TIRANA, 22 July 2016 – The OSCE Presence in Albania welcomes the Assembly’s adoption today of the set of constitutional amendments aimed at reforming the justice sector. We commend the Assembly for this fundamental achievement, which was supported tangibly by many international experts and diplomats.

It is an important milestone, paving the way for the implementation of a meaningful justice reform. The amendments adopted today must now be cascaded down through the primary and secondary legislation, the procedures and policies of the entire judicial system. Reform is not genuine until it is felt by Albanian citizens in their daily lives, across the country.

The manner in which the reform package is implemented is essential for the sustainability and the success of the reform process. Sustainability and success also depend on a change in attitudes: establishing a culture of responsibility and accountability, countering impunity and consolidating respect for the rule of law at all levels of society. 

The OSCE Presence has been a committed contributor and partner of the reform process so far and stands ready to continue its active support at all levels.

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Japanese business consultancy firm Metaplanet has adopted a new investment strategy to acquire Bitcoin (BTC) that emulates MicroStrategy’s approach towards the flagship cryptocurrency. This business strategy has significantly increased the company’s Bitcoin portfolio, with its valuation nearly doubling since the beginning of the year.  MicroStrategy board members accepted BTC as a treasury asset in 2020 [...]

Nitesh Khullar said Our ML/AI models can analyze vast amounts of alternative data, from social media activity to transaction histories, providing a more complete view of an applicant's financial health

The Universal Postal Union (UPU) has selected Hurricane Commerce’s unique Kona API to help power global trade for postal operators.

The Elf on the Shelf will be featured in all new puzzles and games from MasterPieces Inc.

Digital marketing is a very broad term that includes website design, social media, online advertising, email advertising, SEO and more. This can be extremely confusing to the local business owner simply looking to attract more eyeballs on their site. They are typically too busy running operations to investigate which digital marketing strategies work best for their business.

In an effort to help local business owners such as restauranteurs, dentists, doctors, lawyers and any other service provider, I have put together the digital marketing strategies that all local businesses should adopt in 2017.

complete article

Ractopamine is a drug given to pigs and cows in the last months of their lives to "make the meat more lean". Taiwan has been blocking imports of meat from the US over concerns that the drug's residues that stay in the meat are less than healthy. At a recent Codex Alimentarius Commission meeting, the meat producing and exporting countries, and those heavily lobbied and pressured by US diplomats prevailed in a close vote to make the agency adopt a standard for residues of ractopamine in meat. That means that the countries that resist meat from doped animals will have a harder time to justify why they don't want to subject their citizens to yet another experiment for the sake of the economy of large-scale animal-to-meat operations. Scott Tips of the National Health Federation has represented the consumer side at Codex and he reports on the meeting: After taking a vote by secret ballot this late morning, the Chairman of the Codex Alimentarius Commission, Mr. Sanjay Dave, announced the results of the voting on whether or not Ractopamine (a steroid-like vet drug, the residues of which remain in the slaughtered animal to then be consumed by meat-eaters) standards were adopted. Out of 143 ballots cast, the vote was 69 for Ractopamine, 67 against Ractopamine, with 7 abstaining. If only one vote had shifted from the “for” camp to the “against” camp, then the result would have been completely different and the Ractopamine standard would not have been adopted. This voting was forced upon the Commission by the insistence of the United States, Costa Rica, and Brazil that the long stalemate over the adoption of a standard for Ractopamine MRLs (Maximum Residue Levels) could not be resolved through the Codex-preferred process of “consensus” but would, after all, have to be voted upon......

La Chine a promulgu� mercredi des politiques fiscales pour soutenir le d�veloppement stable et sain du march� de l'immobilier. Le minist�re des Finances a d�clar� que le pays augmenterait les incitations en termes de taxe sur les actes pour...

The NFL adopted seven of the rules changes proposed at the NFL owners meetings, with more possibly coming on Wednesday.

Daily decisions and lifestyle activity choices to improve your overall health and well being.

[Nile Post] Adoptive parents and advocates have called upon government to ease the stringent adoption regulations that they say are preventing many vulnerable children from finding homes.

UK-based R&D shop White Motorcycle Concepts (WMC) punched a gaping hole in a Zero SR/S electric motorcycle to reduce aerodynamic drag by 10%. The prototype now goes faster, and can deliver extended range at highway speeds – proving this method can serve as an effective way to increase EV efficiency.

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Category: Motorcycles, Transport

Tags: Zero Motorcycles, WMC (White Motorcycle Concepts), Electric Motorcycles, Aerodynamics

(Telecompaper) Arelion said it has expanded its partnership with Netscout to improve the carrier's DDoS attack mitigation capabilities...

Digital Education Council, Nov 13, 2024

Members of the Digital Education Council (mostly from business and management schools) have signed this short declaration (5 page PDF) following their inaugural meeting this week. Most interesting is their desire to "commit to developing strategies to maintain curricula relevance, at speed with the rapidly-evolving pace of industry."

Raised by the Hell’s Angel’s motorcycle gang as a youth, John Franklin lived a hell on earth before submitting to Christ and discovering The Orthodox Church while serving a third-term in prison. A story of (continuing) repentance and the grace and mercy of God, this is one you won’t want to miss!

In the baptismal prayer in which the priest blesses the baptismal water, there is a line that baptism will bestow upon the candidate the loosing of bonds, the remission of sins, the illumination of the soul and “the gift of adoption to sonship”. The phrase “adoption of sonship” is a reference to the words of St. Paul, who used the word to describe our salvation in Christ in Ephesians 1:5. There he sums up our salvation by saying that God “predestined us to adoption to sonship [Greek υίοθεσία/ uiothesia] through Jesus Christ to Himself”. Given that this adoption to sonship serves to encapsulate and summarize our entire salvation, we must pay it closer attention and to what it all means.

I am asked all the time about the process of becoming foster or adoptive parents. Before you get started on the journey to foster/adopt, there are a few hard questions you should ask yourself

Rachel says adopting her daughter has been exciting and scary but she wouldn't have it any other way.

