This research investigates the adoption of Information and Communication Technology (ICT) by Micro, Small, and Medium-Sized Corporations (MSMEs) in Jordan. The research formulates and examines hypotheses on factors affecting ICT adoption morals via the Unified Theory of Acceptance and Use of Technology (UTAUT) and the Technology Acceptance Model (TAM). The suggested concept, which utilizes Structural Equation Modelling (ESM), highlights the critical responsibilities that social influence and perceived utility play in affecting choices to adopt ICT. It is noteworthy that MSMEs confront a multiple of obstacles when it comes to adopting ICT, encompassing restrictions in terms of infrastructure and resources, shortages of human capital, and hardships in the technology environment. Data were gathered from 305 MSMEs, and outcomes shed light on important factors to boost the impact of ICT integration in the special setting of Jordanian MSMEs.

This paper aims to investigate if trust, perceived usefulness, and perceived ease of use affect the intention to use e-payment. Also, the study explores if attitudes towards the use of e-payment influence consumer's intentions to use the e-payment system which is supported by testing the moderation effect of Self-Efficacy, and Computer Anxiety on the attitude to use such systems in higher education institutes. The study found that there are a variety of effects of the Electronic Payment Acceptance Model in the United Arab Emirates that pertain to sociological, legal, and economic aspects. The United Arab Emirates can benefit from a more robust and inclusive digital payment ecosystem by comprehending and implementing the lessons gained from such research. Among the lessons learned from this study is that using electronic payment leads to many benefits, it is not possible to benefit from all these benefits if the acceptance rate of technology, especially electronic payment, is low. For this reason, this research came to provide solutions to the possibility of increasing the acceptance of technology among individuals and organizations through a complete model and studying the impact of its factors and the factors that moderate the relationship in it.

This research uses Technology Acceptance Model to explore the elements influencing students' attitudes toward using Chat Generative Pre-Trained Transformer (ChatGPT), a recently developed artificial intelligence (AI) tool, for learning and educational purposes. Using Amos version 23 structural equation modelling and 880 student survey responses, the suggested model was empirically tested. According to the report, students think well of ChatGPT utilization in the classroom. Credibility, Usefulness and ease of use, all influence how positively people feel about using this technology in a classroom setting. The study's findings, however, did not support the notion that students' adoption and use of ChatGPT was insignificantly influenced by perceived enjoyment. Moreover, the results conclude that attitude mediates the relationship between usefulness and intention to use ChatGPT. The research will help businesses, educational institutions, and the global community by providing insight into how students view the ChatGPT service within a learning environment. Additionally, the application boosts learners' confidence and interest, which improves general awareness and literacy. Finally, the research will facilitate developers of AI in the betterment of their product and service delivery and regulators in regulating the use of AI-based bots. Owing to its recentness, there is not much study currently available on ChatGPT use in education. This research adds significantly to the extant knowledge on the adoption of advanced education technologies by examining the adoption characteristics of ChatGPT, a novel AI-based tool involving students. Additionally, there is a dearth of research in the literature on students' adoption of ChatGPT for educational purposes. Such a gap was filled as this study identified the factors affecting students' adoption of ChatGPT in the classroom.

This study investigated the relationship between the digital gap and the intention of Jordanians towards e-government usage. It focused on three components of the digital divide namely access, skills, and innovativeness. In addition, the research investigated how socio-demographic factors influence this connection. Data comprised 620 valid replies to questionnaires issued to 700 Jordanian citizens aged 22 and older who resided in urban and rural areas. Statistical Package for the Social Sciences (SPSS) version 26 and Analysis of Moment Structures (AMOS) version 24 were employed in data analyses and hypotheses testing. The results showed that all three aspects of the digital divide had a significant influence (access, skills, and innovativeness) on the intent of Jordanian citizens to utilize e-government, and the dimension of access imparted the strongest impact, followed by the dimension of skills and then the dimension of innovativeness. Additionally, it was discovered that gender, age, and education were the socio-demographic factors that could weaken the impact of the digital divide on the intentions of user to access e-government services. Contrariwise, the factor of income did not show a similar impact. Furthermore, perceived security significantly impacted the propensity towards e-government usage. Trust played a significant role in mediating the link between perceived security and the intention to engage in e-government.

The present study attempted to determine the elements affecting users' opinions about using electronic auctions in Jordan. The study's target audience was Jordanian university students. We randomly selected 600 students from three public universities in Jordan after 600 users from each of the three universities responded to the surveys. The primary data for this study were gathered using a specially created questionnaire that was based on earlier research. SEM software (smart PLS 4.0.8.3) was employed in the evaluation of data. This study looked into the factors that led Jordanians to use electronic auctions and found four indirect significant relationships and ten direct significant relationships. First, user attitudes and independent variables (usefulness, awareness, ease of use, and techno trust) are directly significant antecedents of utilizing e-auctions in Jordan. The use of e-auctions is related to the independent variable in five direct and significant ways: usefulness, awareness, ease of use, digital divide, and techno trust. Thirdly, there are direct and statistically significant correlations between user attitudes and the independent variables (usefulness, awareness, ease of use, and techno trust). Fourthly, there appears to be a clear and significant link between user attitudes and the intention to use e-auctions. Fifth, there are four mediated meaningful indirect correlations between the intention to use e-auctions and the independent variable. The findings of the current study are based on a number of factors that affect the demand for e-commerce in Jordan. They also include some recommendations for academics and decision-makers in e-marketing affairs. The current study also contributes in identifying challenges and suggestions that would overcome obstacles related to shopping operations through e-auctions. The factors examined in this study have been the subject of prior research. The data gathered in this study are valuable to Jordanian decision-makers and web developers, as the data can be used to create efficient policies and strategies to launch work on electronic auction platforms.

