How to cite this paper
Al-Afeef, M., Fraihat, B., Alhawamdeh, H., Hijazi, H., AL-Afeef, M., Nawasr, M & Rabi, A. (2023). Factors affecting middle eastern countries' intention to use financial technology.International Journal of Data and Network Science, 7(3), 1179-1192.
Refrences
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Alhashmi, S. F., Salloum, S. A., & Abdallah, S. (2019, October). Critical success factors for implementing artificial intel-ligence (AI) projects in Dubai Government United Arab Emirates (UAE) health sector: applying the extended technol-ogy acceptance model (TAM). In Proceedings of the International Conference on Advanced Intelligent Systems and In-formatics 2019 (pp. 393-405). Cham: Springer International Publishing.
Alkhazaleh, A. M. K. (2021). Challenges and Opportunities for Fintech Startups: Situation in The Arab World. Academy of Accounting and Financial Studies Journal, 25(3), 1-14.
Al-Mudimigh, A., & Anshari, M. (2020). Financial technology and innovative financial inclusion. In Financial technology and disruptive innovation in ASEAN (pp. 119-129). IGI Global.
Alryalat, M. A. A., Rana, N. P., & Dwivedi, Y. K. (2020). Citizen's adoption of an E-Government system: Validating the extended theory of reasoned action (TRA). In Open government: Concepts, methodologies, tools, and applications (pp. 651-674). IGI Global.
Ammenwerth, E. (2019). Technology acceptance models in health informatics: TAM and UTAUT. Stud Health Technol Inform, 263, 64-71.
Ayaz, A., & Yanartaş, M. (2020). An analysis on the unified theory of acceptance and use of technology theory (UTAUT): Acceptance of electronic document management system (EDMS). Computers in Human Behavior Reports, 2, 100032.
Banerjee, A. (2020). Fintech revolution in the gulf countries and mena region. Entrepreneurial Finance in Emerging Mar-kets: Exploring Tools, Techniques, and Innovative Technologies, 335-344.
Barbu, C. M., Florea, D. L., Dabija, D. C., & Barbu, M. C. R. (2021). Customer experience in fintech. Journal of Theoreti-cal and Applied Electronic Commerce Research, 16(5), 1415-1433.
Bernal-Torres, C., Gutiérrez-Pérez, J., & Jiménez-Zarco, A. I. (2021). Measuring the perceived ease of use of a learning management system: Development and validation of a questionnaire. Computers in Human Behavior, 115, 106633. doi: 10.1016/j.chb.2020.106633
Burton, J. K., Bayne, G., Evans, C., Garbe, F., Gorman, D., Honhold, N., ... & Guthrie, B. (2020). Evolution and effects of COVID-19 outbreaks in care homes: a population analysis in 189 care homes in one geographical region of the UK. The Lancet Healthy Longevity, 1(1), e21-e31.
Cavoli, T., Gopalan, S., Onur, I., & Xenarios, S. (2023). Does financial inclusion improve sanitation access? Empirical ev-idence from low-and middle-income countries. International Journal of Water Resources Development, 1-22.
Chang, V., Baudier, P., Zhang, H., Xu, Q., Zhang, J., & Arami, M. (2020). How Blockchain can impact financial services–The overview, challenges and recommendations from expert interviewees. Technological forecasting and social change, 158, 120166.
Chang, Y. P., & Li, J. (2022). Seamless experience in the context of omnichannel shopping: scale development and empir-ical validation. Journal of Retailing and Consumer Services, 64, 102800.
Chen, C. C., Chen, C. H., & Lin, Y. H. (2021). The effect of financial risk on continuance intention to use mobile payment: A social exchange perspective. Electronic Commerce Research and Applications, 46, 101082. doi: 10.1016/j.elerap.2021.101082
Chen, L., & Aklikokou, A. K. (2020). Determinants of E-government adoption: testing the mediating effects of perceived usefulness and perceived ease of use. International Journal of Public Administration, 43(10), 850-865.