Access to quality healthcare is a fundamental right but unfortunately, India suffers from gender disparities in healthcare access. Telemedicine has the potential to improve access to healthcare services for women by eliminating traditional barriers. Therefore, our research aims to investigate the factors influencing the adoption of telemedicine among Indian women. This study has collected 442 responses and analysed them through structural equation modelling. The result indicates a strong and positive connection between the willingness to adopt telemedicine services and factors like performance expectancy, perceived benefits, e-health literacy, and perceived reliability. Notably, perceived reliability emerges as the most impactful predictor, closely followed by perceived benefits, while factors like effort expectancy and user resistance show no significant influence. This underscores the pivotal role of reliability and perceived benefits in shaping women's inclination toward adopting telemedicine. The study provides practical insights for telemedicine providers and policymakers to customise strategies and policies for effective promotion.

Supply chain management practices are vital for success and survival in today's competitive Indian retail market. The advent of COVID-19 pandemic necessitates a digital disruption in retail supply chain management centred on efficient technology like blockchain in order to enhance supply chain performance. The present research aims to decipher the nature of associations between supply chain management practices, blockchain technology adoption and supply chain performance in retail firms. The research is based on primary survey of specific food and grocery retailers operating on a supermarket format stores in two Indian cities. The findings pointed towards the presence of significant and positive association of all the constructs with each other. Moreover, the mediating role of blockchain technology adoption was also revealed, i.e., it partially mediates the effects of supply chain management practices on supply chain performance.

While digitalisation reforms aiming to enhance the quality of public services were put in place, most stakeholders in developing countries still use paper-based-tendering processes, which are associated with increased costs. To overcome these problems, calls to adopt e-bidding have recently emerged. This study aims to explore the readiness of Moroccan SMEs to adopt e-bidding. To achieve this goal, we proposed an integrated framework combining the TAM and UTAUT models to examine the predictors of SMEs' intention to adopt e-bidding. We empirically tested the conceptual model using a partial least squares (PLS) estimation based on data from 210 SMEs. Our results suggest that effort expectancy, facilitating conditions, and social influence as the key factors influencing SMEs intention to adopt e-bidding. We also suggest firm size as a significant moderator. This will help in improving SMEs' user experience and will also allow a better implementation of e-bidding in Morocco and similar contexts.

Drawn from technology acceptance model, this study establishes a theoretical framework for the analytical interpretation of factors affecting job-seekers intention to use e-recruitment websites. Using the data obtained from 379 respondents in India, ten hypotheses derived from the experimental model are evaluated using a structural equation modelling technique. Vividness, perceived usefulness (PU), and attitude have been shown to have a significant positive impact on the behavioural intentions (BIs) of job-seekers, although perceived ease of use (PEOU) did not. Furthermore, perceived internet stress (PIS) is observed to be a significant antecedent PEOU; and PEOU is of PU. Such findings broaden our knowledge of e-recruiting in various ways and offer qualitative insights into the potential impact of website functionality on the attractiveness of job-seekers.

Aim/Purpose: The study seeks to utilize Augmented Reality (AR) in creating virtual laboratories for engineering education, focusing on enhancing teaching methodologies to facilitate student understanding of intricate and theoretical engineering principles while also assessing engineering students’ acceptance of such laboratories. Background: AR, a part of next-generation technology, has enhanced the perception of reality by overlaying virtual elements in the physical environment. The utilization of AR is prevalent across different disciplines, yet its efficacy in facilitating Science, Technology, Engineering, and Mathematics (STEM) education is limited. Engineering studies, a part of STEM learning, involves complex and abstract concepts like machine simulation, structural analysis, and design optimization; these things would be easy to grasp with the help of AR. This restriction can be attributed to their innovative characteristics and disparities. Therefore, providing a comprehensive analysis of the factors influencing the acceptance of these technologies by students - the primary target demographic – and examining the impact of these factors is essential to maximize the advantages of AR while refining the implementation processes. Methodology: The primary objective of this research is to develop and evaluate a tool that enriches the educational experience within engineering laboratories. Utilizing Unity game engine libraries, digital content is meticulously crafted for this tool and subsequently integrated with geo-location functionalities. The tool’s user-friendly interface allows both faculty and non-faculty members of the academic institution to establish effortlessly the virtual laboratory. Subsequently, an assessment of the tool is conducted through the application of the Unified Theory of Acceptance and Use of Technology (UTAUT2) model, involving the administration of surveys to university students to gauge their level of adaptability. Contribution: The utilization of interactive augmented learning in laboratory settings enables educational establishments to realize notable savings in time and resources, thereby achieving sustainable educational outcomes. The study is of great importance due to its utilization of student behavioral intentions as the underlying framework for developing an AR tool and illustrating the impact of learner experience on various objectives and the acceptance of AR in Engineering studies. Furthermore, the research results enable educational institutions to implement AR-based virtual laboratories to improve student experiences strategically, align with learner objectives, and ultimately boost the adaptability of AR technologies. Findings: Drawing on practice-based research, the authors showcase work samples and a digital project of AR-based Virtual labs to illustrate the evaluation of the adaptability of AR technology. Adaptability is calculated by conducting a survey of 300 undergraduate university students from different engineering departments and applying an adaptability method to determine the behavioral intentions of students. Recommendations for Practitioners: Engineering institutions could leverage research findings in the implementation of AR to enhance the effectiveness of AR technology in practical education settings. Recommendation for Researchers: The authors implement a pragmatic research framework aimed at integrating AR technology into virtual AR-based labs for engineering education. This study delves into a unique perspective within the realm of engineering studies, considering students’ perspectives and discerning their behavioral intentions by drawing upon previous research on technology utilization. The research employs various objectives and learner experiences to assess their influence on students’ acceptance of AR technology. Impact on Society: The use of AR in engineering institutions, especially in laboratory practicals, has a significant impact on society, supported by the UTAUT2 model. UTAUT2 model assesses factors like performance, effort expectancy, social influence, and conditions, showing that AR in education is feasible and adaptable. This adaptability helps students and educators incorporate AR tools effectively for better educational results. AR-based labs allow students to interact with complex engineering concepts in immersive settings, enhancing understanding and knowledge retention. This interactive augmented learning for laboratories saves educational institutions significant time and resources, attaining sustainable learning. Future Research: Further research can employ a more comprehensive acceptance model to examine learners’ adaptability to AR technology and try comparing different adaptability models to determine which is more effective for engineering students.

