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December 21, 2005 – Last week a computer tape containing the names, addresses, account information, payment histories and Social Security Number of 2 million people disappeared while in transit. The tape, which contained data on all of LaSalle Bank’s mortgage customers, had been shipped via DHL to Experian by the bank in November. It then reappeared two days ago.

On October 17th a new bankruptcy law goes into effect across the United States. While Congress claimed that the purpose of the law was to crack down on deadbeats, it is apparent that little or no thought went into how the law treats victims of circumstances that are beyond their control. ACCESS has made note on a number of occasions that this group is largely made up of people who lose their jobs and those that lose their medical coverage and then get hit with catastrophic medical bills. But there is another category of people who may wind up getting hit just as hard unless they are truly prepared; homeowners who become victims of natural or manmade disasters.

January 17, 2006 – Three months ago today, the United States new bankruptcy law went into effect. The law was hailed by Congress and the banking industry as a way to crack down on “abuses” by dead-beats who ran up their bills with the intent of never paying them. But if the past three months are any indication, those so called dead-beats are few and far between.

Netanyahu vowed to start annexing all settlement blocs and the Jordan Valley in the occupied West Bank as of July 1

(Telecompaper) SoftBank is slated to receive the world's first Nvidia DGX B200 systems, which will serve as the building blocks for its new Nvidia DGX SuperPOD supercomputer...

(Telecompaper) SoftBank announced a series of collaborations with Nvidia to deploy what they claim is a new kind of telecommunications network that can run AI and...

1. Israel's West Bank settlers hope Trump's return will pave the way for major settlement expansion  ABC News
2. Ex-Trump aides warn Israeli ministers not to assume he’ll back annexation in 2nd term  The Times of Israel
3. This Is How Netanyahu Will Annex the West Bank  Haaretz
4. Eyeing Trump support, Israeli minister pushes for West Bank settlement annexation  CNN

SHARGE has introduced the ICEMAG 2 MagSafe power bank (soon available here). It includes a new active cooling system (a fan) and an aluminum backplate to support effective heat management and maintain charging performance. It supports 15W Qi2 wireless charging, aimed at delivering faster speeds compared to traditional MagSafe batteries and improving on the previous ICEMAG model. Visually, the ICEMAG 2 features a transparent design with RGB lighting for added aesthetic appeal. The power bank also includes a foldable kickstand, allowing for hands-free use and adjustable viewing angles. In terms of functionality, the ICEMAG 2 offers 30W two-way USB-C charging,… [Continue Reading]

Apple and art house film company A24 are in early development on a film about convicted crypto scammer Sam Bankman-Fried with a script written by Lena Dunham, Variety reported. The project will be based on the Michael Lewis book Going Infinite: The Rise and Fall of a New Tycoon that many critics found overly deferential to Bankman-Fried. 

The book describes the dizzying rise and equally vertiginous fall of Bankman-Fried and his FTX crypto exchange and Alameda hedge fund. However, it paints the FTX founder as a benevolent prodigy and glosses over the fact that he embezzled billions of dollars from customers and spent it on things like celebrity endorsements, political donations and high-end real-estate purchases.  

FTX was worth billions at its peak, but the exchange eventually collapsed and Bankman-Fried was convicted of fraud and sentenced to 25 years in prison. Most FTX customers will get their original investments back, plus interest, but that's based on a bitcoin price of around $17,000 — and the current price is nearly five times that.

Basing the film on Lewis's fawning hagiography isn't a promising start. Hopefully, Dunham or other writers will also draw on far better books (like Numbers Go Up by Zeke Faux) that show the dark, scammy side of crypto promoters like Bankman-Fried and the entire industry in general.

Apple Original Films and A24 have announced other collaborations recently, including the Spike Lee and Denzel Washington film High and Low. Other scripted FTX projects are also in the works, including a limited Amazon Prime series from the Russo brothers based on the 2022 FTX collapse. 

AFR talks with Dr. Maria Khoury about what it is like to live as a Christian within the barricaded walls of the West Bank of Israel. Visit the web site of her parish - St. George Greek Orthodox Church of Taybeh.

More sites arriving in Suffolk soon

Kenyon Kirkpatrick gives advent calendars to the food bank his family relied on when he was a child.

Interest rates were cut to 4.75% but the Bank expects inflation to creep higher after last week's Budget.