Chen, X., Hu, Y., & Liu, X. (2021). Understanding the determinants of consumers' continuance intention towards internet finance. Internet Research, 31(3), 845-867. doi: 10.1108/INTR-05-2019-0266
Chen, X., Lu, Y., Wang, W., & Wu, Q. (2021). User acceptance of mobile healthcare apps: A perceived ease of use (PEOU) perspective. International Journal of Medical Informatics, 148, 104426. doi: 10.1016/j.ijmedinf.2020.104426
Chinnasamy, G., Madbouly, A., & Reyad, S. (2021). Fintech: A pathway for MENA region. The fourth industrial revolu-tion: implementation of artificial intelligence for growing business success, 135-151.
Copeland, L. R., & Zhao, L. (2020). Instagram and theory of reasoned action: US consumers influence of peers online and purchase intention. International Journal of Fashion Design, Technology and Education, 13(3), 265-279.
David, D., & Williams, S. B. (2022). Financial innovations and Fintech solutions for migrant workers in the MENA re-gion. In Innovative Finance for Technological Progress (pp. 257-287). Routledge.
Ferdianto, R. (2022). The Role of Perceived Usefulness and Perceived Ease of Use in Increasing Repurchase Intention in the Era of the Covid-19 Pandemic. Research Horizon, 2(2), 313-329.
Gün, M. (2020). The path to fintech development research on Islamic finance in Turkey. In Impact of Financial Technolo-gy (FinTech) on Islamic Finance and Financial Stability (pp. 65-96). IGI Global.
Jamil, N. N., & Seman, J. A. (2019). The impact of fintech on the sustainability of Islamic accounting and finance educa-tion in Malaysia. Journal of Islamic, Social, Economics and Development, 4(17), 74-88.
Kardi, K., Basri, H., Suhartini, A., & Meliani, F. (2023). Challenges of Online Boarding Schools In The Digital Era. At-Tadzkir: Islamic Education Journal, 2(1), 37-51.
Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors influencing the use of E-wallet as a payment method among Malaysian young adults. Journal of International Business and Management, 3(2), 1-12.
Kheira, T. (2021). Financial technology prospects in the Middle East and Africa. Journal of Economic Growth, 4(3), 14-25.
Khuong, N. V., Phuong, N. T. T., Liem, N. T., Thuy, C. T. M., & Son, T. H. (2022). Factors Affecting the Intention to Use Financial Technology among Vietnamese Youth: Research in the Time of COVID-19 and Beyond. Economies, 10(3), 57.
Kusyanti, A., Santoso, N., Catherina, H. P. A., & Oktavia, E. (2022). Investigating mobile users’ intention: Technology ac-ceptance and privacy perspectives. Procedia Computer Science, 197, 576-582.
Lin, C. H., & Lai, Y. J. (2021). An investigation of the adoption of mobile payment systems in Taiwan: Perceived risk and trust as the main antecedents. Information & Management, 58(2), 103382. doi: 10.1016/j.im.2020.103382
Liu, C., Wang, X., & Lin, Z. (2020). Exploring the influence of financial risk on mobile payment continuance intention: A moderated mediation analysis. Electronic Commerce Research, 20(3), 523-547. doi: 10.1007/s10660-020-09449-4
Lukonga, I. (2021). Fintech and the real economy: Lessons from the Middle East, North Africa, Afghanistan, and Pakistan (MENAP) region. The Palgrave handbook of fintech and blockchain, 187-214.
Maharjan, P., Devkota, N., Mahapatra, S. K., Padda, I. U. H., Dhakal, K., Mahato, S., ... & Bhattarai, U. (2022). FinTech Adoption among Online Grocery Buyers during COVID-19 Lockdowns in Nepal. Journal of Private Enterprise, 37(2), 57-89.
Naz, F., Karim, S., Houcine, A., & Naeem, M. A. (2022). Fintech growth during COVID-19 in MENA region: current chal-lenges and future prospects. Electronic Commerce Research, 1-22.
Ng, K. Y. N. (2020). The moderating role of trust and the theory of reasoned action. Journal of Knowledge Manage-ment, 24(6), 1221-1240.
Phan, D. H. B., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2020). Do financial technology firms influence bank performance? Pacific-Basin finance journal, 62, 101210.