Aim/Purpose: This mixed-methods study aims to examine factors influencing academicians’ intentions to continue using AI-based chatbots by integrating the Task-Technology Fit (TTF) model and social network characteristics. Background: AI-powered chatbots are gaining popularity across industries, including academia. However, empirical research on academicians’ adoption behavior is limited. This study proposes an integrated model incorporating TTF factors and social network characteristics like density, homophily, and connectedness to understand academics’ continuance intentions. Methodology: A qualitative study involving 31 interviews of academics from India examined attitudes and the potential role of social network characteristics like density, homophily, and connectedness in adoption. Results showed positive sentiment towards chatbots and themes on how peer groups accelerate diffusion. In the second phase, a survey of 448 faculty members from prominent Indian universities was conducted to test the proposed research model. Contribution: The study proposes and validates an integrated model of TTF and social network factors that influence academics’ continued usage intentions toward AI chatbots. It highlights the nuanced role of peer networks in shaping adoption. Findings: Task and technology characteristics positively affected academics’ intentions to continue AI chatbot usage. Among network factors, density showed the strongest effect on TTF and perceived usefulness, while homophily and connectedness had partial effects. The study provides insights into designing appropriate AI tools for the academic context. Recommendations for Practitioners: AI chatbot designers should focus on aligning features to academics’ task needs and preferences. Compatibility with academic work culture is critical. Given peer network influences, training and demonstrations to user groups can enhance adoption. Platforms should have capabilities for collaborative use. Targeted messaging customized to disciplines can resonate better with academic subgroups. Multidisciplinary influencers should be engaged. Concerns like plagiarism risks, privacy, and job impacts should be transparently addressed. Recommendation for Researchers: More studies are needed across academic subfields to understand nuanced requirements and barriers. Further studies are recommended to investigate differences across disciplines and demographics, relative effects of specific network factors like size, proximity, and frequency of interaction, the role of academic leadership and institutional policies in enabling chatbot adoption, and how AI training biases impact usefulness perceptions and ethical issues. Impact on Society: Increased productivity in academia through the appropriate and ethical use of AI can enhance quality, access, and equity in education. AI can assist in mundane tasks, freeing academics’ time for higher-order objectives like critical thinking development. Responsible AI design and policies considering socio-cultural aspects will benefit sustainable growth. With careful implementation, it can make positive impacts on student engagement, learning support, and research efficiency. Future Research: Conduct longitudinal studies to examine the long-term impacts of AI chatbot usage in academia. Track usage behaviors over time as familiarity develops. Investigate differences across academic disciplines and roles. Requirements may vary for humanities versus STEM faculty or undergraduate versus graduate students. Assess user trust in AI and how it evolves with repeated usage, and examine trust-building strategies. Develop frameworks to assess pedagogical effectiveness and ethical risks of conversational agents in academic contexts.

The present study attempts to find out the determinants of FinTech adoption for financial inclusion by a microfinance institution in India. The factors such as efficiency, consistency, convenience, reliability are taken as predictors of organisational attitude. Similarly, organisational attitude, ease of use, and perceived benefits are considered as antecedents of organisational adoption intention of FinTech in microfinance institutions of India. The purposive sampling technique was used to get a filled survey instrument by target samples. The results indicate that convenience and consistency in the use of FinTech applications build a favourable attitude to adopt it. Furthermore, perceived benefits are the most important antecedents of the adoption intention of FinTech in the microfinance institution in India. Additionally, the reliability of the application has a positive but insignificant impact on organisational attitude to adopt FinTech. The implications of the present study are discussed.

The study aims to unveil the various determinants that drive the adoption of e-governance services (EGS). Using the UTAUT 3 model, the research investigated these factors within the Indian context. A purposive sampling technique was utilised to collect the samples from 680 respondents through the online survey method. Furthermore, the study employs structural equation modelling (SEM) to examine the structural relationships between the UTAUT3 model's dimensions in the context of e-governance. Findings revealed that the UTAUT3 model adequately predicts the intention to adopt EGS. The present study addressed a significant gap in the literature on EGS and technology adoption by establishing a relationship between different dimensions of the UTAUT3 model and actual usage of EGS. The findings have implications for practitioners and policymakers as they throw light on the effective implementation of e-governance programs, which are essential for providing the citizens with high-quality services.

Aim/Purpose: Bring your own device (BYOD) provides opportunities for both the organization and employees, but the adoption of BYOD also introduces risks. This case study of an organization’s BYOD program identifies key positive and negative influences on the adoption decision. Background: The consumerization of IT introduced the BYOD phenomenon into the enterprise environment. As mobile and Internet technologies improve employees are opting to use their personal devices to access organizational systems to perform their work tasks. Such devices include smartphones, tablets and laptop computers. Methodology: This research uses a case study approach to investigate how business priorities drive the adoption of BYOD and how resulting benefits and risks are realized and managed by the organization. Primary empirical data was collected using semi-structured interviews with 15 senior employees from a large South African financial services organization. Policy documents from the organization were analyzed as secondary data. Contribution: Thematic analysis of the data revealed six major themes: improving employee mobility; improving client service and experience; creating a competitive industry advantage; improving business processes; information security risks; and management best practices. Findings: The themes were analyzed using the Technology-Organization-Environment (TOE) framework, showing the key positive and negative influences on the adoption decision. Recommendations for Practitioners: Organizations need to clearly understand the reasons they want to introduce BYOD in their organizations. The conceptual framework can be applied by practitioners in their organizations to achieve their BYOD business objectives. Recommendations for Researchers: BYOD remains an important innovation for organizations with several aspects worthy of further study. The TOE framework presents a suitable lens for analysis, but other models should also be considered. Impact on Society: The findings show that organizations can use BYOD to improve client service, gain competitive advantage, and improve their processes using their digital devices and backend systems. The BYOD trend is thus not likely to go away anytime soon. Future Research: The applicability of findings should be validated across additional contexts. Additional models should also be used.

