The purpose of this study is to investigate the moderating role of digital marketing strategies on innovation through Artificial Intelligence (AI) mediating impact in Small and Medium Enterprises within Saudi Arabia. Advanced analytics tools analyzed data from KSA SMEs to establish the role of AI, customer behavior, and experiences in product and process innovation. Artificial intelligence boosts product and process innovation with unconventional customer knowledge. Integrating AI combined with digital marketing to improve decisions and efficiency, to increase understanding of customer dynamics for sustaining growth and promoting collaborations. Using AI-empowered digital marketing strengthens Saudi SMEs advancement by promptly reacting to market motions. Sustainability practices attract the environmentally conscious consumer. This research provides actionable insights for SMEs who want to employ digital marketing and AI strategies and contribute to building an economic environment in Saudi Arabia.

The main goal of this research is to study and investigate the impact of data management and analysis tools on improving organizational behavior within three IT service firms in Jordan. This research focuses on choosing three data management and analysis tools: Database analysis tool, data processing tool, and big data processing tool and how these tools could positively influence enhancing employee performance and organizational behavior. It accomplishes this within the distinct framework of three Jordanian IT service firms. The research supposed that combining big data analysis, integrated data processing, and database analysis is necessary to enhance organizational behavior and employee performance, as indicated by the findings. Furthermore, the research highlights the potential for IT service firms in Jordan to benefit from emerging database analysis technologies, promote the use of integrated data processing techniques, and leverage big data analysis for their own benefit. This can enhance corporate behavior and employee performance. Data was distributed and collected from three Jordanian IT service firms, and all collected data was analyzed using AMOS. The study's findings offer valuable recommendations for enhancing the operational efficiency of IT service firms in similar business environments, emphasizing the crucial importance of comprehending and purposefully employing database-related technologies for sustained prosperity.

This study examines the extent of adoption of electronic payment methods in Jordanian banks and compares them with traditional alternatives. Focusing on banking customer behavior, we conducted a comprehensive survey among banking customers to uncover insights on trust, perceived benefits, financial literacy, ease of use, security and cost considerations. By analyzing the data collected using the questionnaire study tool, we reveal the motivations behind customers’ electronic payment preferences. By highlighting these factors, our research contributes to the understanding of the evolving payment landscape and provides actionable insights to enhance the adoption of electronic payment in Jordan’s financial system, in line with global technological trends. The results of the study revealed that all study variables had a significant impact (trust, ease of use, perceived security, and cost of service) on the use of electronic payment methods. In addition, gender, number of years of dealing with the bank, and type of electronic payment used more than once by customers in the banking sector did not have a significant impact.

Cryptocurrencies are crucial in modern commerce and finance, whether at the national, corporate, or individual level. They serve as fundamental currencies for buying and selling, enabling various business transactions. However, the rise of cybercrime has brought about concerns regarding their operations, potential breaches in encrypted currencies, and the security systems managing them. The frequency of attack tactics and the motivation of attackers seeking financial gain are well-known. Many cryptocurrencies lack the necessary algorithms, techniques, and knowledge to effectively detect and mitigate malware, making them vulnerable targets for hackers. In this study, machine learning techniques are employed to detect malicious code in digital currencies. Additionally, a comparison of these techniques is conducted to determine the most suitable algorithm and technology, Furthermore, this study highlights the importance of effective malware detection in securing cryptocurrencies. Three datasets of different sizes were used, each yielding distinct results based on dataset size. The AdaBoost model demonstrated superior performance when applied to the short dataset, while the decision tree model performed best with the medium-sized dataset. Conversely, the Naive Bayes model consistently produced the worst results, while the large-size KNN model achieved the highest performance.

Despite certain advancements, the incorporation of artificial intelligence in universities is still inadequate. The requirement for students will continue for a while, although the development of artificial intelligence-based chatbots in schools has limited the role of students. The research aimed to assess the willingness of Jordanian learners in higher education to use artificial intelligence-powered chatbots for instructional purposes. The present research suggests nine hypotheses derived from the UTAUT2 model to assess students' desire to use artificial intelligence-based chatbots in learning. The pupils' information was gathered and examined using PLS-SEM. The research results showed that nine hypotheses were confirmed. The outcomes indicate that learners are interested in adopting artificial intelligence-based chatbots into their studies. The research's findings will supply administrators at higher education with valuable insights into the effectiveness of artificial intelligence-based chatbots in learning. Moreover, the findings will help developers of artificial intelligence-based chatbots, higher learning administrators, and legislators execute artificial intelligence-based chatbots that fulfil modern educational requirements.