1. Food bank usage in Toronto is higher than its ever been, says new report  CP24
2. More than 1 in 10 Torontonians now rely on food banks, 2024 saw highest number of visits ever recorded: report  NOW Toronto
3. 4 in 5 newcomers to Canada relying on food banks, Toronto report finds  National Post
4. One in 10 Toronto residents now relies on food banks: Report  Toronto Sun
5. Food bank use in Toronto breaks records — again  CBC.ca

Aiming at the problems of high error rate, low evaluation accuracy and low investment return in traditional methods, a random forest-based e-bank investment risk evaluation method is proposed. First, establish a scientific e-bank investment risk evaluation index system. Then, G1-COWA combined weighting method is used to calculate the weights of each index. Finally, the e-bank investment risk evaluation index data is taken as the input vector, and the e-bank investment risk evaluation result is taken as the output vector. The random forest model is established and the result of e-banking investment risk evaluation is obtained. The experimental results show that the maximum relative error rate of this method is 4.32%, the evaluation accuracy range is 94.5~98.1%, and the maximum return rate of e-banking investment is 8.32%. It shows that this method can accurately evaluate the investment risk of electronic banking.

The emergence of digital technology and the increasing prevalence of smartphones have promoted innovations in payment options available in finance and consumption markets. Banks providing mobile payment must ensure the information security. Inadequate security control leads to information leakage, which severely affects user rights and service providers' reputations. This study uses control objectives for Information and Related Technologies 4.1 as the mobile payment security control framework to examine the emergent field of mobile payment. A literature review is performed to compile studies on the safety risk, regulations, and operations of mobile payments. In addition, the Delphi questionnaire is distributed among experts to determine the practical perspectives, supplement research gaps in the literature, and revise the prototype framework. According to the experts' opinions, 59 control objectives from the four domains of COBIT 4.1 are selected. The plan and organise, acquire and implement, deliver and support, and monitor and evaluate four domains comprised 2, 5, 10, and 2 control objectives that had mean importance scores of > 4.50. Thus, these are considered the most important objectives by the experts, respectively. The results of this study can serve as a reference for banks to construct secure frameworks in mobile payment services.

The banking sector has experienced a substantial technological shift that has opened up new and better opportunities for its customers. Based on their technological expenditures, the study assessed the two biggest public Indian banks and the two biggest private Indian banks. The most crucial statistical techniques used to demonstrate the aims are realistic are bivariate correlations and ordinary least squares. This work aims to establish a connection between research and a technology index that serves as a proxy for operational efficiency. The results show that for both public and private banks, the technology index positively influences operational efficiency metrics like IT costs, marketing costs, and compensation costs. This suggests that when the technology index increases, so do IT, marketing, and compensation costs, even though it has been shown that the technology index favourably improves operational efficiency measures like depreciation and printing. This means that the cost to banks is high despite greater investment in technology for these activities.

This study aims to examine the intellectual capital and its effect on the financial performance of Ethiopian private commercial banks using the pulic model. Quantitative panel data from audited annual reports of Ethiopian private commercial banks from 2011 to 2019 are collected. The robust fixed effect regression model has been adopted to investigate the effect of IC and the financial performance measures of the banks. The study results show a positive relationship between the value added intellectual coefficient (VAIC) and the financial performance of private commercial banks in Ethiopia. The study also revealed that the components of VAIC (i.e., human capital efficiency, capital employed efficiency, and structural capital efficiency) have a positive and significant effect on the financial performance of banks measured by return on asset and return on equity over the study periods. Practically, the results of the study could be useful for shareholders to consider IC as a strategic resource and hence emphasise these intangibles, and to the bank managers to benchmark themselves against the best competitors based on the level of efficiency rankings.

The purpose of this study is to explore the effect of electronic service quality subdimensions upon the behavioural and praising intentions of users engaged in internet banking. Using the survey method, 203 responses were collected from users of online banking in Turkey. A partial least square structural equation model was constructed to test both the reliability and validity of the measurement, as well as the structural model. The results indicated that emotional benefits, ease of use, and control subdimensions, which are influenced through graphical quality and layout clarity, have a significant and positive impact upon the behavioural and praising intentions of users of online banking. The study did not find support for the direct effect of layout clarity upon behavioural and praising intentions.

Quality of work life (QWL) is a generic term that includes an employee's feeling about various aspects of their work including the compensation and rewards, job security, interpersonal relations and the intrinsic meaning of being satisfied in their workplace. This research paper was documented with an intention to understand the influence of the QWL on the productivity of employees working in the banking arena. The study examined the most clout able factors that contributed to the quality of work-life of employees and its correlation on their productivity. A multi-stage sampling method was used to draw a sizeable sample from ten major banks situated in the Karnataka state of India. A total of 756 personnel spread across various branches belonging to rural, semi-urban and urban were covered. The study was validated further by testing various hypotheses drawn based on a review of the literature. The study empirically identified eight major attributes that influence the QWL of bankers. The relationship between QWL and productivity was investigated with notable results using SEM approach.