Information and communication technologies (ICTs) encompassing computer and network hardware and software, and so on, as well as various services and applications associated with them, are assuming a growing presence within the modern homestead and have an indelible impact on the professional and everyday life of people. This research aims to explore factors influencing the successful adoption and usage of ICTs within Polish households. Based on prior literature and practical experiences, a framework of success factors is provided. The required data was collected from a survey questionnaire administered to a sample of Polish households to examine this framework and identifies which factors are of greatest importance for the adoption and usage of ICTs within households in Poland. Based on 751 questionnaires the paper indicates that the adoption of ICTs within households is mainly influenced by the economic status of households and cost of ICTs, perceived economic benefits from the usage of ICTs, technological availability and security of ICTs, ICT competences and awareness, as well as satisfaction with the adoption of ICTs. Furthermore, gender, education, and place of residence do not reflect significant differences on the factors. Yet, there are significant differences among the factors that could be attributed to age. Both, policy makers and ICT providers can benefit from the findings with regard to bridging the gap of ICT adoption and use in the Polish households.

Aim/Purpose: This paper identifies the antecedents that affect E-Banking (EB) adoption and investigates the relationship between the level of EB adoption and the performance of private banks. Background: Rapid technological advancement has transformed the business environment dramatically. These advancements particularly the Internet has reshaped the way businesses operate. Over the last decade, the banking industry has become highly complex and competitive and operates in a highly volatile and unpredictable global economy. With the increasing demand for electronic services, banks are harnessing EB technology to improve their products and services. Methodology: Quantitative research using Structural Equation Modelling (SEM) was carried out with a sample size of 211 by sending questionnaires to employees of six banks in Khartoum, Sudan. The study is based on different technology theories and models. Contribution: The study provides insights into the employees’ perception of EB adoption in their banking transactions. Findings: The results showed that four factors are significant in the adoption of EB in Sudan. However, training and user trust were insignificant in determining its adoption. Moreover, the level of adoption of EB significantly affected private bank performance. Recommendations for Practitioners: Private banks in Sudan that are interested in EB might find these findings helpful in guiding their technology adoption and application initiatives. Recommendation for Researchers: To validate the research model, cross data from different countries are encouraged to apply the model to capture the differences and similarities among them. In addition, a longitudinal research could be conducted to gather data for adoption process over a longer period rather than one point of time, to investigate antecedents and bank performance outcomes by the end of the study period. Other antecedents and outcomes could possibly be included to improve the power of the study model. Impact on Society: This study provides a reference for banks with similar developing country backgrounds in adopting EB to enhance their performance. Moreover, knowledge of antecedents and outcomes of EB adoption could be positively reflected in service quality performance. Future Research: This research is limited to the employees’ perspective, and future research could consider the perception of customers from a developing country towards EB adoption.

Aim/Purpose: This study aims at (1) extending an existing theoretical framework to gain a deeper understanding of the technology acceptance process, notably of the Facebook social network in an unexplored Middle East context, (2) investigating the influence of social support theory on Facebook adoption outside the work context, (3) validating the effectiveness of the proposed research model for enhancing Facebook adoption, and (4) determining the effect of individual differences (gender, age, experience, and educational level) amongst Facebook users on the associated path between the proposed model constructs. Background: Social networking sites (SNSs) are widely adopted to facilitate social interaction in the Web-based medium. As such, this present work contends that there is a gap in the existing literature, particularly in the Middle East context, as regards an empirical investigation of the relationship between the social, psychological, individual, and cognitive constructs potentially affecting users’ intention to accept SNSs. The present research, therefore, attempts to address this deficit. The relevance of this work is also considered in light of the scarcity of empirical evidence and lack of detailed research on the effect of social support theory with regard to SNS adoption in a non-work context. Methodology: A quantitative research approach was adopted for this study. The corresponding analysis was carried out based on structural equation modelling (SEM), more specifically, partial least squares (PLS), using SmartPLS software. Earlier research recommended the PLS approach for exploratory studies when extending an existing model or developing a new theory. PLS is also a superior method of complex causal modelling. Moreover, a multi-group analysis technique was adopted to investigate the moderating influence of individual differences. This method divides the dataset into two groups and then computes the cause and effect relationships between the research model variables for each set. The analysis of an in-person survey with a sample of Facebook users (N=369) subsequently suggested four significant predictors of continuous Facebook use. Contribution: This study contributes to the body of knowledge relating to SNSs by providing empirical evidence of constructs that influence Facebook acceptance in the case of a developing country. It raises awareness of antecedents of Facebook acceptance at a time when SNSs are widely used in Arab nations and worldwide. It also contributes to previous literature on the effectiveness of the unified theory of acceptance and use of technology (UTAUT) in different cultural contexts. Another significant contribution of this study is that it has reported on the relevance of social support theory to Facebook adoption, with this theory demonstrating a significant and direct ability to predict Facebook acceptance. Finally, the present research identified the significant moderating effect of individual differences on the associated path between the proposed model constructs. This means that regardless of technological development, individual gaps still appeared to exist among users. Findings: The findings suggested four significant predictors of continuous Facebook use, namely, (a) performance expectancy, (b) peer support, (c) family support, and (d) perceived playfulness. Furthermore, behavioral intention and facilitating conditions were found to be significant determinants of actual Facebook use, while individual differences were shown to moderate the path strength between several variables in the proposed research model. Recommendations for Practitioners: The results of the present study make practical contributions to SNS organizations. For example, this research revealed that users do not adopt Facebook because of its usefulness alone; instead, users’ acceptance is developed through a sequence of variables such as individual differences, psychological factors, and social and organizational beliefs. Accordingly, social media organizations should not consider only strategies that apply to just one context, but also to other contexts characterized by different beliefs, perceptions, and cultures. Moreover, the evidence provided here is that social support theory has a significant influence on SNSs acceptance. This suggests that social media organizations should provide services to support this concept. Furthermore, the significant positive effect of perceived playfulness on the intention to use SNSs implied that designers and organizations should pay further attention to the entertainment services provided by social networks. Recommendation for Researchers: To validate the proposed conceptual framework, researchers from different countries and cultures are invited to apply the model. Moreover, a longitudinal research design could be implemented to gather data over a longer period, in order to investigate whether users have changed their attitudes, beliefs, perceptions, and intention by the end of the study period. Other constructs, such as individual experience, compatibility, and quality of working life could be included to improve the power of the proposed model. Impact on Society: Middle Eastern Facebook users regard the network as an important tool for interacting with others. The increasing number of Facebook users renders it a tool of universal communication and enjoyment, as well as a marketing network. However, knowledge of the constructs affecting the application of SNSs is valuable for ensuring that such sites have the various functions required to suit different types of user. Future Research: It is hoped that our future research will build on the results of this work and attempt to provide further explanation of why users accept SNSs. In this future research, the proposed research model could be adopted to explore SNSs acceptance in other developing countries. Researchers might also include other factors of potential influence on SNSs acceptance. The constructs influencing acceptance of other social networks could then be compared to the present research findings and thus, the differences and similarities would be highlighted.