Rahim, A. M., & Ibrahim, N. A. (2020). An integrated model of perceived risk, trust, and attitude on mobile banking adop-tion in Iraq. Journal of Financial Services Marketing, 25(2), 69-79. doi: 10.1057/s41264-020-00087-w
Suseendran, G., Chandrasekaran, E., Akila, D., & Sasi Kumar, A. (2020). Banking and FinTech (financial technology) em-braced with IoT device. In Data Management, Analytics and Innovation: Proceedings of ICDMAI 2019, Volume 1 (pp. 197-211). Springer Singapore.
Tahar, A., Riyadh, H. A., Sofyani, H., & Purnomo, W. E. (2020). Perceived ease of use, perceived usefulness, perceived security and intention to use e-filing: The role of technology readiness. The Journal of Asian Finance, Economics and Business, 7(9), 537-547.
Takeda, A., & Ito, Y. (2021). A review of FinTech research. International Journal of Technology Management, 86(1), 67-88.
Tian, Y., Chan, T. J., Suki, N. M., & Kasim, M. A. (2023). Moderating role of perceived trust and perceived service quali-ty on consumers’ use behavior of Alipay e-wallet system: the perspectives of technology acceptance model and theory of planned behavior. Human Behavior and Emerging Technologies, 2023.
Ventre, I., & Kolbe, D. (2020). The impact of perceived usefulness of online reviews, trust and perceived risk on online purchase intention in emerging markets: A Mexican perspective. Journal of International Consumer Marketing, 32(4), 287-299.
Wilson, N., Keni, K., & Tan, P. H. P. (2021). The role of perceived usefulness and perceived ease-of-use toward satisfac-tion and trust which influence computer consumers' loyalty in China. Gadjah Mada International Journal of Busi-ness, 23(3), 262-294.
Zarrouk, H., El Ghak, T., & Bakhouche, A. (2021). Exploring economic and technological determinants of FinTech startups’ success and growth in the United Arab Emirates. Journal of Open Innovation: Technology, Market, and Com-plexity, 7(1), 50.
Zhao, J., Xie, K., Zhang, S., & Yang, J. (2021). The effects of perceived risk on user behavior toward mobile payment ser-vices in China. Journal of Business Research, 131, 235-245. doi: 10.1016/j.jbusres.2021.01.005
Alhashmi, S. F., Salloum, S. A., & Abdallah, S. (2019, October). Critical success factors for implementing artificial intel-ligence (AI) projects in Dubai Government United Arab Emirates (UAE) health sector: applying the extended technol-ogy acceptance model (TAM). In Proceedings of the International Conference on Advanced Intelligent Systems and In-formatics 2019 (pp. 393-405). Cham: Springer International Publishing.
Alkhazaleh, A. M. K. (2021). Challenges and Opportunities for Fintech Startups: Situation in The Arab World. Academy of Accounting and Financial Studies Journal, 25(3), 1-14.
Al-Mudimigh, A., & Anshari, M. (2020). Financial technology and innovative financial inclusion. In Financial technology and disruptive innovation in ASEAN (pp. 119-129). IGI Global.
Alryalat, M. A. A., Rana, N. P., & Dwivedi, Y. K. (2020). Citizen's adoption of an E-Government system: Validating the extended theory of reasoned action (TRA). In Open government: Concepts, methodologies, tools, and applications (pp. 651-674). IGI Global.
Ammenwerth, E. (2019). Technology acceptance models in health informatics: TAM and UTAUT. Stud Health Technol Inform, 263, 64-71.
Ayaz, A., & Yanartaş, M. (2020). An analysis on the unified theory of acceptance and use of technology theory (UTAUT): Acceptance of electronic document management system (EDMS). Computers in Human Behavior Reports, 2, 100032.
Banerjee, A. (2020). Fintech revolution in the gulf countries and mena region. Entrepreneurial Finance in Emerging Mar-kets: Exploring Tools, Techniques, and Innovative Technologies, 335-344.
Barbu, C. M., Florea, D. L., Dabija, D. C., & Barbu, M. C. R. (2021). Customer experience in fintech. Journal of Theoreti-cal and Applied Electronic Commerce Research, 16(5), 1415-1433.
