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.

This study proceeds from a central interest in the importance of assessing the IS-Support provided to key-user groups. This study conceptualized a new multidimensional IS-Support construct with four dimensions: training, documentation, assistance and authorisation, which form the overarching construct – IS-Support. We argue that a holistic measure for assessing IS-Support should consist of dimensions, and measures, that together assess the support provided to IS key-user groups. The proposed IS-Support construct is defined as the support that IS key-user groups receive to increase their capabilities in utilizing information systems within the organization. Using a partial least square structural equation modeling (PLS-SEM) approach on data collected from 221 participants, this study rigorously hypothesized and validated the IS-Support model. Implications for research and practitioners as well as insights for future research is discussed.

Numerous studies have been conducted on individual and organizational adoption of social media, and many of these studies were conducted in advanced economies by focusing on large corporations. This study addresses the gap by examining the use of social media by SMEs in West Africa, notably Nigeria. Using a structured questionnaire, 682 small business owners were questioned regarding their thoughts on social media adoption: cost, privacy, convenience, and quality of service. The PLS-SEM result reveals a structural relationship between social media adoption and SME performance. Due to the substantial change in operations induced by COVID-19, enterprises are increasing their involvement in social media marketing to improve performance, and the competence of social media strengthens the effect on customer satisfaction.

Technology-based education is the modern-day medium that is widely being used by teachers and their students to exchange information over applications based on Information and Communication Technology (ICT) such as Google Glass. There is still resistance shown by a few universities around the globe when it comes to shifting to the online mode of education. While few have shifted to Google Glass, others are yet to do so. We base this study to explore Google Glass Adoption in the Gulf area. We thought that introducing the teachers and students to all the pros that Google Glass presents on the table might get their attention in considering using it as the medium to exchange information in their respective institutes. This paper presents the structure of a framework depicting the association between TAM and other Influential factors. All in all, this investigation analyzes the incorporation of the Technology Acceptance Model (TAM) with the major features associated with the method such as instructing and learning facilitator, functionality, and trust and information privacy to improve correspondence among facilitators and students during the learning process. A total of 420 questionnaires were collected from various universities. The data that was gathered through the surveys was employed for the analysis of the research model using the Partial least squares-structural equation modeling (PLS-SEM) and machine learning models. The outcome showed that the factor of functionality and trust and privacy goes hand in hand with perceived usefulness and perceived ease of use associated with Google Glass. Both the Factors, Perceived usefulness and perceived ease of use have a significant impact on Google Glass adoption. This implies the significant impact of Perceived ease of use and Trust and privacy on the adoption of Google Glass The study also offers practical implications of outcomes for future research.

Structural Equation Modeling (SEM) includes measurement and structural model for hypothesis testing. The results yielded from structural model is unlikely to be valid if a poor loading of an indicator is selected. The impact of these erroneous result on standardized loading is disregard. Thus, knowing how poor loading can affect the validity of measurement model is a crucial issue. This paper attempts to compare the standardized loadings result between two prominent SEM methods (CBSEM and PLS-SEM) using three varied of simulation models (TRA, Loyalty and UTAUT model) to investigate their effects on reliability and validity of measurement model. The data for each model were generated using R software by setting the value of standardized loading and the construct correlations (N=50, 100, 200 and 500). The value of standardized loadings was set to 0.60 for each construct in the model while the construct correlations were set in the range between 0.45 to 0.65. Then, the AMOS 21.0 and ADANCO 2.0 were used to perform the statistical analysis. It shows that good standardized loading can increase the reliability and validity of construct representation. CBSEM is particularly yielded valid and unbiased estimation under confirmatory condition (established theory) compared with PLS-SEM. The results are illustrated with empirical examples. This paper provides updated evidence about CBSEM and PLS-SEM when assessing the measurement model.