author's vision on possible research directions for big knowledge-based AI. A renewed definition of big knowledge (BK) and big knowledge systems (BKS) is first introduced. Then the first BKS model, called cloud knowledge social intelligence (CKEI) is provided with a hierarchy of knowledge as a service (KAAS). At last, a new semantics, the big-and-broad step axiomatic structural operational semantics (BBASOS) for applications on BKS is introduced and discussed with a practical distributed BKS model knowledge graph network KGN and a mini example.