Bernal-Torres, C., Gutiérrez-Pérez, J., & Jiménez-Zarco, A. I. (2021). Measuring the perceived ease of use of a learning management system: Development and validation of a questionnaire. Computers in Human Behavior, 115, 106633. doi: 10.1016/j.chb.2020.106633
Burton, J. K., Bayne, G., Evans, C., Garbe, F., Gorman, D., Honhold, N., ... & Guthrie, B. (2020). Evolution and effects of COVID-19 outbreaks in care homes: a population analysis in 189 care homes in one geographical region of the UK. The Lancet Healthy Longevity, 1(1), e21-e31.
Cavoli, T., Gopalan, S., Onur, I., & Xenarios, S. (2023). Does financial inclusion improve sanitation access? Empirical ev-idence from low-and middle-income countries. International Journal of Water Resources Development, 1-22.
Chang, V., Baudier, P., Zhang, H., Xu, Q., Zhang, J., & Arami, M. (2020). How Blockchain can impact financial services–The overview, challenges and recommendations from expert interviewees. Technological forecasting and social change, 158, 120166.
Chang, Y. P., & Li, J. (2022). Seamless experience in the context of omnichannel shopping: scale development and empir-ical validation. Journal of Retailing and Consumer Services, 64, 102800.
Chen, C. C., Chen, C. H., & Lin, Y. H. (2021). The effect of financial risk on continuance intention to use mobile payment: A social exchange perspective. Electronic Commerce Research and Applications, 46, 101082. doi: 10.1016/j.elerap.2021.101082
Chen, L., & Aklikokou, A. K. (2020). Determinants of E-government adoption: testing the mediating effects of perceived usefulness and perceived ease of use. International Journal of Public Administration, 43(10), 850-865.
Chen, X., Hu, Y., & Liu, X. (2021). Understanding the determinants of consumers' continuance intention towards internet finance. Internet Research, 31(3), 845-867. doi: 10.1108/INTR-05-2019-0266
Chen, X., Lu, Y., Wang, W., & Wu, Q. (2021). User acceptance of mobile healthcare apps: A perceived ease of use (PEOU) perspective. International Journal of Medical Informatics, 148, 104426. doi: 10.1016/j.ijmedinf.2020.104426
Chinnasamy, G., Madbouly, A., & Reyad, S. (2021). Fintech: A pathway for MENA region. The fourth industrial revolu-tion: implementation of artificial intelligence for growing business success, 135-151.
Copeland, L. R., & Zhao, L. (2020). Instagram and theory of reasoned action: US consumers influence of peers online and purchase intention. International Journal of Fashion Design, Technology and Education, 13(3), 265-279.
David, D., & Williams, S. B. (2022). Financial innovations and Fintech solutions for migrant workers in the MENA re-gion. In Innovative Finance for Technological Progress (pp. 257-287). Routledge.
Ferdianto, R. (2022). The Role of Perceived Usefulness and Perceived Ease of Use in Increasing Repurchase Intention in the Era of the Covid-19 Pandemic. Research Horizon, 2(2), 313-329.
Gün, M. (2020). The path to fintech development research on Islamic finance in Turkey. In Impact of Financial Technolo-gy (FinTech) on Islamic Finance and Financial Stability (pp. 65-96). IGI Global.
Jamil, N. N., & Seman, J. A. (2019). The impact of fintech on the sustainability of Islamic accounting and finance educa-tion in Malaysia. Journal of Islamic, Social, Economics and Development, 4(17), 74-88.
Kardi, K., Basri, H., Suhartini, A., & Meliani, F. (2023). Challenges of Online Boarding Schools In The Digital Era. At-Tadzkir: Islamic Education Journal, 2(1), 37-51.
Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors influencing the use of E-wallet as a payment method among Malaysian young adults. Journal of International Business and Management, 3(2), 1-12.
Kheira, T. (2021). Financial technology prospects in the Middle East and Africa. Journal of Economic Growth, 4(3), 14-25.
Khuong, N. V., Phuong, N. T. T., Liem, N. T., Thuy, C. T. M., & Son, T. H. (2022). Factors Affecting the Intention to Use Financial Technology among Vietnamese Youth: Research in the Time of COVID-19 and Beyond. Economies, 10(3), 57.
