Aim/Purpose: This study aimed to examine the relationships among compatibility, relative advantage, complexity, IT Infrastructure, security, top Management Support, financial Support, information Policies, employee engagement, customer pressure, competitive pressure, information integrity, information sharing, attitude toward adopting technology factors, and CRM adoption Background: Customer relationship management (CRM) refers to the use of the process, information, technology, and people for the management of the interactions between the organization and its customers. Therefore, there is a need for SMEs to implement CRM practices in their businesses for competitive advantage. However, in developing nations, the adoption rate of such practices remains low. This low rate may be attributed to the lack of important factors that guide CRM adoption, and as such, the present study attempts to investigate the factors affecting CRM adoption in Palestinian SMEs. This paper used the Diffusion of Innovation Theory (DOI), Resource-Based View (RBV), and Technology, Organization, and Environment Framework (TOE) framework to identify the determinant factors from the technological, organizational, environmental, and information culture perspectives. Methodology: This study uses a quantitative approach to investigate the relationships between the variables. A questionnaire was designed to collect data from 420 SMEs in Palestine. 331respondents completed and returned the survey. The Partial Least Square-Structural Equation Model (PLS-SEM) approach was used to assess both the measurement and structural models. Contribution: This study contributes to both theory and practitioners by providing insights into factors that affect CRM adoption in Palestinian SMEs, which did not explore before. Future research suggestions are also provided. Findings: The results of the study prove that the adoption of CRM depends on compatibility (CMP), security (SEC), top management support (TMS), information policies (INP), financial resources (FR), employee engagement (EEN), competitive pressure (COP), customers pressure (CUP), attitude toward adopting technology (ATA), information integrity (INI), and information sharing (INS). Surprisingly, complexity (CMX), IT infrastructure (ITI), and relative advantage (RLA) do not play any role in CRM adoption in Palestine. Recommendations for Practitioners: This study provides practitioners with the important factors for CRM adoption upon its successful implementation in the context of Palestinian SMEs. Recommendation for Researchers: Our findings may be used to conduct further studies about compatibility, security, top management support, information policies, financial resources, employee engagement, competitive pressure, customers pressure, attitude toward adopting technology, information integrity, information sharing factors, and CRM adoption by using different countries, procedure, and context. Impact on Society: The proposed framework provides insights for SMEs which have significant effects for research and practice to help facilitate the adoption of CRM Future Research: The findings may also be compared to other studies conducted in different contexts and provide deeper insights into the influence of the examined contexts on the employees’ intention toward CRM adoption in banking and universities. It would be fruitful to test whether the results hold true in developed and developing countries.

Aim/Purpose: This study aims to identify the main factors influencing consumers’ adoption of social commerce (s-commerce). Based on the socio-technical theory, the study suggests a research model that investigates the key social and technical factors driving consumers’ decision to purchase from social commerce websites. In addition, the research model explores the interactive relationship among these factors. Background: The phenomenon of social commerce (s-commerce) has emerged due to the increased penetration of social media and the rapid development of Web 2.0 technologies. Electronic commerce (e-commerce) companies have made significant efforts to shift their operations to s-commerce. Therefore, to facilitate their efforts to transform, various research has been conducted to investigate the main factor influencing the adoption of s-commerce. Most of these studies have emphasised the social aspects related to s-commerce design features to understand how the use of advanced web technologies influence how customers interact with each other in s-commerce environments. However, s-commerce is viewed as a socio-technical system that requires the investigation of both social and technical factors to help in the design of effective s-commerce platforms. Methodology: To validate the proposed research model, 418 paper-based and online questionnaires were collected from online shoppers in Jordan. The Structure Equation Modelling (SEM) approach was used to test the proposed hypotheses. Contribution: This study offers a research model that serves as a theoretical framework for investigating customers’ behaviour in s-commerce environment. It represents a strong context-specific model that includes both the technical and social facilitators of s-commerce. The research model participates in gaining an improved understanding of how customers’ intention, actual purchase and post-purchase experience are formed in the s-commerce environment. Findings: The results of Structure Equation Modelling (SEM) reveal that s-commerce constructs, familiarity and user experience have a positive influence on the perceived usefulness and perceived ease of use of s-commerce. In addition, perceptions of its usefulness and ease of use have a positive influence on trust, which in turn influences the purchase intention and the actual purchase. Finally, the post-purchase experience significantly influences both trust and purchase intention. Recommendations for Practitioners: This study shows that social commerce constructs strengthen customers’ perceptions of usefulness. S-commerce service providers are required to provide their customers with various channels to seek social support. Both familiarity and user experience are key enablers of customers’ perceived ease of use. S-commerce service providers consider the variation in customers’ familiarity and experience with s-commerce websites because this has a significant influence on purchase intentions and behaviour. Consequently, system designers should offer useful and sufficient information and tutorials that effectively guide customers in their searching, decision-making and purchasing activities throughout the shopping process. S-commerce service providers should understand the importance of providing secure payment systems and make their privacy policies clear to customers. Post-purchase experience has an influential role in reinforcing customers’ trust and purchase intention. The findings confirm the important role of post-purchase experience in retaining customers by improving their trust and repurchase intention. Therefore, making a customer’s post-purchase experience pleasant should be a key priority for s-commerce service providers because it has a significant influence on customers’ trust and repurchase intentions. Recommendation for Researchers: This study offers a unidimensional conceptualisation of the design features of s-commerce. These features include three main forms: recommendations and referrals, communities and forums, and reviews and ratings. Such conceptualisation provides additional insights and an understanding of the activities of information sharing in s-commerce. The significance of the technical side of s-commerce is highlighted and empirical proof is provided that social interactions guided by social technologies enhance customers’ perceived usefulness of an s-commerce website, thus increasing their trust and intention to purchase which leads to an actual purchase. This offers insights into the various types of s-commerce characteristics that contribute to facilitating customers’ purchase behaviour on s-commerce websites. Impact on Society: The findings offer insights which have important implications for research and practice to help facilitate the adoption of s-commerce. Future Research: This study considered the s-commerce websites as a homogenous online environment. Additional research could collect data from diverse online communities, such as professional groups, to provide a comprehensive understanding of how a wider variety of user behaviour is affected. Second, this was a quantitative study based on data collected in a questionnaire. Further studies may consider using qualitative or mixed methodologies (i.e. focus groups and interviews) to explore other technical and social factors that influence the use of s-commerce.

Aim/Purpose: To examine millennial satisfaction towards online food delivery services, including e-service quality, food quality, and perceived value as the determinants and behavioral intention as the consequence. Background: Among the generational cohorts, millennials are a demanding target group for many retailers, including restaurants. Despite many studies examining millennial behavior in the restaurant context, almost no research on millennial attitudes and behavior in the context of online food home delivery service can be found. Methodology: For this research, 332 millennials completed a self-administered survey in Indonesia. To assess the associations between satisfaction and its determinants and consequences, this study employs Partial Least Square modeling. Contribution: This research extends existing knowledge of millennial satisfaction toward online food delivery service by highlighting that food quality, e-service quality and perceived value are the main determinants of satisfaction for online food purchasing among millennials. Further, this study offers support for the spillover theory in the online food home delivery service from millennial perspective. Findings: This study uncovers the important direct dual influences of e-service quality and food quality on millennial satisfaction with online food delivery services. Further, this study notes that e-service and food quality also have an indirect influence on satisfaction via perceived value. Moreover, satisfied millennial customers are more likely to re-purchase, recommend to others, and re-purchase at an increased price. Recommendations for Practitioners: For small and medium restaurants, it is suggested that they need to focus solely on their core business of providing food. If they want to offer an e-service, they should develop strategic cooperation with one or more online service providers. Recommendation for Researchers: Millennials tend to repurchase, recommend, and be willing to pay more in the future extends the existing models that look at the associations among quality, satisfaction and behavioral intention. Thus, in online restaurant purchasing services, both e-service quality and food quality should be included in the future research models. Impact on Society: This study could help restaurant industries to increase their business performance and, indirectly, impact on society as a whole by providing high quality food, employment opportunities, and tax revenues. Future Research: Future researchers can reassess the model in different countries and/or with other generation cohorts as well as including other variables such as trust, image, involvement, as well as socio-demographic factors.

