Raed Walid Al-Smadi

The study delves into the nuanced interaction between foreign direct investment (FDI) and financial inclusion in the MENA region, spanning the years 2003 to 2022 and employing the General Method of Moments for rigorous analysis. Its primary objectives are to elucidate how financial inclusion influences FDI and to examine the mediating role of economic growth and inflation as key factors. Key findings reveal a robust positive correlation between financial inclusion and FDI inflows within MENA countries. Specifically, the study uncovers significant relationships between FDI and the various dimensions of financial inclusion, including access, availability, and usage. This underscores the pivotal role of inclusive financial systems in attracting foreign investment. Moreover, the study highlights the symbiotic relationship between economic growth and FDI, indicating that heightened levels of economic prosperity attract greater investment. This underscores the importance of fostering conducive economic conditions to attract foreign capital. Furthermore, the study underscores the critical role of financial inclusion in shaping monetary policy and mitigating investment risks. By facilitating access to capital and reducing uncertainty, financial inclusion promotes transparency and stability, thereby enhancing the attractiveness of foreign markets for investment.

This study delves into the potential direct impact of Fintech adoption, regulatory environment, technological infrastructure, and customer trust on the competitiveness of Fintech solutions. The study employs a questionnaire to gather data from 228 respondents in Jordan aged 18 or older, who were aware of Fintech and were selected through social media and other relevant channels. The outcomes from the Smart PLS path analysis reveal that Fintech adoption significantly impacts the competitiveness of Fintech solutions, supported by regulatory influence and technological infrastructure. Customer trust is crucial, fostering competitiveness through security, transparency, and reliability in Fintech services. Notably, the study contributes theoretical insights by underscoring the pivotal role of cultural acceptance in the dynamics of Fintech adoption and trust. From a practical standpoint, the findings suggest the formulation of tailored strategies for diverse markets, with an emphasis on trust, and an adaptation of product development to align with cultural nuances. However, the study acknowledges limitations and underscores the importance of longitudinal and comparative research to comprehensively grasp the cultural influences on Fintech.

This study investigates the relationship between big data and knowledge sharing and how they can be linked to banking innovation, including process and product innovation. In this study, questionnaires are tailored to fit the hypotheses formulated from data collected from 279 participants (including managers from several departments of the bank such as administration, research & development, accounting, operations, marketing, and sales) at the Housing Bank for Trade operating in the city of Irbid, Jordan. To get a correct result, this study used the structural equation model ‘SEM’ and found a positive relationship between big data and innovation in products and processes, which is confirmed by the data. BID positively affects product innovation (β = 0.302; p < 0.001) and process innovation (β = 0.286; p < 0.001). Also, the study confirms that mediating “knowledge sharing” plays a significant role in innovation and big data in the bank. This study brought evidence that big data is the major dimension that leads to knowledge sharing and innovation performance. The findings also show that companies must employ counterintuitive strategies when developing innovative products or services that differ significantly, quite a bit, from the established expectations of consumersи?. Ultimately, to reap the benefits of technology such as big data and market-driven investing, organizations must invest in both. To orchestrate dynamic capabilities required by innovation, organizational models, roles, and management methods need to be revised.