Aim/Purpose: This paper explored the factors (enablers and barriers) that affect Bitcoin adoption in South Africa, a Sub-Saharan country with the high potential for Bitcoin adoption. Background: In recent years, Bitcoin has seen a rapid growth as a virtual cryptocurrency throughout the world. Bitcoin is a protocol which allows value to be exchanged over the internet without a central bank or intermediary. Cryptocurrencies such as Bitcoin are technological tools that arguably can contribute to reducing transactions costs. This paper explored the factors that affect Bitcoin adoption in South Africa, a Sub-Saharan country with the high potential for Bitcoin adoption, as little is known about the factors that affect Bitcoin adoption and the barriers to adoption. Methodology: A quantitative questionnaire was distributed to South African virtual communities where Bitcoin is a topic of interest, and 237 quantitative responses were received, along with 212 open-ended comments. Contribution: This research contributes to the body of knowledge in information systems by providing insights into factors that affect Bitcoin adoption in South Africa. It raises awareness of incentives and barriers to Bitcoin adoption at a time when financial literacy is a crucial issue both in South Africa and worldwide. Findings: The results indicate that perceived benefit, attitude towards Bitcoin, subjective norm, and perceived behavioral control directly affected the participants’ intentions to use Bitcoin. Perceived benefit, usefulness, ease of use, and trust-related risk were found to indirectly affect intention to use Bitcoin. Further, it emerges that the barriers to Bitcoin adoption in South Africa consist of the complex nature of Bitcoin and its high degree of volatility. Recommendations for Practitioners: Bitcoin can contribute to reducing transactions costs, but factors that affect adoption and the barriers to adoption should be taken into consideration. These findings can inform systems and software developers to develop applications that make managing Bitcoin keys and transacting using Bitcoin less complex and more intuitive for end users. Recommendation for Researchers: Bitcoin adoption in South Africa is a topic that has not been previously researched. Researchers could research similarities or differences in the various constructs that were used in this research model. Impact on Society: South African Bitcoin users consider it as a universal currency that makes cross-border payments cheaper. A large number of refugees and workers in South Africa make regular payments across borders. Bitcoin could reduce the costs of these transfers. Future Research: Future research could explore Bitcoin (and other cryptocurrencies) adoption in other developing countries. Researchers could look at factors that influence cryptocurrency adoption in general. The factors affecting adoption of other cryptocurrencies can be compared to the results of this study, and similarities and differences can thus be identified.

Aim/Purpose: This study aimed to examine the relationships among compatibility, relative advantage, complexity, IT Infrastructure, security, top Management Support, financial Support, information Policies, employee engagement, customer pressure, competitive pressure, information integrity, information sharing, attitude toward adopting technology factors, and CRM adoption Background: Customer relationship management (CRM) refers to the use of the process, information, technology, and people for the management of the interactions between the organization and its customers. Therefore, there is a need for SMEs to implement CRM practices in their businesses for competitive advantage. However, in developing nations, the adoption rate of such practices remains low. This low rate may be attributed to the lack of important factors that guide CRM adoption, and as such, the present study attempts to investigate the factors affecting CRM adoption in Palestinian SMEs. This paper used the Diffusion of Innovation Theory (DOI), Resource-Based View (RBV), and Technology, Organization, and Environment Framework (TOE) framework to identify the determinant factors from the technological, organizational, environmental, and information culture perspectives. Methodology: This study uses a quantitative approach to investigate the relationships between the variables. A questionnaire was designed to collect data from 420 SMEs in Palestine. 331respondents completed and returned the survey. The Partial Least Square-Structural Equation Model (PLS-SEM) approach was used to assess both the measurement and structural models. Contribution: This study contributes to both theory and practitioners by providing insights into factors that affect CRM adoption in Palestinian SMEs, which did not explore before. Future research suggestions are also provided. Findings: The results of the study prove that the adoption of CRM depends on compatibility (CMP), security (SEC), top management support (TMS), information policies (INP), financial resources (FR), employee engagement (EEN), competitive pressure (COP), customers pressure (CUP), attitude toward adopting technology (ATA), information integrity (INI), and information sharing (INS). Surprisingly, complexity (CMX), IT infrastructure (ITI), and relative advantage (RLA) do not play any role in CRM adoption in Palestine. Recommendations for Practitioners: This study provides practitioners with the important factors for CRM adoption upon its successful implementation in the context of Palestinian SMEs. Recommendation for Researchers: Our findings may be used to conduct further studies about compatibility, security, top management support, information policies, financial resources, employee engagement, competitive pressure, customers pressure, attitude toward adopting technology, information integrity, information sharing factors, and CRM adoption by using different countries, procedure, and context. Impact on Society: The proposed framework provides insights for SMEs which have significant effects for research and practice to help facilitate the adoption of CRM Future Research: The findings may also be compared to other studies conducted in different contexts and provide deeper insights into the influence of the examined contexts on the employees’ intention toward CRM adoption in banking and universities. It would be fruitful to test whether the results hold true in developed and developing countries.