Aim/Purpose: This study empirically analyzed and examined the effectiveness of the online advocacy banners on customers’ reactions to make replacements with the similar products in their shopping carts. Background: When a product in a shopping cart is removed, it might be put back into the cart again during the same purchase or it may be bought in the future. Otherwise, it might be abandoned and replaced with a similar item based on the customer’s enquiry list or on the recommendation of banners. There is a lack of understanding of this phenomenon in the existing literature, pointing to the need for this study. Methodology: With a database from a Taiwanese e-retailer, data were the tracks of empirical webpage clickstreams. The used data for analyses were particularly that the products were purchased again or replaced with the similar ones upon the advocacy banners being shown when they were removed from customers’ shopping carts. Few pre-defined Apriori rules as well as similarity algorithm, Jaccard index, were applied to derive the effectiveness. Contribution: This study addressed a measurement challenge by leveraging the information from clickstream data – particularly clickstream data behavior. These data are most useful to observe the real-time behavior of consumers on websites and also are applied to studying click-through behavior, but not click-through rates, for web banners. The study develops a new methodology to aid advertisers in evaluating the effectiveness of their banner campaign. Findings: The recommending/advocating titles of “you probably are interested” and “the most viewed” are not significantly effective on saving back customers’ removed products or repurchasing similar items. For the banners entitled “most buy”, “the most viewed” might only show popularity of the items, but is not enough to convince them to buy. At the current stage on the host website, customers may either not trust in the host e-retailer or in such mechanism. Additionally, the advocating/recommending banners only are effective on the same customer visits and their effects fade over time. As time passes, customers’ impressions of these banners may become vague. Recommendations for Practitioners: One managerial implication is more effective adoption of advocacy/recommendation banners on e-retailing websites. Another managerial implication is the evaluation of the advocacy/recommendation banners. By using a data mining technique to find the association between removed products and restored ones in e-shoppers’ shopping carts, the approach and findings of this study, which are important for e-retailing marketers, reflect the connection between the usage of banners and the personalized purchase changes in an individual customer’s shopping cart. Recommendation for Researchers: This study addressed a new measurement which challenges to leverage the information from clickstream data instead of click-through rates – particularly retailing webpages browsing behavior. These data are most useful to observe the real-time behavior of consumers on websites and also are applied to studying click-through behavior. Impact on Society: Personalization has become an important technique that allows businesses to improve both sales and service relationships with their online customers. This personalization gives e-marketers the ability to deliver real effectiveness in the use of banners. Future Research: The effectiveness is time- and case-sensible. Business practitioners and academic researchers are encouraged to apply the mining methodology to longevity studies, specific marketing campaigns of advertising and personal recommendations, and any further recommendation algorithms.

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.

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: Currently, the world faces unprecedented challenges due to COVID-19, particularly concerning individuals’ health and livelihood and organizations and industrial performance. Indeed, the pandemic has caused rapid intensifying socio-economic effects. For instance, organizations are shifting from traditional working patterns toward telecommuting. By adopting remote working, organizations might mitigate the impact of COVID-19 on their workforce, explicitly concerning their safety, wellbeing, mobility, work-life balance, and self-efficiency. From this perceptive, this study examines the factors that influence employees’ behavioral intention to adopt telecommuting in the banking industry. Background: The study’s relevance stems from the fact that telecommuting and its benefits have been assumed rather than demonstrated in the banking sector. However, the pandemic has driven the implementation of remote working, thereby revealing possible advantages of working from home in the banking industry. The study investigated the effect of COVID-19 in driving organizations to shift from traditional working patterns toward telecommuting. Thereby, the study investigates the banking sector employees’ behavioral intention to adopt telecommuting. Methodology: The study employed a survey-based questionnaire, which entails gathering data from employees of twelve banks in Jordan, as the banking sector in Jordan was the first to transform from traditional working to telecommuting. The sample for this research was 675 respondents; convenience sampling was employed as a sampling technique. Subsequently, the data were analyzed with the partial least square structural equation modeling (PLS-SEM) to statistically test the research model. Contribution: Firstly, this study provides a deep examination and understanding of facilitators of telecommuting in a single comprehensive model. Secondly, the study pro-vides a deeper insight into the factors affecting behavioral intention towards telecommuting from the employees’ perspective in the banking sector. Finally, this study is the first to examine telecommuting in the emerging market of Jordan. Thereby, this study provides critical recommendations for managers to facilitate the implementation of telecommuting. Findings: Using the Technology Acceptance Model (TAM), this study highlights significant relationships between telecommuting systems, quality, organizational support, and the perceived usefulness and ease of use in telecommuting. Employees who perceive telecommuting systems to be easy and receive supervision and training for using these systems are likely to adopt this work scheme. The results present critical theoretical and managerial implications regarding employees’ behavioral intentions toward telecommuting. Recommendations for Practitioners: This study suggests the importance of work-life balance for employees when telecommuting. Working from home while managing household duties can create complications for employees, particularly parents. Therefore, flexibility in terms of working hours is needed to increase employees’ acceptance of telecommuting as they will have more control over their life. These increase employees’ perceived self-efficacy with telecommuting, which smooths the transition toward remote working in the future. In addition, training will allow employees to solve technical issues that can arise from using online systems. Recommendation for Researchers: This study focused on the context of the banking sector. The sensitivity of data and transactions in this sector may influence employers’ and employees’ willingness to work remotely. In addition, the job descriptions of employees in banks moderate specific factors outlined in this model, including work-life balance. For instance, executive managers may have a higher overload in banks in contrast to front-line employees. Thus, future studies should explore different contexts, including manufacturing and consultation, to understand the industry’s effect on remote working. Similarly, future research should concentrate on the influence of job descriptions on employees’ intentions toward telecommuting. Impact on Society: The COVID-19 pandemic created a sudden shift towards telecommuting, which made employees struggle to adopt new work schemes. Therefore, managers had to provide training for their employees to be well prepared and increase their acceptance of telecommuting. Furthermore, telecommuting has a positive effect on work-life balance, it provides employees with the flexibility to organize their daily schedule into more activities. Along the same line, the study highlighted the correlation between work-life balance and telecommuting. Such a relationship provides further evidence for the need to understand employees’ lifestyles in facilitating the adoption of telecommuting. Moreover, the study extends the stream of literature by outlining critical factors affecting employees’ acceptance of telecommuting. Future Research: Future studies should explore different contexts, including manufacturing and consultation, to understand the industry’s effect on remote working. Similarly, future research should concentrate on the influence of job descriptions on employees’ intentions toward telecommuting. Furthermore, the research team conducted the study by surveying 12 banks. Future research recommends surveying the whole banking industry to add more validation to the model.