Monetary policy is essential for sustainable growth where effective monetary policies can improve investment, employment, and consumption by fostering a balanced and resilient economy. However, sustainable development is vital for harmonising economic growth, social equity, and environmental preservation. A number of factors have been discussed in the literature that impact sustainable development. However, this study explicitly tries to investigate the nexus among the monetary policy (MP) toward sustainable development (SD) with the mediation of e-banking services (e-BS) and moderation of financial risk management (FRM) from China drawing on stakeholder theory. It discovered a significant connection between monetary policy and sustainable development along with sub-dimensions of SD. Likewise, this study confirmed a positive mediating influence of e-BS between monetary policy and sustainable development. Finally, the study additionally ensured a positive moderation of financial risk between monetary policy and sustainable development, respectively. These outcomes bestow several interesting insights into monetary policy, e-banking services, financial risk management, and sustainable development.

Aim/Purpose: The purpose of this study is to investigate the interrelationship among the quality measures of information system success, including system quality, information, quality, and service quality, that eventually influence accounting information systems effectiveness. Background: It is generally believed that investment in an information system offers opportunities to organizations for business process efficiency and effectiveness. Despite huge investments in accounting information systems, banks in Nigeria have not realized the full potential benefits of using these systems because of persistent failures. Few studies have been conducted to address the problem. Methodology: A survey research design was used to collect data, and a total of 287 questionnaires were retrieved from respondents in the Nigerian banking sector. Contribution: This study contributes to the understanding of the most important antecedent factors of the quality measures, the interrelationship among the quality measures, and the influence of these measures on the accounting information systems effectiveness. Findings: The result of the study revealed that security, ease of use, and efficiency are key features of system quality, while the information quality dimension includes accuracy, timeliness, and completeness. The result of the study further revealed that information quality and system quality have significant influences on accounting information systems effectiveness. Recommendations for Practitioners: This study provides practitioners with important measures for evaluation of AIS effectiveness in the context of Nigerian banks. Recommendation for Researchers: Future researchers may build on the findings of current study to conduct fur-ther research in the area of AIS effectiveness in different contexts. Future Research: This study examines only three quality measures of Delone and Mclean model and antecedents of information and system quality measures, neglecting contingency factor. Therefore, future study should include other factors to the AIS effectiveness model to help in developing more specific theory in AIS domain.

Aim/Purpose: This work aims to understand why a disparity between the popularity of smart phones and the limited adoption of m-banking exists. Accordingly, this study investigates factors that affect a person’s decision to adopt m-banking services. Such an investigation seeks to determine if and to what extent customers’ mobile phone experience as well as their awareness of m-banking services influence their intention to use such services? Background: This study developed a conceptual model to determine the influence that users’ mobile phone experience as well as users’ awareness of m-banking services had on users’ behavioral intention to use m-banking in Saudi Arabia. Methodology: The quantitative method used to collect data was a survey questionnaire tech-nique. A questionnaire with non-structured (close-ended) questions was formulated. A random sample, targeting banking customers in Saudi Arabia, was selected. This study collected data using a cross-sectional survey. Of those surveyed, 389 provided valid responses eligible for data analysis. SPSS v.22 was used to analyze the data. Contribution: This study produced helpful results and a new m-banking conceptual model. The developed conceptual model focused integrally on users’ awareness and experience as antecedents of m-banking adoption and highlighted the im-portance of differentiating between measuring the users’ characteristics in adopting e-banking in general and m-banking services in particular. In addition, this type of model has the ability to synthesize new control variables as well as to study technology acceptance in developing countries. This study, based on an extended UTAUT model, set out to discover what factors might affect customers’ intentions to use m-banking in Saudi Arabia. Findings: The results show that service awareness has a direct effect on performance and effort expectancy, but not on perceived risk. Moreover, mobile phone experience fails to impact the relationships in the same hypothesized direction. As anticipated, performance expectancy, effort expectancy, and perceived risk have direct and significant effects on behavioral intentions to use m-banking. However, customer awareness fails to impact the relationships of performance expectancy, effort expectancy, and perceived risk on behavioral intentions to use m-banking. Recommendations for Practitioners: Banks should target customers by distributing useful information and applying measures to increase acceptance. Banks need to introduce something imaginative to convince bank customers to abandon existing service channels and adopt m-banking services. Banks should make m-banking services the easiest service for conducting bank transactions and/or help customers conduct transactions that they cannot do any other way. Recommendation for Researchers: Other factors, such as trust, culture, and/or credibility should be investigated along with user’s awareness and experience factors in m-banking services. There is a need to focus on a specific type of m-banking. Thus, it may be fruitful to study the adoption of different systems of m-banking services. Impact on Society: This study suggests that m-banking services should be designed and built based on a deep understanding of customers’ needs using extensive testing to assure that applications and sites function well in a mobile setting. Future Research: Future researchers should apply the conceptual model developed in this study in different settings, different countries, and to different technologies.