Kusyanti, A., Santoso, N., Catherina, H. P. A., & Oktavia, E. (2022). Investigating mobile users’ intention: Technology ac-ceptance and privacy perspectives. Procedia Computer Science, 197, 576-582.
Lin, C. H., & Lai, Y. J. (2021). An investigation of the adoption of mobile payment systems in Taiwan: Perceived risk and trust as the main antecedents. Information & Management, 58(2), 103382. doi: 10.1016/j.im.2020.103382
Liu, C., Wang, X., & Lin, Z. (2020). Exploring the influence of financial risk on mobile payment continuance intention: A moderated mediation analysis. Electronic Commerce Research, 20(3), 523-547. doi: 10.1007/s10660-020-09449-4
Lukonga, I. (2021). Fintech and the real economy: Lessons from the Middle East, North Africa, Afghanistan, and Pakistan (MENAP) region. The Palgrave handbook of fintech and blockchain, 187-214.
Maharjan, P., Devkota, N., Mahapatra, S. K., Padda, I. U. H., Dhakal, K., Mahato, S., ... & Bhattarai, U. (2022). FinTech Adoption among Online Grocery Buyers during COVID-19 Lockdowns in Nepal. Journal of Private Enterprise, 37(2), 57-89.
Naz, F., Karim, S., Houcine, A., & Naeem, M. A. (2022). Fintech growth during COVID-19 in MENA region: current chal-lenges and future prospects. Electronic Commerce Research, 1-22.
Ng, K. Y. N. (2020). The moderating role of trust and the theory of reasoned action. Journal of Knowledge Manage-ment, 24(6), 1221-1240.
Phan, D. H. B., Narayan, P. K., Rahman, R. E., & Hutabarat, A. R. (2020). Do financial technology firms influence bank performance? Pacific-Basin finance journal, 62, 101210.
Rahim, A. M., & Ibrahim, N. A. (2020). An integrated model of perceived risk, trust, and attitude on mobile banking adop-tion in Iraq. Journal of Financial Services Marketing, 25(2), 69-79. doi: 10.1057/s41264-020-00087-w
Suseendran, G., Chandrasekaran, E., Akila, D., & Sasi Kumar, A. (2020). Banking and FinTech (financial technology) em-braced with IoT device. In Data Management, Analytics and Innovation: Proceedings of ICDMAI 2019, Volume 1 (pp. 197-211). Springer Singapore.
Tahar, A., Riyadh, H. A., Sofyani, H., & Purnomo, W. E. (2020). Perceived ease of use, perceived usefulness, perceived security and intention to use e-filing: The role of technology readiness. The Journal of Asian Finance, Economics and Business, 7(9), 537-547.
Takeda, A., & Ito, Y. (2021). A review of FinTech research. International Journal of Technology Management, 86(1), 67-88.
Tian, Y., Chan, T. J., Suki, N. M., & Kasim, M. A. (2023). Moderating role of perceived trust and perceived service quali-ty on consumers’ use behavior of Alipay e-wallet system: the perspectives of technology acceptance model and theory of planned behavior. Human Behavior and Emerging Technologies, 2023.
Ventre, I., & Kolbe, D. (2020). The impact of perceived usefulness of online reviews, trust and perceived risk on online purchase intention in emerging markets: A Mexican perspective. Journal of International Consumer Marketing, 32(4), 287-299.
Wilson, N., Keni, K., & Tan, P. H. P. (2021). The role of perceived usefulness and perceived ease-of-use toward satisfac-tion and trust which influence computer consumers' loyalty in China. Gadjah Mada International Journal of Busi-ness, 23(3), 262-294.
Zarrouk, H., El Ghak, T., & Bakhouche, A. (2021). Exploring economic and technological determinants of FinTech startups’ success and growth in the United Arab Emirates. Journal of Open Innovation: Technology, Market, and Com-plexity, 7(1), 50.
Zhao, J., Xie, K., Zhang, S., & Yang, J. (2021). The effects of perceived risk on user behavior toward mobile payment ser-vices in China. Journal of Business Research, 131, 235-245. doi: 10.1016/j.jbusres.2021.01.005