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: This study aimed to explore the impact of environmental drivers and trust on consumers’ adoption of Fintech services in the Jordanian context. It had also evaluated the mediating role of trust on the relation between environmental drivers and consumers adoption of Fintech services. Background: The reviewed studies on Fintech adoption demonstrated a lack of focus on the role of external or environmental drivers on consumers’ intentions to use and continue to use of Fintech services. Amongst the analyzed studies, the majority had examined the role of consumers perception of services usefulness and ease of use while few had included some environmental variables within the investigated variables such as social influence and government support. Furthermore, shortage of Fintech adoption related research in the developing countries, especially the Jordanian context was noted. Methodology: The study conceptual model was derived from Social Cognitive Theory (SCT) and Technological Personal Environmental (TPE) framework. This study was a quantitative one that employed survey method to empirically address its research questions and test the proposed hypotheses. Jordanian residents over the age of 18 who are familiar with Fintech were targeted, and convenience sampling was applied to get representative sample. Data was assembled from 323 respondents using an online questionnaire. Partial Least Squares Structure Equation Modeling (PLS-SEM) was applied to analyze the gathered data through SMART-PLS software. Contribution: This article adds to the existing literature on multiple stands, as it adds to literature related to Fintech adoption, as well as the interaction between consumer environment and their level of adoption. It also enriches the limited literature on the influence of COVID-19 to drive consumer usage of innovative services. Moreover, it supplements the scarce literature on Fintech adoption in the Jordanian settings. Findings: The main findings revealed the positive influence of both environmental drivers and trust as predictors of consumer intention to use Fintech services. It had also asserted the positive mediating effect of trust on the relationship amongst environmental drivers and consumer usage intent. Recommendations for Practitioners: By understanding the importance of consumer environment and trust on encouraging consumer to adopt Fintech services, governments, policy makers and practitioners can utilize this knowledge to adopt their offered services. They need to work on enhancing the technological infrastructure, as well as establishing general technological knowledge. They also need to highlight the role of Fintech service in fighting Covid-19, by adhering to the social distancing rules. Moreover, they need to guarantee the security and reliability of the developed services to increase their level of trust in the offered services. Recommendation for Researchers: This research has confirmed the positive influence of consumer environment represented by social influence, government support, technological readiness, and COVID-19 on their adoption of Fintech services. It has also established the mediating influence of consumer trust on the relation between environmental drivers and consumer intent to use Fintech services. This area is unexplored and needs more validation. Impact on Society: By understanding the factors affecting the Jordanian society in adopting Fintech services, this research provides set of recommendation to the Jordanian government and policy makers that can lead for more adoption of the developed Fintech services, which in turn would lead to better services provided to the society as well as increasing the financial inclusion level in the Jordanian society. Future Research: Future research can explore other environmental variables that were not included in the current research. Future research can also investigate the moderating effect of personal attributes such as consumer’s demographics, or more personal attributes such as self-efficacy, inherit innovativeness or risk aversion. It can also examine the moderating effect of financial literacy and/ or technological background.

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.

Aim/Purpose: This paper aims to analyze how artisans in Ghana are incorporating mobile commerce into their everyday business and how perceived usefulness, perceived ease of use, subjective norms, age, gender, expertise, and educational level affected the adoption and usage of m-commerce. Background: This study integrates well-established theoretical models to create a new conceptual model that ensures a comprehensive mobile commerce adoption survey. Methodology: A cross-sectional survey was conducted to measure the constructs and their relations to test the research model. Contribution: The study’s findings confirmed previous results and produced a new conceptual model for mobile commerce adoption and usage. Findings: Except for gender, perceived ease of use, and subjective norms that did not have specific effects on mobile commerce adoption, age, educational level, perceived usefulness, expertise, attitude, and behavioral intention showed significant effects. Recommendations for Practitioners: First of all, mobile commerce service providers should strategically pay critical attention to customer-centered factors that positively affect the adoption of mobile commerce innovations than focusing exclusively on technology-related issues. Mobile service providers can attract more users if they carefully consider promoting elements like perceived usefulness and perceived ease of use which directly or indirectly affect the individuals’ decision to adopt information technology from consumer perspectives. Second, mobile commerce service providers should strategically focus more on younger individuals since, per the research findings, they are more likely to adopt mobile commerce innovations than the older folks in Ghana. Third, service providers should also devise strategies to retain actual users of m-commerce by promoting elements like behavioral intentions and attitude, which according to the research findings, have a higher predictive power on actual usage of m-commerce. Recommendation for Researchers: The conceptual model developed can be employed by researchers worldwide to analyze technology acceptance research. Impact on Society: The study’s findings suggested that mobile commerce adoption could promote a cashless society that is convenient for making buying things quicker and easier. Future Research: The research sample size could be increased, and also the study could all sixteen regions in Ghana or any other country for a broader representation.

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 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.

Aim/Purpose: Blockchain technology (BCT) has emerged as a potential catalyst for transforming government institutions and services, yet the adoption of blockchain in governments faces various challenges, for which previous studies have yet to provide practical solutions. Background: This study aims to identify and analyse barriers, potential solutions, and their relations in implementing BC for governments through a systematic literature review (SLR). The authors grouped the challenges based on the Technology-Organisation-Environment (TOE) framework while exercising a thematic grouping for the solutions, followed by a comprehensive mapping to unveil the relationship between challenges and solutions. Methodology: This study employs the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) 2020 methodology, combined with the tollgate method, to improve the quality of selected articles. The authors further administer a three-level approach (open coding, axial coding, and selective coding) to analyse the challenges and solutions from the articles. Contribution: The authors argue that this study enriches the existing literature on BC adoption, particularly in the government context, by providing a comprehensive framework to analyse and address the unique challenges and solutions, thus contributing to the development of new theories and models for future research in BC adoption in government settings and fostering deeper exploration in the field. Findings: The authors have unveiled 40 adoption challenges categorised using the TOE framework. The most prevalent technological challenges include security concerns and integration & interoperability, while cultural resistance, lack of support and involvement, and employees’ capability hinder adoption at the organisational level. Notably, the environmental dimension lacks legal and standard frameworks. The study further unveils 28 potential solutions, encompassing legal frameworks, security and privacy measures, collaboration and governance, technological readiness and infrastructure, and strategic planning and adoption. The authors of the study have further mapped the solutions to the identified challenges, revealing that the establishment of legal frameworks stands out as the most comprehensive solution. Recommendations for Practitioners: Our findings provide a big picture regarding BC adoption for governments around the globe. This study charts the problems commonly encountered by government agencies and presents proven solutions in their wake. The authors endeavour practitioners, particularly those in governments, to embrace our findings as the cornerstone of BC/BCT adoption. These insights can aid practitioners in identifying existing or potential obstacles in adopting BC, pinpointing success factors, and formulating strategies tailored to their organisations. Recommendation for Researchers: Researchers could extend this study by making an in-depth analysis of challenges or solutions in specific types of countries, such as developed and developing countries, as the authors believe this approach would yield more insights. Researchers could also test, validate, and verify the mapping in this study to improve the quality of the study further and thus can be a great aid for governments to adopt BC/BCT fully. Impact on Society: This study provides a comprehensive exploration of BC adoption in the government context, offering detailed explanations and valuable insights that hold significant value for government policymakers and decision-makers, serving as a bedrock for successful implementation by addressing roadblocks and emphasising the importance of establishing a supportive culture and structure, engaging stakeholders, and addressing security and privacy concerns, ultimately enhancing the efficiency and effectiveness of BC adoption in government institutions and services. Future Research: Future research should address the limitations identified in this study by expanding the scope of the literature search to include previously inaccessible sources and exploring alternative frameworks to capture dynamic changes and contextual factors in BC adoption. Additionally, rigorous scrutiny, review, and testing are essential to establish the practical and theoretical validity of the identified solutions, while in-depth analyses of country-specific and regional challenges will provide valuable insights into the unique considerations faced by different governments.