This study examined the perception of investors toward the factors of Artificial Intelligence (AI) that impact behavioral intention of AI adoption. TAM was used with the addition of three factors of subjective norms, trust in service and service provider, and training. Jordanian stock market investors with basic investment knowledge were selected as the study participants using a convenience sampling method. The analyzed data were obtained from 610 responses. Results demonstrated the significant impact of trust in service and subjective norms on AI. Attitudes, perceived ease of use and perceived usefulness showed statistical significance toward intention to use AI. Results also showed significant impact of training on perceived ease of use.

This study aimed to investigate the mediating effect of information technology on the relationship between internal control system's costs and enhancing confidence in the quality of accounting information in banks working in Jordan. To achieve the objectives of the study, the researchers designed a 56-items questionnaire and 200 versions of this questionnaire were distributed on a random sample from the study population represented by all employees of the internal control departments in banks operating in Jordan, and 152 questionnaires were retrieved, and 4 questionnaires were excluded because they were not valid for analysis so, the valid questionnaires for analysis were 148 questionnaires. Effect was assessed using the Multiple Regression Analysis and after the appropriate statistical treatment, the study concluded with a group of results the most important among which that there was a mediating effect of information technology on the relationship between internal control system's costs and increasing confidence in accounting information in banks working in Jordan in terms of internal control environment costs, internal control activities' costs, internal risk assessment's costs, internal monitoring and follow-up costs, information and internal communication costs among banks working in Jordan that use internal control systems. In light of the results revealed, the researchers recommended the need for implementing internal control systems within certain cost limits in banks because of their significant role in increasing confidence in accounting information through the aforementioned variables.

Social Engineering (SE) Attacks against information systems continue to pose a potentially devastating impact. Security information systems are becoming increasingly significant as the number of SE incidents rapidly increased and became more aggressive than before. The World Wide Web (WWW) has evolved for information exchange and knowledge-sharing. It enables the sharing of information in a timely, effective, and transparent manner. Identity theft and identity misuse are two sides of cybercrime in which hackers and fraudulent users collect sensitive information from current legal users in order to perform fraud or deceit for financial gain. Malicious links are used as phishing methods, in which malicious links are planted beneath legitimate-looking links. As the number of web pages grows, the number of malicious web pages and the attacks of such become more complex. In this paper, we provide a method for identifying malicious web pages using a crawling and classification approach that helps to support the automatic discovery of the malicious links. The proposed approach can successfully complete the crawling session even if the page requires partial page refreshment and authentication credentials. The evaluation of the proposed approach shows a higher accuracy compared to an existing approach with an overall accuracy of 72% in three custom applications. Moreover, the proposed approach will calculate the significance and the impact severances of each link on the website and it better differentiates malicious web pages and normal links. The results of the proposed approach will also help in providing a set of recommendations which can increase the awareness level of the end-users, website administrators on how to better deal with these types of SE attacks.

Blockchain technology is one of the crypto-currency technologies that has received a lot of attention. It has also found use in various applications, including the Internet of Things (IoT) and Cloud computing. Nonetheless, Blockchain has a significant scalability issue, restricting its ability to support services with various transactions. On the other hand, cloud computing is the on-demand availability of shared computer system resources, although issues now beset it in automation, processes, management, policies, and human aspects. Combining cloud computing and blockchain technology into a single system can improve network control, task scheduling, data integrity, resource management, pricing, fair payment, and resource allocation. In this article, we offered a comprehensive and up-to-date survey of cloud computing and Blockchain integration, a critical service for business applications due to the benefits of privacy, security, and service support. The lack of a comprehensive assessment examining the significance of BaaS platforms used in cloud computing prompted this review. We focus on the various BaaS tools that are currently in use. This report also examines the most common BaaS platforms incorporating Blockchain as a cloud service, such as Alibaba, Oracle, Azure, Amazon, and IBM. Furthermore, this research highlighted some major technological issues associated with merging Blockchain with cloud computing.

The primary objective of this article is to present the findings of an experimental study on the use of a human-like “naturalistic” avatar (of both genders) for information presentations. The primary goal is to investigate how users' frame of mind, purchasing behavior, and satisfaction are affected by being presented with information by a naturalistic avatar that lacks expressive capabilities. Two different types of information presentations were developed and empirically tested on 48 participants, namely: (i) two dimensional static graphical and textual information presentation and (ii) non-expressive naturalistic avatar. For this comparative research study, a simplified version of the user experience model that was used in our earlier research (the EUX-DM) was selected to serve as the measurement model. Participants' perceived values of the measured qualities were found to be independent of both their own and the naturalistic avatar's gender, and the non-expressive avatar had a positive effect and a stronger encouragement on participants' intention to purchase, usage attitude, and satisfaction than other types of information presentations.