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: The wide use of online banking and technological advancement has attracted the interest of malicious and criminal users with a more sophisticated form of attacks. Background: Therefore, banks need to adapt their security systems to effectively stem threats posed by imposters and hackers and to also provide higher security standards that assure customers of a secured environment to perform their financial transactions. Methodology : The use of authentication techniques that include the mutual secure socket layer authentication embedded with some specific features. Contribution: An approach was made through this paper towards providing a more reliable and complete solution for implementing multi-level user authentication in a banking environment. Findings: The use of soft token as the final stage of authentication provides ease of management with no additional hardware requirement. Recommendations for Practitioners : This work is an approach made towards providing a more reliable and complete solution for implementing multi-level user authentication in a banking environment to stem cybercrime. Recommendation for Researchers: With this approach, a reliable system of authentication is being suggested to stem the growing rate of hacking activities in the information technology sector. Impact on Society :This work if adopted will give the entire populace confidence in carrying out online banking without fear of any compromise. Future Research: This work can be adopted to model a real-life scenario.

Aim/Purpose: This study aimed to examine the effect of marketing knowledge management (MKM) on bank performance via the mediating role of the Fintech innovation in Jordanian commercial banks. Background: An extensive number of studies found a significant relationship between Marketing knowledge management and bank performance (e.g., Akroush & Al-Mohammad, 2010; Hou & Chien 2010; Rezaee & Jafari, 2015; Veismoradi et al., 2013). However, there remains a lack of clarity regarding the relationship between marketing knowledge management (MKM) and bank performance (BP). Furthermore, the linkage between MKM and BP is not straightforward but, instead, includes a more complicated relationship. Therefore, it is argued that managing marketing knowledge management assets and capabilities can enhance performance via the role of financial innovation as a mediating factor on commercial banks; to date, however, there is no empirical evidence. Methodology: Based on a literature review, knowledge-based theory, and financial innovation theory, an integrated conceptual framework has been developed to guide the study. A quantitative approach was used, and the data was collected from 336 managers and employees in all 13 Jordanian commercial banks using online and in hand instruments. Structural equation modeling (SEM) was used to analyze and verify the study variables. Contribution: This article contributes to theory by filling a gap in the literature regarding the role of marketing knowledge management assets and capabilities in commercial banks operating in a developing country like Jordan. It empirically examined and validated the role of Fintech innovation as mediators between marketing knowledge management and bank performance Findings: The main findings revealed that marketing knowledge management had a significant favorable influence on bank performance. Fintech innovation acted as partial mediators in this relationship. Recommendations for Practitioners: Commercial banks should be fully aware of the importance of knowledge management practices to enhance their financial innovation and bank performance. They should also consider promoting a culture of practicing knowledge management processes among their managers and employees by motivating and training to promote innovations. Recommendation for Researchers: The result endorsed Fintech innovation’s mediating effect on the relationship between the independent variable, marketing knowledge management (assets and capabilities), and the dependent variable bank performance, which was not addressed before; thus, it needs further validation. Future Research: The current designed research model can be applied and assessed further in other sectors, including banking and industrial sectors across developed and developing countries. It would also be of interest to introduce other variables in the study model that can act as consequences of MKM capabilities, such as financial and non-financial performance measures