Aim/Purpose: This study aims to evaluate the success of ERP post-implementation and the factors that affect the overall success of the ERP system by integrating the Task Technology Fit (TTF) model into the Information System Success Model (ISSM). Background: Not all ERP implementations provide the expected benefits, as post-implementation challenges can include inflexible ERP systems and ongoing costs. Therefore, it is necessary to evaluate the success after ERP implementation, and this research integrates the Task Technology Fit (TTF) model into the Information System Success Model (ISSM). Methodology: For data analysis and the proposed model, the authors used SmartPLS 3 by applying the PLS-SEM test and one-tailed bootstrapping. The researchers distributed questionnaires online to 115 ERP users at a construction company in Indonesia and successfully got responses from 95 ERP users. Contribution: The results obtained will be helpful and essential for future researchers and Information System practitioners – considering the high failure rate in the use of ERP in a company, as well as the inability of organizations and companies to exploit the benefits and potential that ERP can provide fully. Findings: The results show that Perceived Usefulness, User Satisfaction, and Task-Technology Fit positively affect the Organizational Impact of ERP implementation. Recommendations for Practitioners: The findings can help policymakers and CEOs of businesses in Indonesia’s construction sector create better business strategies and use limited resources more effectively and efficiently to provide a considerably higher probability of ERP deployment. The findings of this study were also beneficial for ERP vendors and consultants. The construction of the industry has specific characteristics that ERP vendors should consider. Construction is a highly fragmented sector, with specialized segments demanding specialist technologies. Several projects also influence it. They can use them to identify and establish several alternative strategies to deal with challenges and obstacles that can arise during the installation of ERP in a firm. Vendors and consultants can supply solutions, architecture, or customization support by the standard operating criteria, implement the ERP system and train critical users. The ERP system vendors and consultants can also collaborate with experts from the construction sector to develop customized alternatives for construction companies. That would be the most outstanding solution for implementing ERP in this industry. Recommendation for Researchers: Future researchers can use this combined model to study ERP post-implementation success on organizational impact with ERP systems in other company information systems fields, especially the construction sector. Future integration of different models can be used to improve the proposed model. Integration with models that assess the level of Information System acceptance, such as Technology Acceptance Model 3 (TAM3) or Unified Theory of Acceptance and Use of Technology 2 (UTAUT2), can be used in future research to deepen the exploration of factors that influence ERP post-implementation success in an organization. Impact on Society: This study can guide companies, particularly in the construction sector, to maintain ERP performance, conduct training for new users, and regularly survey user satisfaction to ensure the ERP system’s reliability, security, and performance are maintained and measurable. Future Research: It is increasing the sample size with a larger population at other loci (private and state-owned) that use ERP to see the factors influencing ERP post-implementation success and using mixed methods to produce a better understanding. With varied modes, it is possible to get better results by adding unique factors to the research, and future integration of other models can be used to improve the proposed model.

Aim/Purpose: The UAE and other Middle Eastern countries suffer from various cybersecurity vulnerabilities that are widespread and go undetected. Still, many UAE government organizations rely on human-centric approaches to combat the growing cybersecurity threats. These approaches are ineffective due to the rapid increase in the amount of data in cyberspace, hence necessitating the employment of intelligent technologies such as AI cybersecurity systems. In this regard, this study investigates factors influencing users’ intention to adopt AI-based cybersecurity systems in the UAE. Background: Even though UAE is ranked among the top countries in embracing emerging technologies such as digital identity, robotic process automation (RPA), intelligent automation, and blockchain technologies, among others, it has experienced sluggish adoption of AI cybersecurity systems. This selectiveness in adopting technology begs the question of what factors could make the UAE embrace or accept new technologies, including AI-based cybersecurity systems. One of the probable reasons for the slow adoption and use of AI in cybersecurity systems in UAE organizations is the employee’s perception and attitudes towards such intelligent technologies. Methodology: The study utilized a quantitative approach whereby web-based questionnaires were used to collect data from 370 participants working in UAE government organizations considering or intending to adopt AI-based cybersecurity systems. The data was analyzed using the PLS-SEM approach. Contribution: The study is based on the Protection Motivation Theory (PMT) framework, widely used in information security research. However, it extends this model by including two more variables, job insecurity and resistance to change, to enhance its predictive/exploratory power. Thus, this research improves PMT and contributes to the body of knowledge on technology acceptance, especially in intelligent cybersecurity technology. Findings: This paper’s findings provide the basis from which further studies can be conducted while at the same time offering critical insights into the measures that can boost the acceptability and use of cybersecurity systems in the UAE. All the hypotheses were accepted. The relationship between the six constructs (perceived vulnerability (PV), perceived severity (PS), perceived response efficacy (PRE), perceived self-efficacy (PSE), job insecurity (JI), and resistance to change (RC)) and the intention to adopt AI cybersecurity systems in the UAE was found to be statistically significant. This paper’s findings provide the basis from which further studies can be conducted while at the same time offering critical insights into the measures that can boost the acceptability and use of cybersecurity systems in the UAE. 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. PSE and PRE were found to be positively related to the intention to adopt AI-based cybersecurity systems, suggesting the need for practitioners to focus on them. The government can enact legislation that emphasizes the simplicity and awareness of the benefits of cybersecurity systems in organizations. Recommendation for Researchers: Further research is needed to include other variables such as facilitating conditions, AI knowledge, social influence, and effort efficacy as well as other frameworks such as UTAUT, to better explain individuals’ behavioral intentions to use cybersecurity systems in the UAE. Impact on Society: This study can help all stakeholders understand what factors can increase users’ interest in investing in the applications that are embedded with security. As a result, they 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 cybersecurity systems such as facilitating conditions, AI knowledge, social influence, effort efficacy, as well other variables from UTAUT. International research across nations is also required to build a larger sample size to examine the behavior of users.

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.

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.