Aim/Purpose: This study aims to identify the main factors influencing consumers’ adoption of social commerce (s-commerce). Based on the socio-technical theory, the study suggests a research model that investigates the key social and technical factors driving consumers’ decision to purchase from social commerce websites. In addition, the research model explores the interactive relationship among these factors. Background: The phenomenon of social commerce (s-commerce) has emerged due to the increased penetration of social media and the rapid development of Web 2.0 technologies. Electronic commerce (e-commerce) companies have made significant efforts to shift their operations to s-commerce. Therefore, to facilitate their efforts to transform, various research has been conducted to investigate the main factor influencing the adoption of s-commerce. Most of these studies have emphasised the social aspects related to s-commerce design features to understand how the use of advanced web technologies influence how customers interact with each other in s-commerce environments. However, s-commerce is viewed as a socio-technical system that requires the investigation of both social and technical factors to help in the design of effective s-commerce platforms. Methodology: To validate the proposed research model, 418 paper-based and online questionnaires were collected from online shoppers in Jordan. The Structure Equation Modelling (SEM) approach was used to test the proposed hypotheses. Contribution: This study offers a research model that serves as a theoretical framework for investigating customers’ behaviour in s-commerce environment. It represents a strong context-specific model that includes both the technical and social facilitators of s-commerce. The research model participates in gaining an improved understanding of how customers’ intention, actual purchase and post-purchase experience are formed in the s-commerce environment. Findings: The results of Structure Equation Modelling (SEM) reveal that s-commerce constructs, familiarity and user experience have a positive influence on the perceived usefulness and perceived ease of use of s-commerce. In addition, perceptions of its usefulness and ease of use have a positive influence on trust, which in turn influences the purchase intention and the actual purchase. Finally, the post-purchase experience significantly influences both trust and purchase intention. Recommendations for Practitioners: This study shows that social commerce constructs strengthen customers’ perceptions of usefulness. S-commerce service providers are required to provide their customers with various channels to seek social support. Both familiarity and user experience are key enablers of customers’ perceived ease of use. S-commerce service providers consider the variation in customers’ familiarity and experience with s-commerce websites because this has a significant influence on purchase intentions and behaviour. Consequently, system designers should offer useful and sufficient information and tutorials that effectively guide customers in their searching, decision-making and purchasing activities throughout the shopping process. S-commerce service providers should understand the importance of providing secure payment systems and make their privacy policies clear to customers. Post-purchase experience has an influential role in reinforcing customers’ trust and purchase intention. The findings confirm the important role of post-purchase experience in retaining customers by improving their trust and repurchase intention. Therefore, making a customer’s post-purchase experience pleasant should be a key priority for s-commerce service providers because it has a significant influence on customers’ trust and repurchase intentions. Recommendation for Researchers: This study offers a unidimensional conceptualisation of the design features of s-commerce. These features include three main forms: recommendations and referrals, communities and forums, and reviews and ratings. Such conceptualisation provides additional insights and an understanding of the activities of information sharing in s-commerce. The significance of the technical side of s-commerce is highlighted and empirical proof is provided that social interactions guided by social technologies enhance customers’ perceived usefulness of an s-commerce website, thus increasing their trust and intention to purchase which leads to an actual purchase. This offers insights into the various types of s-commerce characteristics that contribute to facilitating customers’ purchase behaviour on s-commerce websites. Impact on Society: The findings offer insights which have important implications for research and practice to help facilitate the adoption of s-commerce. Future Research: This study considered the s-commerce websites as a homogenous online environment. Additional research could collect data from diverse online communities, such as professional groups, to provide a comprehensive understanding of how a wider variety of user behaviour is affected. Second, this was a quantitative study based on data collected in a questionnaire. Further studies may consider using qualitative or mixed methodologies (i.e. focus groups and interviews) to explore other technical and social factors that influence the use of s-commerce.

Aim/Purpose: The aim of this study is to determine the variables which affect the intention to use Near Field Communication (NFC)-enabled smart wearables (e.g., smartwatches, rings, wristbands) payments. Background: Despite the enormous potential of wearable payments, studies investigating the adoption of this technology are scarce. Methodology: This study extends the Technology Acceptance Model (TAM) with four additional variables (Perceived Security, Trust, Perceived Cost, and Attractiveness of Alternatives) to investigate behavioral intentions to adopt wearable payments. The moderating role of gender was also examined. Data collected from 311 Kuwaiti respondents were analyzed using Structural Equation Modeling (SEM) and multi-group analysis (MGA). Contribution: The research model provided in this study may be useful for academics and scholars conducting further research into m-payments adoption, specifically in the case of wearable payments where studies are scarce and still in the nascent stage; hence, addressing the gap in existing literature. Further, this study is the first to have specifically investigated wearable payments in the State of Kuwait; therefore, enriching Kuwaiti context literature. Findings: This study empirically demonstrated that behavioral intention to adopt wearable payments is mainly predicted by attractiveness of alternatives, perceived usefulness, perceived ease of use, perceived security and trust, while the role of perceived cost was found to be insignificant. Recommendations for Practitioners: This study draws attention to the importance of cognitive factors, such as perceived usefulness and ease of use, in inducing users’ behavioral intention to adopt wearable payments. As such, in the case of perceived usefulness, smart wearable devices manufacturers and banks enhance the functionalities and features of these devices, expand on the financial services provided through them, and maintain the availability, performance, effectiveness, and efficiency of these tools. In relation to ease of use, smart wearable devices should be designed with an easy to use, high quality and customizable user interface. The findings of this study demonstrated the influence of trust and perceived security in motivating users to adopt wearable payments, Hence, banks are advised to focus on a relationship based on trust, especially during the early stages of acceptance and adoption of wearable payments. Recommendation for Researchers: The current study validated the role of attractiveness of alternatives, which was never examined in the context of wearable payments. This, in turn, provides a new dimension about a determinant factor considered by customers in predicting their behavioral intention to adopt wearable payments. Impact on Society: This study could be used in other countries to compare and verify the results. Additionally, the research model of this study could also be used to investigate other m-payments methods, such as m-wallets and P2P payments. Future Research: Future studies should investigate the proposed model in a cross-country and cross-cultural perspective with additional economic, environmental, and technological factors. Also, future research may conduct a longitudinal study to explain how temporal changes and usage experience affect users’ behavioral intentions to adopt wearable payments. Finally, while this study included both influencing factors and inhibiting factors, other factors such as social influence, perceived compatibility, personal innovativeness, mobility, and customization could be considered in future research.

