Amineh Khaddam

The study aimed to link cybersecurity awareness and its antecedents to discover the level of public value of using mobile financial services from the perspective of ‘citizens in the government context in Jordan. The quantitative approach was customized to serve the purposes of this study. A convenience sampling method was used based on 550 e-survey Jordanians from whom data were collected. A total of 449 responses were used in the analysis process. A structural equation model was specified to evaluate the developed research model. The results revealed that all hypotheses are accepted at less than P<0.001, cybersecurity awareness and predictions of financial services systems play a significant role in determining the use of financial services systems and generating the value of using financial services. Moreover, combining cybersecurity awareness with public value theory is an important approach to measure the performance of government institutions, especially in the financial services industry. Therefore, these results can be used to develop financial services and meet Jordanians’ requirements. Therefore, providing well-understood dimensions that influence the value of microfinance service use among Jordanians is a necessary process that probably ensures long-term sustainability of microfinance services. Finally, future efforts can explore the benefits and challenges of adopting digital transformation technologies in the public sector and financial services. Furthermore, the term government resilience is likely provided new insights to enhance public administration performance based on technology trends. Digital transformation, integrating government flexibility with the existing research model may influence the overall value of Mobile Fintech Services in Jordan.

The study aims to investigate the influence of business intelligence on decision-making quality, considering organizational ambidexterity as a moderating factor. The sample included a broad group of professionals from the high-technology segment, surveying 450 respondents; 254 valid responses were obtained from senior executives, supervisors, and analysts. These respondents were selected as they had a clear ability for a deeper dive into strategic goals and international expansion strategies, effectiveness in capacities, and daily financial management improvement. The results showed that with the use of business intelligence tools, organizations were in a better position to provide a higher quality of strategic decision-making (p < 0.01) as it helped in the functioning of new opportunities to identify and capitalize, while keeping an eye on the current capabilities. The study underscores that organizational ambidexterity is one of the most dominant causes (p < 0.01) for the effective realization of the benefits of business intelligence. Thus, for effective decision-making, it is crucial for organizations to synergize business intelligence tools with their ambidextrous capabilities. This underscores the significant role of organizational ambidexterity as a moderator and further demonstrates its importance in optimizing the use of business intelligence to improve strategic decision-making processes.

This study aims to investigate how talent management practices, career development, and organizational culture influence employee retention in Jordan’s banking sector. Given the competitive nature of the financial industry, the need to retain talent is critical for organizations. Questionnaires were distributed to 257 full-time employees of various commercial banks in Jordan who have been with their organizations for at least a year, based on this quantitative study. The study made an effort to ensure the sample was both diverse and stable. The study included respondents from various departments, levels, and sizes of banking companies in the sample to enhance its validity. These criteria were designed to include participants who have worked in the organization for a longer period, enabling them to understand the impact of talent management practices and organizational culture. The results reflect that effective talent management practices boost employee retention. The study further attested that career development opportunities and an organizational culture are important moderating factors to strengthen the relationship. According to the research findings, an organization should implement a fully realized approach to talent management with career development and embrace an organizational culture that enhances employee retention.

Studying customers’ value co-creation of using fintech Islamic banking services has been a trend of Islamic bank managements to obtain value, competitive advantages, growth, and sustainability. This work endeavors to explore the role of applying artificial intelligence and big data technologies on value co-creation of using fintech Islamic banking services from customers’ perspective in Jordan. This study used a quantitative methodology based on survey approach to conduct its goals and objectives. Using structural equation modelling approach, the results indicate that artificial intelligence has a significant role in customers’ trust (β = 0.316***) and satisfaction (β = 1.14***) of using fin-tech Islamic banking services in Jordan. The results indicate that big data capabilities have a significant role in customers’ trust (β = 0.658***) and satisfaction (β = –0.109*) of using fintech Islamic banking services in Jordan. The results show that customers’ satisfaction confirms a significant effect on customers’ trust (β = –0.132***) of using fintech Islamic banking services in Jordan. The results uncover that customers’ trust have a considerable impact on customers’ value co-creation (β = 0.232***) of using fintech Islamic banking services in Jordan. The results uncover that customers’ satisfaction have a considerable impact on customers’ value co-creation (β = 0.382***) of using fintech Islamic banking services in Jordan. This study provides novel contributions regarding financial services of Islamic banks in maximizing customers’ value co-creation in Jordan.

Adopting metaverse technology in the banking sector is generating considerable interest. Investigating customers’ behavior is considered a primary element in adopting metaverse technologies in banking settings. This study combines the Trust Theoretic Model, Task-Technology Fit Model, and theory of planned behavior to explore consumers’ intentions to adopt metaverse Islamic mobile banking services in Jordan. Based on the Structural Equation Modeling (SEM) approach, the results using an electronic survey of 391 metaverse consumers among metaverse Islamic mobile banking services show that consumer trust based on its priors (perceived risk, perceived reputation, service quality, and perceived regulatory support) has a significant influence on consumer behavior intention at a significant P-value level (< 0.001). Furthermore, the results affirm that Task-Technology Fit plays a significant role in consumer behavior intention at a significant P-value level (< 0.001). Moreover, consumer behavior intention has a significant influence on consumers’ decision to adopt metaverse Islamic mobile banking services in Jordan at a significant P-value level (< 0.001). The findings of this study present critical insights for Islamic bank management in Jordan, assisting in developing their metaverse Islamic mobile banking, maintaining a strong relationship with consumers, and fostering consumer experiences. This study highlights the significance of adopting metaverse technologies in Islamic mobile banking services.