Aim/Purpose: This study investigated factors influencing the intention to engage in green innovation among small and medium enterprises (SMEs) in the tourism sector, using an integrated approach from the pro-environmental planned behavior (PEPB) and technology organization environment (TOE) models. Background: Green innovation is a long-term strategy aimed at addressing environmental challenges in the Indonesian tourism sector, especially those related to SMEs in culinary, accommodation, transportation, and creative industries. While prior research primarily focused on innovation characteristics and various behavioral intentions towards new technologies, this study pioneered an approach to understanding green innovation practices among SMEs by examining behavioral intention and the influence of internal organizational and external environmental factors. This was achieved through the PEPB model, which extends the theory of planned behavior (TPB) by incorporating perceived authority support and perceived environmental concern and integrating it with the TOE model. This comprehensive approach was crucial for understanding SME motivations, needs, and challenges in adopting green innovation, thereby supporting environmental sustainability. Methodology: Data were collected through offline and online questionnaires and interviews with 405 SMEs that had implemented green innovation as respondents. The theoretical model was tested using partial least squares structural equation modeling (PLS-SEM) with top-level constructs. Contribution: This research contributed to the development and validation of an integrated model for green innovation in SMEs, offering insights and recommendations for all stakeholders in the tourism sector to formulate effective green innovation strategies. Findings: This research revealed that the integrated model of pro-environmental planned behavior and technology organization environment successfully explained 71% of the factors influencing the intention to engage in green innovation for SMEs in the tourism sector. Perceived authority support emerged as the strongest factor, while perceived behavioral control was identified as a weaker factor. Recommendations for Practitioners: The research findings recommended that SMEs in the tourism sector focus on customer satisfaction and operational efficiency and optimize the recruitment and training processes of resources to maximize success in adopting environmentally friendly innovations. Meanwhile, for the government, providing support, incentives, and stringent environmental regulations could encourage sustainable business practices. Recommendation for Researchers: The research findings recommended that SMEs in the tourism sector focus on customer satisfaction and operational efficiency and optimize the recruitment and training processes of resources to maximize success in adopting environmentally friendly innovations. Meanwhile, for the government, providing support, incentives, and stringent environmental regulations could encourage sustainable business practices. Impact on Society: Examining the factors influencing the intention to engage in green innovation among SMEs in the tourism sector carried significant social implications. The findings contributed to recommending strategies for businesses and stakeholders such as the government, investors, and tourists to collectively strive to minimize environmental damage in tourist areas through the implementation of green innovation. Future Research: There are several promising avenues to explore to enhance future research. Expanding the scope to include diverse regions and industries and using additional approaches, such as leadership theory and management commitment theories, can increase the R-squared value. Additionally, broadening the profile of interviewees to obtain a more comprehensive understanding of the intention to engage in green innovation should be considered.

Aim/Purpose: The last decade has witnessed a tremendous progression in mobile penetration across the world and, most importantly, in developing countries like India. This research aims to investigate and analyze the factors influencing the adoption of mobile payments (M-payments) in the Indian rural population. This, in turn, would bring about positive changes in the lives of people in these countries. Background: A conceptual framework was worked upon using UTAUT as a foundation, which included constructs, namely, facilitating conditions, social influences, performance expectancy, and effort expectancy. The model was further extended by incorporating the awareness construct of m-payments to make it more comprehensive and to understand behavioral intentions and usage behavior for m-payments in rural India. Methodology: A questionnaire-based study was conducted to collect primary data from 410 respondents residing in rural areas in the state of Punjab. Convenience sampling was conducted to collect the data. Structural equation modeling was used to conduct statistical analysis, including exploratory and confirmatory factor analyses. Contribution: A new conceptual model for M-payments adoption in rural India was developed based on the study’s findings. Using the findings of the study, marketers, policymakers, and academicians can gain insight into the factors that motivate the rural population to use M-payments. Findings: The study has found that M-payment Awareness (AW) is the strongest factor within the proposed model for deeper diffusion of M-payments in rural areas in the state of Punjab. Performance expectancy (PE), effort expectancy (EE), social influences (SI), and facilitating conditions (FC) are also positively and significantly related to behavioral intentions for using M-payments among the Indian rural population in the state of Punjab. Recommendations for Practitioners: M-payments are emerging as a new mode of transactions among the Indian masses. The government needs to play a pivotal role in advocating the benefits linked with the usage of M-payments by planning financial literacy and awareness campaigns, promoting transparency and accountability of the intermediaries, and reducing transaction costs of using M-payments. Mobile manufacturing companies should come up with devices that are easy to use and incorporate multilanguage mobile applications, especially for rural areas, as India is a multi-lingual country. A robust regulatory framework will not only shape consumer trust but also prevent privacy breaches. Recommendation for Researchers: It is recommended that a comparative study among different M-payment platforms be conducted by exploring constructs such as usefulness and ease of use. However, the vulnerability of data leakage may result in insecurity and skepticism about its adoption. Impact on Society: India’s rural areas have immense potential for adoption of M-payments. Appropriate policies, awareness drives, and necessary infrastructure will boost faster and smoother adoption of M-payments in rural India to thrive in the digital economy. Future Research: The adapted model can be further tested with moderating factors like age, gender, occupation, and education to understand better the complexities of M-payments, especially in rural areas of India. Additionally, cross-sectional studies could be conducted to evaluate the behavioral intentions of different sections of society.

Aim/Purpose: This research aims to design a website-based group decision support system (DSS) user interface to support an integrated and sustainable waste management plan in Jagatera. The main focus of this research is to design a group DSS to help Jagatera prioritize several waste alternatives to be managed so that Jagatera can make the right decisions to serve the community. Background: The Indonesian government and various stakeholders are trying to solve the waste problem. Jagatera, as a waste recycling company, plays a role as a stakeholder in managing waste. In 2024, Jagatera plans to accept all waste types, which impacts the possibility of increasing waste management costs. If Jagatera does not have a waste management plan, this will impact reducing waste management services in the community. To solve this problem, the group DSS assists Jagatera in prioritizing waste based on aspects of waste management cost. Methodology: Jagatera, an Indonesian waste recycling company, is implementing a group DSS using the soft system methodology (SSM) method. The SSM process involves seven stages, including problem identification, problem explanation using rich pictures, system design, conceptual model design, real-life comparison, changes, and improvement steps. The final result is a prototype user interface design addressing the relationship between actors and the group DSS. The analytical hierarchy process (AHP) method prioritized waste based on management costs. This research obtained primary data from interviews with Jagatera management, a literature review regarding the group DSS, and questionnaires to determine the type of waste and evaluate user interface design. Contribution: This research focuses on determining waste handling priorities based on their management. It contributes the DSS, which uses a decision-making approach based on management groups developed using the SSM and AHP methods focused on waste management decisions. It also contributes to the availability of a user interface design from the DSS group that explains the interactions between actors. The implications of the availability of DSS groups in waste recycling companies can help management understand waste prioritization problems in a structured manner, increase decision-making efficiency, and impact better-quality waste management. Combining qualitative approaches from SSM to comprehend issues from different actor perspectives and AHP to assist quantitative methods in prioritizing decisions can yield theoretical implications when using the SSM and AHP methods together. Findings: This research produces a website-based group DSS user interface design that can facilitate decision-making using AHP techniques. The user interface design from the DSS group was developed using the SSM approach to identify complex problems at waste recycling companies in Indonesia. This study also evaluated the group DSS user interface design, which resulted in a score of 91.67%. This value means that the user interface design has met user expectations, which include functional, appearance, and comfort needs. These results also show that group DSS can enhance waste recycling companies’ decision-making process. The results of the AHP technique using all waste process information show that furniture waste, according to the CEO, is given more priority, and textile waste, according to the Managing Director. Group DSS developed using the AHP method allows user actors to provide decisions based on their perspectives and authority. Recommendations for Practitioners: This research shows that the availability of a group DSS is one of the digital transformation efforts that waste recycling companies can carry out to support the determination of a sustainable waste management plan. Managers benefit from DSS groups by providing a digital decision-making process to determine which types of waste should be prioritized based on management costs. Timely and complete information in the group DSS is helpful in the decision-making process and increases organizational knowledge based on the chosen strategy. Recommendation for Researchers: Developing a group DSS for waste recycling companies can encourage strategic decision-making processes. This research integrates SSM and AHP to support a comprehensive group DSS because SSM encourages a deeper and more detailed understanding of waste recycling companies with complex problems. At the same time, AHP provides a structured approach for recycling companies to make decisions. The group DSS that will be developed can be used to identify other more relevant criteria, such as environmental impact, waste management regulations, and technological capabilities. Apart from more varied criteria, the group DSS can be encouraged to provide various alternatives such as waste paper, metal, or glass. In addition to evaluating the group DSS’s user interface design, waste recycling companies need to consider training or support for users to increase system adoption. Impact on Society: The waste problem requires the role of various stakeholders, one of which is a waste recycling company. The availability of a group DSS design can guide waste recycling companies in providing efficient and effective services so that they can respond more quickly to the waste management needs of the community. The community also gets transparent information regarding their waste management. The impact of good group DSS is reducing the amount of waste in society. Future Research: Future research could identify various other types of waste used as alternatives in the decision-making process to illustrate the complexity of the prioritization process. Future research could also identify other criteria, such as environmental impact, social aspects of community involvement, or policy compliance. Future research could involve decision-makers from other parties, such as the government, who play an essential role in the waste industry.

