This study investigates the mediating role of competitiveness in the relationship between FinTech adoption and banking performance in the Middle Eastern region. A quantitative research design is employed, utilizing survey data from banking professionals across multiple countries. The data is analyzed using PLS-SEM modelling. The results show a positive and statistically significant impact of FinTech integration on the competitiveness of financial institutions and the performance of banks. On the other hand, the mediation of competitiveness is involved in the process of FinTech adoption and bank efficiency, suggesting that banking institutions that can utilize FinTech advantageously have greater chances of translating the benefits of FinTech adoption into better performance. This study supports the literature by providing a practical example of the use of FinTech as a factor for competitiveness and improving the performance of banks in the Middle East. These findings have huge managerial and practical implications and can help large banks gain competitive advantage and effectively integrate FinTech platforms to achieve real improvements. The value of this research is that it fills the gap in the existing literature, i.e. the role of competition as a mediating factor. By combining studies on competitive strategy approaches with those on technological innovation theory, this study combines a complete worldview related to the performance of banks in the digital age.

This research aims to analyze variable service quality on e-government user satisfaction and analyze information quality variables on e-government user satisfaction at the immigration office. The research method used in this research is associative quantitative research which aims to determine the relationship between two or more variables. In this way, we can build a theory that functions to predict and control a phenomenon. The population in this study were all immigration office employees. In this research, an analysis model is used, namely Partial Least Square-Structural Equation Modeling (PLS-SEM). In this study, the number of respondents was 876 immigration office employees who used e-government. The sampling technique used in this research is non probability sampling. In this research, the data collection method used was the questionnaire method. The instrument used to measure this research variable is a 7-point Likert scale. Data processing in this research uses SmartPLS software. The stages of data analysis in this research are the outer model test which includes convergent validity, discriminant validity and composite reliability as well as inner model analysis, namely hypothesis testing. The results of this research are that variable service quality has a positive and significant relationship to e-government user satisfaction at the immigration office and the information quality variable has a positive and significant relationship to e-government user satisfaction at the immigration office.

In this digital era, all human activities have moved towards digital. The digital era has provided significant changes in all aspects of life, one of which is the educational aspect. Digital technology has opened up new education opportunities but also presents challenges that must be faced. Almost all sectors, including education in the industry 5.0 era, have digitized, namely by utilizing sophisticated information technology. Era Society 5.0, is an era that will make it easier for human life to interact and transition to the digital era. Thus, the use of digital technology for every aspect of life, especially the education sector, is very necessary since it will reflect the level of competitiveness of a country. This research aims to analyze the relationship between e-learning and performance, digital leadership and performance, and the relationship between digital innovation and performance. This type of research uses quantitative research methods. The population in this research is all high school teachers who have used e-learning platforms and have carried out digital innovation. The sampling technique used in this research was a simple random sampling technique and the total sample of respondents from this research was 489 teachers. The type of data used in this research is primary data and the data search tool used is an online questionnaire using a Likert scale. The data analysis is to use structural equation modelling. The results show that e-learning had a positive and significant relationship with performance, digital leadership had a positive and significant relationship with performance and digital innovation had a positive and significant relationship with performance.

In the digital era the research study discusses the role of government policy, negative emotions and digital trust in cyber violence, therefore this research adds to the literature and provides references regarding the important role of government policy on cyber violence is very limited. This research aims to investigate the relationship between digital distrust and cyber violence, and the relationship between government policy and cyber violence. The research method used in this research is associative research. Associative research is research that aims to determine the relationship between the hubs of two or more variables. In this way, we can build a theory that functions to predict and control a phenomenon. The population in this study were all students who had studied using e-learning or digital platforms. In this study, the number of respondents was 543 high school students throughout Indonesia. The sampling technique used in this research is nonprobability sampling. In this research, the data collection method used was the questionnaire method. The instrument used to measure this research variable is a 5-point Likert scale. Data processing in this research uses SmartPLS software. The stages of data analysis in this research are the outer model test which includes convergent validity, discriminant validity and composite reliability as well as inner model analysis, namely hypothesis testing. The results of this research are that digital distrust has a positive and significant relationship to cyber violence, negative emotions have a positive and significant relationship with cyber violence, and government policy has a positive and significant relationship with cyber violence. This research adds to the literature and provides references regarding the important role of government policy, digital distrust, and negative emotions in cyber violence. Indonesia, the government needs to implement and evaluate new regulations related to cybercrimes. The government must establish new regulations to combat cybercrime.