Aim/Purpose: Currently, the world faces unprecedented challenges due to COVID-19, particularly concerning individuals’ health and livelihood and organizations and industrial performance. Indeed, the pandemic has caused rapid intensifying socio-economic effects. For instance, organizations are shifting from traditional working patterns toward telecommuting. By adopting remote working, organizations might mitigate the impact of COVID-19 on their workforce, explicitly concerning their safety, wellbeing, mobility, work-life balance, and self-efficiency. From this perceptive, this study examines the factors that influence employees’ behavioral intention to adopt telecommuting in the banking industry. Background: The study’s relevance stems from the fact that telecommuting and its benefits have been assumed rather than demonstrated in the banking sector. However, the pandemic has driven the implementation of remote working, thereby revealing possible advantages of working from home in the banking industry. The study investigated the effect of COVID-19 in driving organizations to shift from traditional working patterns toward telecommuting. Thereby, the study investigates the banking sector employees’ behavioral intention to adopt telecommuting. Methodology: The study employed a survey-based questionnaire, which entails gathering data from employees of twelve banks in Jordan, as the banking sector in Jordan was the first to transform from traditional working to telecommuting. The sample for this research was 675 respondents; convenience sampling was employed as a sampling technique. Subsequently, the data were analyzed with the partial least square structural equation modeling (PLS-SEM) to statistically test the research model. Contribution: Firstly, this study provides a deep examination and understanding of facilitators of telecommuting in a single comprehensive model. Secondly, the study pro-vides a deeper insight into the factors affecting behavioral intention towards telecommuting from the employees’ perspective in the banking sector. Finally, this study is the first to examine telecommuting in the emerging market of Jordan. Thereby, this study provides critical recommendations for managers to facilitate the implementation of telecommuting. Findings: Using the Technology Acceptance Model (TAM), this study highlights significant relationships between telecommuting systems, quality, organizational support, and the perceived usefulness and ease of use in telecommuting. Employees who perceive telecommuting systems to be easy and receive supervision and training for using these systems are likely to adopt this work scheme. The results present critical theoretical and managerial implications regarding employees’ behavioral intentions toward telecommuting. Recommendations for Practitioners: This study suggests the importance of work-life balance for employees when telecommuting. Working from home while managing household duties can create complications for employees, particularly parents. Therefore, flexibility in terms of working hours is needed to increase employees’ acceptance of telecommuting as they will have more control over their life. These increase employees’ perceived self-efficacy with telecommuting, which smooths the transition toward remote working in the future. In addition, training will allow employees to solve technical issues that can arise from using online systems. Recommendation for Researchers: This study focused on the context of the banking sector. The sensitivity of data and transactions in this sector may influence employers’ and employees’ willingness to work remotely. In addition, the job descriptions of employees in banks moderate specific factors outlined in this model, including work-life balance. For instance, executive managers may have a higher overload in banks in contrast to front-line employees. Thus, future studies should explore different contexts, including manufacturing and consultation, to understand the industry’s effect on remote working. Similarly, future research should concentrate on the influence of job descriptions on employees’ intentions toward telecommuting. Impact on Society: The COVID-19 pandemic created a sudden shift towards telecommuting, which made employees struggle to adopt new work schemes. Therefore, managers had to provide training for their employees to be well prepared and increase their acceptance of telecommuting. Furthermore, telecommuting has a positive effect on work-life balance, it provides employees with the flexibility to organize their daily schedule into more activities. Along the same line, the study highlighted the correlation between work-life balance and telecommuting. Such a relationship provides further evidence for the need to understand employees’ lifestyles in facilitating the adoption of telecommuting. Moreover, the study extends the stream of literature by outlining critical factors affecting employees’ acceptance of telecommuting. Future Research: Future studies should explore different contexts, including manufacturing and consultation, to understand the industry’s effect on remote working. Similarly, future research should concentrate on the influence of job descriptions on employees’ intentions toward telecommuting. Furthermore, the research team conducted the study by surveying 12 banks. Future research recommends surveying the whole banking industry to add more validation to the model.

Aim/Purpose: Mobile commerce adoption is low in developing countries; hence, public servants may not consider mobile commerce and mobile payments. Understanding the factors that influence mobile commerce and mobile payments in their context will aid in promoting those services. Background: The study investigates the factors that influence public servants’ mobile commerce and mobile payments in Ghana. Hence, it provides some understanding of the various aspects of mobile commerce and mobile payments adoption, such as acceptance, use, and eventual adoption into the user’s daily life, and how that affects their behaviour. Methodology: The research was conducted by surveying the factors influencing public servants’ adoption of mobile commerce and payments in Ghana. A cross-sectional survey was undertaken to put the research model to the test to measure the constructs and their relationships. Contribution: The study confirmed previous findings and created a new conceptual model for mobile commerce and mobile payment adoption and usage in the Ghanaian context. Findings: The variables of performance expectancy, trust, and facilitating conditions have a significant positive influence on behavioural intention. The factors of effort expectation and social influence have a significant negative impact. Price value and perceived reliability are latent variables that do not affect behavioural intention. Behavioural intention and facilitating conditions significantly influence the actual use behaviour of mobile commerce and mobile payment users. Recommendations for Practitioners: Mobile commerce is emerging as a new mode of transactions, with firms providing enabling platforms for users. Mobile commerce could become the most acceptable application for the next generation of mobile platform applications. This study offers insights into the fluidity of the mobile environment, with implications that spell out what will be effective mobile commerce services that will continue to be relevant. Mobile applications are attractive to people because they provide a better user experience. These mobile applications have been optimised to provide a fast, easy and delightful experience. Mobile commerce and mobile payment service providers can attract and retain more users if attention is paid to performance expectancy, trust, and facilitating conditions since they influence individuals’ decisions to adopt. Mobile technology is almost ubiquitous, influencing both online sales and in-store sales. With the right mobile commerce platform and features, businesses can expect to increase in-store and online sales, catering to a more extensive clientele. Mobile devices are the primary means that most customers use to look up information about products they see in stores, such as product reviews and pricing options. This study indicates that mobile commerce service providers can achieve a more extensive customer base by promoting performance expectancy, trust, and behavioural intentions. Recommendation for Researchers: Despite the numerous studies in the mobile commerce literature, few have used integrated models of perceived reliability, trust, and price value or methods to evaluate these factors in the emerging mobile commerce industry. Also, it combines mobile commerce and mobile payments, which very few that we know of have done. Impact on Society: Ghana is already in a cash-lite economy. Thus, the study is appropriate with the result of trust being a significant factor. It implies that people will begin using mobile commerce and mobile payments with a bit of drive to bring about this drive quickly. Future Research: Future research could further test the adapted model with moderating factors of age, gender, and education to delve deeper into the complexities of mobile commerce and mobile payments.