Aim/Purpose: This study aims to develop a theoretical model based on the SOR (Stimulus – Organism – Response) framework and GETAMEL, which cover environmental, personal, and learning quality aspects to identify factors influencing students’ acceptance of the use of LMS in high schools, especially after COVID-19 pandemic. Background: After the COVID-19 pandemic, many high schools reopened for in-person classes, which led to a decreased reliance on e-learning. The shift from online to traditional face-to-face learning has influenced students’ perceptions of the importance of e-learning in their academic activities. Consequently, high schools are facing the challenge of ensuring that LMS can still be integrated into the teaching-learning process even after the pandemic ends. Therefore, this study proposes a model to investigate the factors that affect students’ actual use of LMS in the high school environment. Methodology: This study used 890 high school students to validate the theoretical model using Structural Equation Modeling (SEM) analysis to deliver direct, indirect, and moderating effect analysis. Contribution: This study combines SOR and acceptance theory to provide a model to explain high school students’ intention to use technology. The involvement of direct, indirect, and moderating effects analysis offers an alternative result and discussion and is considered another contribution of this study from a technical perspective. Findings: The findings show that perceived satisfaction is the most influential factor affecting the use of LMS, followed by perceived usefulness. Meanwhile, from indirect effect analysis, subjective norms and computer self-efficacy were found to indirectly affect actual use through perceived usefulness as a mediator. Content quality was also an indirect predictor of the actual use of LMS through perceived satisfaction. Further, the moderating effect of age influenced perceived satisfaction’s direct effect on actual use. Recommendations for Practitioners: This study provides practical recommendations that can be useful to high schools and other stakeholders in improving the use of LMS in educational environments. Specifically, exploring the implementation of LMS in high schools prior to and following the COVID-19 outbreak can offer valuable insights into the changing educational environment. Recommendation for Researchers: The results of this study present a significant theoretical contribution by employing a comprehensive approach to explain the adoption of LMS among high school students after the COVID-19 pandemic. This contribution extends the GETAMEL framework by incorporating environmental, personal, and learning quality aspects while also analyzing both direct and indirect effects, which have not been previously explored in this context. Impact on Society: This study provides knowledge to high schools for improving the use of LMS in educational environments post-COVID-19, leading to an enhanced teaching-learning process. Future Research: This study, however, is limited to collecting responses exclusively from Indonesian respondents. Therefore, the replication of the finding needs to consider the characteristics and culture similar to Indonesian students, which is regarded as the limitation of this study.

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.

Aim/Purpose: While existing literature has extensively explored factors influencing the success of big data projects and proposed big data maturity models, no study has harnessed machine learning to predict project success and identify the critical features contributing significantly to that success. The purpose of this paper is to offer fresh insights into the realm of big data projects by leveraging machine-learning algorithms. Background: Previously, we introduced the Global Big Data Maturity Model (GBDMM), which encompassed various domains inspired by the success factors of big data projects. In this paper, we transformed these maturity domains into a survey and collected feedback from 90 big data experts across the Middle East, Gulf, Africa, and Turkey regions regarding their own projects. This approach aims to gather firsthand insights from practitioners and experts in the field. Methodology: To analyze the feedback obtained from the survey, we applied several algorithms suitable for small datasets and categorical features. Our approach included cross-validation and feature selection techniques to mitigate overfitting and enhance model performance. Notably, the best-performing algorithms in our study were the Decision Tree (achieving an F1 score of 67%) and the Cat Boost classifier (also achieving an F1 score of 67%). Contribution: This research makes a significant contribution to the field of big data projects. By utilizing machine-learning techniques, we predict the success or failure of such projects and identify the key features that significantly contribute to their success. This provides companies with a valuable model for predicting their own big data project outcomes. Findings: Our analysis revealed that the domains of strategy and data have the most influential impact on the success of big data projects. Therefore, companies should prioritize these domains when undertaking such projects. Furthermore, we now have an initial model capable of predicting project success or failure, which can be invaluable for companies. Recommendations for Practitioners: Based on our findings, we recommend that practitioners concentrate on developing robust strategies and prioritize data management to enhance the outcomes of their big data projects. Additionally, practitioners can leverage machine-learning techniques to predict the success rate of these projects. Recommendation for Researchers: For further research in this field, we suggest exploring additional algorithms and techniques and refining existing models to enhance the accuracy and reliability of predicting the success of big data projects. Researchers may also investigate further into the interplay between strategy, data, and the success of such projects. Impact on Society: By improving the success rate of big data projects, our findings enable organizations to create more efficient and impactful data-driven solutions across various sectors. This, in turn, facilitates informed decision-making, effective resource allocation, improved operational efficiency, and overall performance enhancement. Future Research: In the future, gathering additional feedback from a broader range of big data experts will be valuable and help refine the prediction algorithm. Conducting longitudinal studies to analyze the long-term success and outcomes of Big Data projects would be beneficial. Furthermore, exploring the applicability of our model across different regions and industries will provide further insights into the field.

Aim/Purpose: This study investigates the relationship between Electronic Word-of-Mouth (EWOM), Information Adoption, and the stock investment of Vietnamese investors. Background: Misinformation spreads online, and a lack of strong information analysis skills can lead Vietnamese investors to make poor stock choices. By understanding how online conversations and information processing influence investment decisions, this research can help investors avoid these pitfalls. Methodology: This study applies Structural Equation Modelling (SEM) to investigate how non-professional investors react to online information and which information factors influence their investment decisions. The final sample includes 512 investors from 18 to 65 years old from various professional backgrounds (including finance, technology, education, etc.). We conducted a combined online and offline survey using a convenience sampling method from August to November 2023. Contribution: This study contributes to the growing literature on Electronic Word-of-Mouth (EWOM) and its impact on investment decisions. While prior research has explored EWOM in various contexts, we focus on Vietnamese investors, which can offer valuable insights into its role within a developing nation’s stock market. Investors, particularly those who are new or less experienced, are often susceptible to the influence of EWOM. By examining EWOM’s influence in Vietnam, this study sheds light on a crucial factor impacting investment behavior in this emerging market. Findings: The results show that EWOM has a moderate impact on the Information Adoption and investment decisions of Vietnamese stock investors. Information Quality (QL) is the factor that has the strongest impact on Information Adoption (IA), followed by Information Credibility (IC) and Attitude Towards Information (AT). Needs for Information (NI) only have a small impact on Information Adoption (IA). Finally, Information Adoption (IA) has a limited influence on investor decisions in stock investment. We also find that investors need to verify information through official sites before making investment decisions based on posts in social media groups. Recommendations for Practitioners: The findings suggest that state management and media agencies need to coordinate to improve the quality of EWOM information to protect investors and promote the healthy development of the stock market. Social media platform managers need to moderate content, remove false information, prioritize displaying authentic information, cooperate with experts, provide complete information, and personalize the experience to enhance investor trust and positive attitude. Securities companies need to provide complete, accurate, and updated information about the market and investment products. They can enhance investor trust and positive attitude by developing news channels, interacting with investors, and providing auxiliary services. Listed companies need to take the initiative to improve the quality of information disclosure and ensure clarity, comprehensibility, and regular updates. Use diverse communication channels and improve corporate governance capacity to increase investor trust and positive attitude. Investors need to seek information from reliable sources, compare information from multiple sources, and carefully check the source and author of the information. They should improve their investment knowledge and skills, consult experts, define investment goals, and build a suitable investment portfolio. Recommendation for Researchers: This study synthesized previous research on EWOM, but there is still a gap in the field of securities because each nation has its laws, regulations, and policies. The relationships between the factors in the model are not yet clear, and there is a need to develop a model with more interactive factors. The research results need to be further verified, and more research can be conducted on the influence of investor psychology, investment experience, etc. Impact on Society: This study finds that online word-of-mouth (EWOM) can influence Vietnamese investors’ stock decisions, but information quality is more important. Policymakers should regulate EWOM accuracy, fund managers should use social media to reach investors, and investors should diversify their information sources. Future Research: This study focuses solely on the stock market, while individual investors in Vietnam may engage in various other investment forms such as gold, real estate, or cryptocurrencies. Therefore, future research could expand the scope to include other investment types to gain a more comprehensive understanding of how individual investors in Vietnam utilize electronic word-of-mouth (EWOM) and adopt information in their investment decision-making process. Furthermore, while these findings may apply to other emerging markets with similar levels of financial literacy as Vietnam, they may not fully extend to countries with higher financial literacy rates. Hence, further studies could be conducted in developed countries to examine the generalizability of these findings. Finally, future research could see how EWOM’s impact changes over a longer period. Additionally, a more nuanced understanding of the information adoption process could be achieved by developing a research model with additional factors.