In recent years, E-Commerce has experienced a very significant increase. E-commerce provides a broad overview of technology, processes and practices that can be carried out without using paper as a means of transactions. E-commerce can be a solution to the paper waste problem which is an environmental issue that can lead to social problems. Thus, e-commerce has a vital role in achieving business sustainability performance. E-commerce has had a big influence on the social and economic growth of today's society. Business management's ability to manage financial information is an important indicator in influencing Micro, Small and Medium Enterprises’ (MSME's) business performance. Good managements’ financial literacy equips MSMEs with knowledge and skill empowering MSMEs to make informed financial decisions, manage resources effectively and promote sustainable development. This research aims to analyze the relationship between E-Commerce and the sustainability performance of MSMEs and analyze the relationship between financial literacy and its positive and significant relationship with the sustainability performance of MSMEs. The research method uses a descriptive method with a quantitative approach. The population in this research are MSMEs managers in Indonesia who have comprehensive knowledge regarding the operations and performance of MSMEs. In this study, researchers used a simple random sampling technique with a sample size of 478 MSME managers. Data analysis in this research uses the Partial Least Square (PLS) technique which is an alternative method based on the variance of the variables used. The stages of data analysis are validity testing, reliability testing and hypothesis testing. The independent variables in this research are e-commerce and financial literacy, while the dependent variable is MSME sustainability performance. The results of this research show that e-commerce has a positive and significant relationship with MSME sustainability performance and financial literacy has a positive and significant relationship to MSME sustainability performance. In addition, e-commerce has a significant influence on the sustainability performance of MSMEs because the presence of e-commerce is one of the marketing alternatives used to reach more vendors and customers which can change the supply chain leads to social problem solution such as food distribution. Further, e-commerce may minimize traveling long distances for shopping resulting to the carbon footprint reduction. MSMEs have the same opportunity to use e-commerce as an alternative to maximize performance. However, not all MSMEs have the capability to use and utilize e-commerce optimally. After all, knowing good financial management will make it easier to make sustainable decisions since the higher the level of financial literacy, the MSME players can optimize their sustainability performance.

This study investigates the relationship between business intelligence adoption (Business Intelligence (BI), Data Analysis and Reporting (DAR), Business Process Integration (BPI), and Continuous Improvement and Innovation (CII)) and marketing effectiveness in the Jordanian telecom industry. It specifically examines the mediating role of customer satisfaction in this relationship. A survey design method using the cross-sectional survey was utilized during the research process, involving quantification. The data was collected from 285 employees across the Jordanian telecom sector via electronic response forms. As the analysis's method, the partial least squares structural equation modeling (PLS-SEM) was utilized. The results, which showed BI, DAR and CII to have a positive direct effect on marketing effectiveness, whilst BPI displayed a negative direct impact, were compelling. But clear signs of positive influence on CS by the four dimensions of BI (BI, DAR, BPI, and CII) have also been observed, and this result has been proved to be a mediator between them and business effectiveness. The above study is a source of invaluable learning for the managers of telecom companies in Jordan is a tool that managers in the Jordanian telecom industry will greatly benefit from in the sense that it brings out all the importance of integrating BI, DAR, BPI, and CII practices that emphasize high quality customer service. By properly utilizing these assets and up-to-the-market, companies can improve the effectiveness of marketing and the whole organizational efficiency. The study enhances the existing theory of the interrelationships between the adoption of business intelligence, customer satisfaction, and marketing power which can be viewed from both resource-based view (RBV) theory and expectation-based theory (EDT). It affirms an idea that the RBV was rooted in that when organizational assets are valuable, firms have a competitive advantage and better performance. Also, an EDT states that customer satisfaction increases if the expectations of customers are met. Innovation - The essay is innovative and takes an original angle to explore the multifaceted interconnectivity among business intelligence adoption, customer satisfaction, and marketing effectiveness in the framework of the Jordanian telecom industry. It highlights the steps to customer satisfaction problem solutions and the caution comes with process integration efforts, hence, helping to arrive at a full comprehension of the aspirations for organizational performance in the field.