Advancements in technology have had a profound impact on the way we learn, teach, and access knowledge. From online learning platforms to interactive educational games and virtual reality simulations, technology has transformed the traditional classroom into a dynamic, engaging, and inclusive space for education. One of the promising advancements in the field of artificial intelligence technology is ChatGPT which offers personalized and effective learning experiences by providing students with customized feedback and explanation. The effect of ChatGPT must be compared with the effect of Google at the educational level since both present a source of information and explanation. Thus, this study aims at investigating the differences between these two learning sources to measure their effectiveness from different perspectives. The model proposed in this study was evaluated using the PLS-SEM approach, utilizing data collected from 153 university students in the UAE. The results of this evaluation indicate that the GPT (Generative Pre-trained Transformer) has a significant impact on user acceptance, mediated by information quality, system quality, perceived learning value, and perceived satisfaction. These factors play a crucial role in determining users' acceptance of the GPT. However, it is important to note that some aspects of the model were not supported, suggesting that they do not have a significant predictive effect on the use of ChatGPT. Nonetheless, the findings of this study contribute to the existing literature on AI and environmental sustainability, providing valuable insights for practitioners, policymakers, and AI product developers. These insights can help guide the development and implementation of AI technologies in a way that aligns with users' needs and preferences while considering the larger environmental context.

The classification of large-scale textual dataset is associated with a huge number of instances and millions of features which must be discriminated between large numbers of categories. The task requires the utilization of a defined hierarchy structure and tools that automatically classify instances within the hierarchy known as Large Scale Hierarchical Text Classification (LSHTC). Predicting the labels of instances by the employed classifiers is challenging due to the high number of features. Furthermore, the existing Dimensional Reduction (DR) approaches in cooperation with the LSHTC framework are still quite inefficient. In such a problem, an effective Hierarchical Dimensional Reduction approach can be advantageous in improving the performance of the LSHTC. Therefore, in this paper, we enhance the performance of LSHTC by proposing a Multi-stage Hierarchical Dimensional Reduction (MHDR) approach based on Modified Feature Hashing (MFH) and Hierarchical Bi-Filtering (HBF) method. In addition to alleviating bad collision and result discrepancy, experimental results show that the proposed approach has achieve the best performance in terms of micro-f1 and macro-f1 by recording average scores of 58.47% and 54.77% using TD-SVM, and average scores of 51.14% and 48.70% using TD-LR, respectively. The method also achieved 11% speed-up than the approaches compared.

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 study explores the factors affecting CliQ payment service adoption in Jordan as it represents a major shift in the Jordanian market to Fintech and mobile marketing. This study presented a distinctive model by integrating the “unified theory of acceptance” and the “technology acceptance model” TAM with the “use of technology UTAUT” to measure the behavioral intention of consumers and the satisfaction of the users towards utilizing the CliQ service. The study measured the linkage between four predictors (perceived usefulness, social influence, perceived ease of use, and financial risk) as well as both utilizers’ intention to CliQ service usage and utilizers’ satisfaction with using the service, along with observing the association between these predictors to determine their contribution to the users’ satisfaction mediated by the users’ intention to utilize the service mentioned above. A survey instrument was distributed to 604 respondents, and it was developed and validated by academics, as a pilot test. As well as a pre-test. Hypotheses were tested with multiple linear regression analysis using SmartPLS software to interpret path coefficients, and reliability and validity within the outer model were tested through correlation analysis. Additionally, internal consistency was explored by applying Cronbach’s alpha. The outcomes proved that the predictors significantly affect both utilizers’ behavioral attitudes and satisfaction with using the CliQ service, except for financial risk. The data analysis also indicated a significant indirect influence of all the independent variables on utilizers’ satisfaction through behavioral intention to utilize the CliQ service, except for financial risk, which had an insignificant indirect influence on utilizers’ satisfaction through behavioral intention for service usage. The findings of the current article close the gap found in the literature concerning measuring usability to enhance user satisfaction and adoption of Fintech services. Therefore, bank managers and policy planners can find insights for developing and improving mobile banking apps.

With flexible learning, students are actively engaged in their own education and are held to high standards of performance. Online academic courses make it easier for students to receive personalized education because they provide students with more flexibility to concentrate on what is most important to them and give them greater control over their own education. This study’s objective was to investigate whether there is a correlation between how well students succeed in online classes and the extent to which they make use of the schedule and the geographical and resource flexibility offered by such programmes. This article uses a developing approach for predicting and classifying the flexibility in online learning of students who are at risk of failing due to academic and demographic variables. The K-nearest neighbours (KNN) method, the random forest (RF) method, and the logistic regression method were used to categorise the students participating in flexible online learning. The information for the dataset came from Kaggle, and it was gathered for use in testing machine learning. The dataset had a total of 1,875 instances representing 11 different features. Also, accuracy, precision, sensitivity and f-score metrics were applied to evaluate the system. The results show that the RF algorithm has a high accuracy percentage of 85%. The empirical findings demonstrate that students formed distinct patterns of learning time, location and access to knowledge. This suggests that flexibility was used to a significant degree. Patterns in learning time and the availability of learning materials were shown to have a substantial relationship with the accomplishments of the students. Understanding flexibility use habits may help adapt lessons and boost collaboration among similar students.