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.

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.

Aim/Purpose: This research investigated the determinant factors influencing the adoption intentions of Chatsicum, a Knowledge-Based Chatbot (KBC) aimed at enhancing the species literacy of biodiversity students. Background: This research was conducted to bridge the gap between technology, education, and biodiversity conservation. Innovative solutions are needed to empower individuals with knowledge, particularly species knowledge, in preserving the natural world. Methodology: The study employed a quantitative approach using the Partial Least Square Structural Equation Modeling (PLS-SEM) and sampled 145 university students as respondents. The research model combined the Task-Technology Fit (TTF) framework with elements from the Diffusion of Innovation (DOI), including relative advantage, compatibility, complexity, and observability. Also, the model introduced perceived trust as an independent variable. The primary dependent variable under examination was the intention to use the KBC. Contribution: The findings of this research contribute to a deeper understanding of the critical factors affecting the adoption of the KBC in biodiversity education and outreach, as studies in this context are limited. This study provides valuable insights for developers, educators, and policymakers interested in promoting species literacy and leveraging innovative technologies by analyzing the interplay of TTF and DOI constructs alongside perceived trust. Ultimately, this research aims to foster more effective and accessible biodiversity education strategies. Findings: TTF influenced all DOI variables, such as relative advantage, compatibility, observability, and trust positively and complexity negatively. In conclusion, TTF strongly affected usage intention indirectly. However, relative advantage, complexity, and observability insignificantly influenced the intention to use. Meanwhile, compatibility and trust strongly affected the use intention. Recommendations for Practitioners: Developers should prioritize building and maintaining chatbots that are aligned with the tasks, needs, and goals of the target users, as well as establishing trust through the assurance of information accuracy. Educators could develop tailored educational interventions that resonate with the values and preferences of diverse learners and are aligned closely with students’ learning needs, preferences, and curriculum while ensuring seamless integration with the existing educational context. Conservation organizations and policymakers could also utilize the findings of this study to enhance their outreach strategies, as the KBC is intended for students and biodiversity laypeople. Recommendation for Researchers: Researchers should explore the nuances of relationships between TTF and DOI, as well as trust, and consider the potential influence of mediating and moderating variables to advance the field of technology adoption in educational contexts. Researchers could also explore why relative advantage, complexity, and observability did not significantly impact the usage intention and whether specific user segments or contextual factors influence these relationships. Impact on Society: This research has significant societal impacts by improving species literacy, advancing technology in education, and promoting conservation efforts. Species knowledge could raise awareness regarding biodiversity and the importance of conservation, thereby leading to more informed and responsible citizens. Future Research: Future works should address the challenges and opportunities presented by KBCs in the context of species literacy enhancement, for example, interventions or experiments to influence the non-significant factors. Furthermore, longitudinal studies should investigate whether user behavior evolves. Ultimately, examining the correlation between species literacy, specifically when augmented by chatbots, and tangible conservation practices is an imperative domain in the future. It may entail evaluating the extent to which enhanced knowledge leads to concrete measures promoting biodiversity preservation.

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.

Students of Ethiopian origin belong to one of the weakest sectors in the Jewish population of Israel. During their studies they have to deal with social alienation, cultural gaps, economic hardships, and racial stereotypes which reduce their chances to successfully complete their academic degree. In this respect, the present research asks whether online social media could provide those youngsters with tools and resources for their better social integration and adaptation to the academic life. For this purpose, the study was conducted in one of Israel’s largest academic colleges while adopting a design-based research approach, which advanced gradually on a continuum between ‘ambient’ and ‘designed’ technology-enhanced learning communities. The interventions applied for this study aimed at examining how they may encourage students of Ethiopian origin to expand their activities in the online social learning groups. The findings indicate that the main pattern of students of Ethiopian origin online participation was peripheral and limited to viewing only. Nevertheless, the level of their online activity has been improved after a series of two interventions, which also led to a slight improvement in indicators of their social integration and in a change in their usage of online learning groups from social to academic uses.

Transforming a school from traditional teaching and learning to a one-to-one (1:1) classroom, in which a teacher and students have personal digital devices, inevitably requires changes in the way the teacher addresses her role. This study examined the implications of integrating 1:1 computing on teachers’ pedagogical perceptions and the classroom’s educational discourse. A change in pedagogical perceptions during three years of teaching within this model was investigated. The research analyzed data from 14 teachers teaching in a junior high school in the north of Israel collected over the course of three years through interviews and lesson observations. The findings show that the 1:1 computing allows teachers to improve their teaching skills; however, it fails to change their fundamental attitudes in regard to teaching and learning processes. It was further found that the use of a laptop by each student does not significantly improve the classroom’s learning discourse. The computer is perceived as an individual or group learning technology rather than as a tool for conducting learning discourse. An analysis of the data collected shows a great contribution to collaboration among teachers in preparing technology-enhanced lessons. The findings are discussed in terms of Bruner’s (Olson & Bruner, 1996) “folk psychology” and “folk pedagogy” of teachers and “the new learning ecology” framework in 1:1 classroom (Lee, Spires, Wiebe, Hollebrands, & Young, 2015). One of the main recommendations of this research is to reflect on findings from the teaching staff and the school community emphasizing 1:1 technology as a tool for significant pedagogical change. It seems that the use of personal technology per se is not enough for pedagogical changes to take place; the change must begin with teachers’ perceptions and attitudes.