In the digital era that continues to develop, information technology has brought significant changes to various aspects of human life. One of the clearest impacts is in the field of education. In this era, learning is no longer limited to physical classrooms and textbooks, instead, electronic learning or e-learning has become a popular alternative for accessing knowledge and learning online. This research aims to analyze the relationship between e-learning variables and school performance, the relationship between digital transformation variables and school performance and the relationship between digital innovation and school performance. The study uses a quantitative method approach and data analysis using the Partial Least Square -Structural Equation Modeling (PLS-SEM) approach. Research data was obtained by distributing an online questionnaire form via social media platforms. The questionnaire was designed to contain statement items on a Likert scale from 1 to 7. The respondents for this research were 467 school principals in Indonesia who were determined using the sample determination method, namely simple random sampling. The stages of research data analysis are validity testing, reliability testing and hypothesis testing or significance testing. The independent variables in this research are e-learning, digital transformation and digital innovation, the dependent variable in this research is school performance. The results indicate that e-learning, digital transformation, and innovation had positive and significant effects on school performance.

The present study aims to examine the implementation of Blockchain Technology within the financial sector, with a specific emphasis on its acceptance by Islamic banks operating in the United Arab Emirates (UAE). In the context of a technologically advanced period that necessitates expeditious and safe transactions, blockchain emerges as a viable remedy by obviating the need for intermediary entities and augmenting the velocity and security of transactions. This study uses Partial Least Squares Structural Equation Modeling (PLS-SEM) to investigate the important success aspects of technology and its influence on the performance of Islamic banks. The findings of this study are of particular importance, as they demonstrate the considerable impact of Investment Willingness on Financial Resources. Additionally, the study highlights the crucial role played by Organizational Culture and Leadership Support in fostering readiness for adoption. This study serves as an initial step towards the wider use of blockchain technology in the financial industry, with a particular focus on its application within Islamic banking institutions.

Financial technology, also known as Fintech, continues to transform the financial services sector globally. Fintech adoption has been delayed in some places, particularly in the Middle East, despite the potential positive benefits. This study investigates the mediating effect of perceived ease of use on the relationship between seamless transactions, financial risk, legal risk, security risk, perceived risk, and the intention to use financial technology in Middle Eastern countries. Data was collected from 500 respondents from five Middle Eastern countries (Jordan, Kuwait, Saudi Arabia, Qatar, and the United Arab Emirates) using a structured questionnaire, and partial least squares structural equation modelling (PLS-SEM) was used to test the research model. The findings demonstrate that perceived ease of use strongly mediates the links between seamless transactions, financial risk, legal risk, security risk, perceived risk, and the intention to use financial technology. The study shed light on the significance of perceived ease of use in influencing people's intention to utilize financial technology as well as the function it serves in minimizing the effects of perceived risks. The findings of this study could be useful for financial technology companies operating in Middle Eastern countries, policymakers, and researchers interested in the adoption of financial technology.

Big data has become much more widely used in recent years, particularly in the banking sector. Banks have begun to use big data to enhance customer experience, optimize operations, and create novel products and services. This study investigates the effect of big data governance on financial technology in Jordanian commercial banks. The study focuses on the four dimensions of big data governance: strategy and planning, ethics and social responsibility, data quality and management, and infrastructure and architecture. Additionally, the study considers the mediating role of organizational culture in the relationship between big data governance and financial technology. Primary data were collected from 250 IT employees working in Jordanian commercial banks, and the data were analyzed using PLS-SEM. The study findings indicate that big data governance has a significant positive effect on financial technology in Jordanian commercial banks. Additionally, it has been discovered that organizational culture partially mediates the relationship between big data governance and financial technology, emphasizing the significance of creating a culture that encourages the efficient use of data in fintech. In the context of Jordanian commercial banks, this study presents empirical evidence for the connection between big data governance and financial technology. The results indicate that big data governance measures should be applied while taking organizational culture into account as a potential mediator of the effects on financial technology. This study offers guidance on how to successfully integrate big data governance policies in commercial banks to advance financial technology for bank managers and policymakers.