Aim/Purpose: This study aimed to explore the impact of environmental drivers and trust on consumers’ adoption of Fintech services in the Jordanian context. It had also evaluated the mediating role of trust on the relation between environmental drivers and consumers adoption of Fintech services. Background: The reviewed studies on Fintech adoption demonstrated a lack of focus on the role of external or environmental drivers on consumers’ intentions to use and continue to use of Fintech services. Amongst the analyzed studies, the majority had examined the role of consumers perception of services usefulness and ease of use while few had included some environmental variables within the investigated variables such as social influence and government support. Furthermore, shortage of Fintech adoption related research in the developing countries, especially the Jordanian context was noted. Methodology: The study conceptual model was derived from Social Cognitive Theory (SCT) and Technological Personal Environmental (TPE) framework. This study was a quantitative one that employed survey method to empirically address its research questions and test the proposed hypotheses. Jordanian residents over the age of 18 who are familiar with Fintech were targeted, and convenience sampling was applied to get representative sample. Data was assembled from 323 respondents using an online questionnaire. Partial Least Squares Structure Equation Modeling (PLS-SEM) was applied to analyze the gathered data through SMART-PLS software. Contribution: This article adds to the existing literature on multiple stands, as it adds to literature related to Fintech adoption, as well as the interaction between consumer environment and their level of adoption. It also enriches the limited literature on the influence of COVID-19 to drive consumer usage of innovative services. Moreover, it supplements the scarce literature on Fintech adoption in the Jordanian settings. Findings: The main findings revealed the positive influence of both environmental drivers and trust as predictors of consumer intention to use Fintech services. It had also asserted the positive mediating effect of trust on the relationship amongst environmental drivers and consumer usage intent. Recommendations for Practitioners: By understanding the importance of consumer environment and trust on encouraging consumer to adopt Fintech services, governments, policy makers and practitioners can utilize this knowledge to adopt their offered services. They need to work on enhancing the technological infrastructure, as well as establishing general technological knowledge. They also need to highlight the role of Fintech service in fighting Covid-19, by adhering to the social distancing rules. Moreover, they need to guarantee the security and reliability of the developed services to increase their level of trust in the offered services. Recommendation for Researchers: This research has confirmed the positive influence of consumer environment represented by social influence, government support, technological readiness, and COVID-19 on their adoption of Fintech services. It has also established the mediating influence of consumer trust on the relation between environmental drivers and consumer intent to use Fintech services. This area is unexplored and needs more validation. Impact on Society: By understanding the factors affecting the Jordanian society in adopting Fintech services, this research provides set of recommendation to the Jordanian government and policy makers that can lead for more adoption of the developed Fintech services, which in turn would lead to better services provided to the society as well as increasing the financial inclusion level in the Jordanian society. Future Research: Future research can explore other environmental variables that were not included in the current research. Future research can also investigate the moderating effect of personal attributes such as consumer’s demographics, or more personal attributes such as self-efficacy, inherit innovativeness or risk aversion. It can also examine the moderating effect of financial literacy and/ or technological background.

Aim/Purpose: This paper identified and explored the factors influencing Bitcoin adoption and use in South Africa. Background: Since its introduction in 2008, the value and popularity of Bitcoin has risen exponentially. Captivating the eyes of the world, from regulators to economists, Bitcoin promises to revolutionize the digital currency space. Despite being over 10 years old, the concept of cryptocurrency is fairly new in South Africa, a developing country. South African’s interest in Bitcoin continues to grow with the country constantly ranking within the top 10 in online searches for “Bitcoin” and “cryptocurrency” on Google. The primary objective of this research was to identify adoption factors amongst South African citizens, an area that has not received much research focus in the past. In addition to this, the study aimed to identify how Bitcoin is primarily used in South Africa. Methodology: A survey-based questionnaire was utilized to obtain responses from adopters of Bitcoin in South Africa. The quantitative survey was completed by 204 respondents. Contribution: This research contributes to the body of knowledge relating to Bitcoin adoption, specifically from a developing country. Adoption factors are identified that can be utilized by businesses that intend to adopt cryptocurrency, to strategically prepare for the potential risks or opportunities brought about by Bitcoin and cryptocurrency in general. Findings: The findings of this study indicate that while perceived usefulness, perceived ease of use, subjective norms, and facilitating conditions positively influence intention to adopt Bitcoin, trust was the only construct that is statistically significant and hence is the greatest driver of adoption in South Africa. In terms of its primary use in South Africa, the study revealed that Bitcoin is used as a speculative instrument for short-term trading in South Africa followed by being used as a long-term investment in the crypto-asset class. No respondent indicated that they utilize Bitcoin as a payment method in South Africa. Recommendations for Practitioners: When developing crypto-based investment products, custodians of assets must ensure that a minimum-security protocol is followed to safeguard these assets. This will enhance the trust that potential investors and customers have in their systems and products. Recommendation for Researchers: This study focused on adoption factors for South African citizens. Future studies should be conducted to identify adoption factors by businesses in South Africa. Impact on Society: Bitcoin offers an alternate trading instrument and investment option, with the possibility of large gains over a relatively short period. Bitcoin also presents the possibility of cross-border transactions at a significantly lower cost compared to traditional cross-border transfers of funds. Future Research: Studies should be conducted to explore the factors influencing the adoption of altcoins to determine if the technological differences influence the adoption of one currency over the other. Research should also be conducted comparing the taxation of cryptocurrency in various countries around the world.