Implementing inquiry in the outdoors introduces many challenges for teachers, some of which can be dealt with using mobile technologies. For productive use of these technologies, teachers should be provided with the opportunity to develop relevant knowledge and practices. In a professional development (PD) program in this design-based research, 24 teachers were involved in adaptation of a learning environment supporting inquiry in the outdoors that included the use of mobile technologies. They first experienced the learning environment as learners, then adapted it for their own use, and finally, enacted the adapted environment with peers. We examined the scope and character of teacher involvement in adaptation, and the consequent professional growth, by analyzing observations, questionnaires, interviews and the adapted learning-environments. Findings indicate that all teachers demonstrated change processes, including changes in knowledge and practice, but the coherence of the learning environments decreased when substantial adaptations were made. Some teachers demonstrated professional growth, as reflected by their implementation of ideas learned in the PD program in their daily practice, long after the PD program had ended. This study demonstrates how the Teachers as Designers approach can support teacher learning and illustrates productive use of scaffolds for teacher growth and professional development.

This is a five-year study conducted with junior high school students studying in a 1:1-laptop program in order to test the effects of the program on various measures related to the students: their attitudes, motivation, perceived school norms, self-efficacy, and behavioral intention towards learning with laptops, according to the Theory of Planned Behavior (TPB). These variables were tested at two dimensions: ‘duration of learning’ – the effect of learning in the program on the same students; ‘duration of program in school’ – the effect of the program on different students in different school years. Participants (N=770) answered a questionnaire structured according to motivational and TPB variables. Findings show that attitudes changed over time, but differently for each dimension. For the ‘duration of learning’, attitudes declined between 7th to 9th grade. Structural equation modeling analysis showed that students’ attitudes and self-efficacy explain part of their intention to learn with laptops, therefore ways of maintaining positive attitudes, self-efficacy, and strengthening school norms should be considered. However, for the ‘duration of program in school’, students’ attitudes increased over the years: The attitudes of students who started the program at a later stage were more positive than those who began earlier. This may indicate that students who experience the program at an advanced stage are better prepared, with more realistic expectations. Findings can assist teacher trainers and policymakers with the implementation of similar programs.

As a result of the rapid development of Information and Communication Technology (ICT) and the growing interest in Internet-based tools for language classroom, it has become a pressing need for educators to locate, evaluate and select the most appropriate language-learning digital resources that foster more communicative and meaningful learning processes. Hence, this paper describes a mixed research project that, on the first hand, aimed at proposing a Checklist for evaluating language websites built on the principles of the Communicative Approach, and on the second hand, sought to strengthen the teachers’ Knowing-how-to-do skill as part of their digital competence. To achieve these goals, a four-phase research procedure was followed that included reviewing relevant literature and administering qualitative and quantitative research methods to participants (i.e., language teachers, an expert in the Computer-Assisted Language Learning (CALL) field and a college professor) in order to gain insights into problematic issues and, thereafter, to contribute to the creation and validation of the Checklist model and the Study Guide. The findings revealed that: (a) evaluating language websites leads to the enhancement of the teachers’ practical skills and their knowledge of the technological language; and (b) having an assessment instrument allows educators to choose the materials that best meet their communicative teaching purposes.

Aim/Purpose: Significant urban digital divide exists in Nairobi County where low income households lack digital literacy skills and do not have access to the internet. The study was undertaken as an intervention, designed to close the digital divide among low income households in Nairobi by introducing internet access using the domestication framework. Background: Information and Communication Technologies (ICTs) have the potential to help reduce social inequality and have been hailed as critical to the achievement of the Sustainable Development goals (SDGs). Skills in use of ICTs have also become a prerequisite for almost all forms of employment and in accessing government services, hence, the need for digital inclusion for all. Methodology: In this research study, I employed a mixed methods approach to investigate the problem. This was achieved through a preliminary survey to collect data on the existence of urban digital divide in Nairobi and a contextual analysis of the internet domestication process among the eighteen selected case studies. Contribution: While there have been many studies on digital divide between Africa and the rest of the world, within the African continent, among genders and between rural and urban areas at national levels, there are few studies exploring urban digital divide and especially among the marginalized communities living in the low-income urban areas. Findings: Successful domestication of internet and related technologies was achieved among the selected households, and the households appreciated the benefits of having and using the internet for the first time. A number of factors that impede use of internet among the marginalized communities in Nairobi were also identified. Recommendations for Practitioners: In the study, I found that use of differentiated costs internet services targeting specific demographic groups is possible and that use of such a service could help the marginalized urban communities’ access the internet. Therefore, ISPs should offer special internet access packages for the low-income households. Recommendation for Researchers: In this research study, I found that the urban digital divide in Nairobi is an indication of social economic development problems. Therefore, researchers should carryout studies involving multipronged strategies to address the growing digital divide among the marginalized urban communities. Impact on Society: The absence of an Information and Communication Technology (ICT) inclusion policy is a huge setback to the achievement of the SDGs in Kenya. Digital inclusion policies prioritizing digital literacy training, universal internet access and to elucidate the social-economic benefits of internet access for all Kenyans should be developed. Future Research: Future studies should explore ways of providing affordable mass internet access solutions among the residents of low-income communities and in eliminating the persistence urban digital divide in Kenya.

Aim/Purpose: Following the widespread use of social networking applications (SNAs) by children, adolescents, and young adults, this paper sought to examine the usage habits, sharing, and dangers involved from the perspective of the children, adolescents, and young adults. The research question was: What are the usage habits, sharing, drawbacks, and dangers of using SNAs from the perspective of children, adolescents, and young adults? Background: Safety has become a major issue and relates to a range of activities including online privacy, cyberbullying, exposure to violent content, exposure to content that foments exclusion and hatred, contact with strangers online, and coarse language. The present study examined the use of social networking applications (SNAs) by children, adolescents, and young adults, from their point of view. Methodology: This is a mixed-method study; 551participants from Israel completed questionnaires, and 110 respondents were also interviewed. Contribution: The study sought to examine from their point of view (a) characteristics of SNA usage; (b) the e-safety of SNA; (c) gender differences between age groups; (d) habits of use; (e) hazards and solutions; and (f) sharing with parents and parental control. Findings: Most respondents stated that cyberbullying (such as shaming) happens mainly between members of the group and it is not carried out by strangers. The study found that children’s awareness of the connection between failures of communication in the SNAs and quarrels and disputes was lower than that of adolescents and young adults. It was found that more children than adolescents and young adults believe that monitoring and external control can prevent the dangers inherent in SNAs, and that the awareness of personal responsibility increases with age. The SNAs have intensified the phenomenon of shaming, but the phenomenon is accurately documented in SNAs, unlike in face-to-face communication. Therefore, today more than ever, it is possible and necessary to deal with shaming, both in face-to-face and in SNA communication. Recommendations for Practitioners: Efforts should be made to resolve the issue of shaming among members of the group and to explain the importance of preserving human dignity and privacy. The Internet in general and SNAs in particular are an integral part of children’s and adolescents’ life environment, so it can be said that the SNAs are part of the problem because they augment shaming. But they can also be part of the solution, because interactions are accurately documented, unlike in face-to-face communication, where it is more difficult to examine events, to remember exactly what has been said, to point out cause and effect, etc. Therefore, more than ever before, today it is possible and necessary to deal with shaming both in face-to-face and in the SNA communication, because from the point of view of youngsters, this is their natural environment, which includes smart phones, SNAs, etc. Recommendations for Researchers: The study recommends incorporating in future studies individual case studies and allowing participants to express how they perceive complex e-Safety situa-tions in the use of social networking apps. Impact on Society: Today more than ever, it is possible and necessary to deal with shaming, both in face-to-face and in SNA communication. Future Research: The study was unable to find significant differences between age groups. Fur-ther research may shed light on the subject.