Aim/Purpose: The purpose of this study is to investigate the mechanism of the front/back-office structure affecting new service development (NSD) performance and examine the role of knowledge transfer in the relationship between front/back-office structure and NSD. Background: The separation of front and back-office has become the prevailing trend of the organizational transformation of modern service enterprises in the digital era. Yet, the influence of front and back-office separation dealing with new service development has not been widely researched. Methodology: Building on the internal social capital perspective, a multivariate regression analysis was conducted to investigate the impact of front/back-office structure on the NSD performance through knowledge transfer as an intermediate variable. The data was collected through a survey questionnaire from 198 project-level officers in the commercial banking industry of China. Contribution: This study advances the understanding of front/back-office structure’s influence mechanism on new service development activity. It reveals that knowledge transfer plays a critical role in bridging the impact of front and back-office separation to NSD performance under the trend of digitalization of service organizations. Findings: This study verified the positive effects of front/back-office social capital on NSD performance. Moreover, knowledge transfer predicted the variation in NSD performance and fully mediated the effect of front/back-office social capital on NSD performance. Recommendations for Practitioners: Service organizations should optimize knowledge transfer by promoting the social capital between front and back-office to overcome the negative effect organizational separation brings to NSD. Service and other organizations could explore developing an internal social network management platform, by which the internal social network could be visualized and dynamically managed. Recommendation for Researchers: The introduction of information and communications technology not only divides the organization into front and back-office, but also reduces the face-to-face customer contact. The impacts of new forms of customer contact to new service development and knowledge transfer between customer and service organizations call for further research. Along with the digital servitization, some manufacturing organizations also separate front and back-offices. The current model can be applied and assessed further in manufacturing and other service sectors. Impact on Society: The conclusion of this study guides us to pay attention to the construction of social capital inside organizations with front/back-office structure and implicates introducing and developing sociotechnical theory in front/back-office issue undergoing technological revolution. Future Research: As this study is based on the retail banking industry, similar studies are called upon in other service sectors to identify differences and draw more general conclusions. In addition, as the front and back-offices are being replaced increasingly by information technology such as artificial intelligence (AI), it is necessary to advance the research on front/back-office research with a new theoretical perspective, such as sociotechnical theory.

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: The aim of this research paper is to suggest a comprehensive model that incorporates the technology acceptance model with the task-technology fit model, information quality, security, trust, and managerial support to investigate the intended usage of big data analytics (BDA) in banks and insurance companies. Background: The emergence of the concept of “big data,” prompted by the widespread use of connected devices and social media, has been pointed out by many professionals and financial institutions in particular, which makes it necessary to assess the determinants that have an impact on behavioral intention to use big data analytics in banks and insurance companies. Methodology: The integrated model was empirically assessed using self-administered questionnaires from 181 prospective big data analytics users in Moroccan banks and insurance firms and examined using partial least square (PLS) structural equation modeling. The results cover sample characteristics, an analysis of the validity and reliability of measurement models’ variables, an evaluation of the proposed hypotheses, and a discussion of the findings. Contribution: The paper makes a noteworthy contribution to the BDA adoption literature within the finance sector. It stands out by ingeniously amalgamating the Technology Acceptance Model (TAM) with Task-Technology Fit (TTF) while underscoring the critical significance of information quality, trust, and managerial support, due to their profound relevance and importance in the finance domain. Thus showing BDA has potential applications beyond the finance sector. Findings: The findings showed that TTF and trust’s impact on the intention to use is considerable. Information quality positively impacted perceived usefulness and ease of use, which in turn affected the intention to use. Moreover, managerial support moderates the correlation between perceived usefulness and the intention to use, whereas security did not affect the intention to use and managerial support did not moderate the influence of perceived ease of use. Recommendations for Practitioners: The results suggest that financial institutions can improve their adoption decisions for big data analytics (BDA) by understanding how users perceive it. Users are predisposed to use BDA if they presume it fits well with their tasks and is easy to use. The research also emphasizes the importance of relevant information quality, managerial support, and collaboration across departments to fully leverage the potential of BDA. Recommendation for Researchers: Further study may be done on other business sectors to confirm its generalizability and the same research design can be employed to assess BDA adoption in organizations that are in the advanced stage of big data utilization. Impact on Society: The study’s findings can enable stakeholders of financial institutions that are at the primary stage of big data exploitation to understand how users perceive BDA technologies and the way their perception can influence their intention toward their use. Future Research: Future research is expected to conduct a comparison of the moderating effect of managerial support on users with technical expertise versus those without; in addition, international studies across developed countries are required to build a solid understanding of users’ perceptions towards BDA.

Aim/Purpose: This study utilized a comprehensive framework to investigate the adoption of Business Analytics (BA) and its effects on performance in commercial banks in Jordan. The framework integrated the Technological-Organizational-Environmental (TOE) model, the Diffusion of Innovation (DOI) theory, and the Resource-Based View (RBV). Background: The recent trend of utilizing data for business operations and decision-making has positively impacted organizations. Business analytics (BA) is a leading technique that generates valuable insights from data. It has gained considerable attention from scholars and practitioners across various industries. However, guidance is lacking for organizations to implement BA effectively specific to their business contexts. This research aims to evaluate factors influencing BA adoption by Jordanian commercial banks and examine how its implementation impacts bank performance. The goal is to provide needed empirical evidence surrounding BA adoption and outcomes in the Jordanian banking sector. Methodology: The study gathered empirical data by conducting an online questionnaire survey with senior and middle managers from 13 commercial banks in Jordan. The participants were purposefully selected, and the questionnaire was designed based on relevant and well-established literature. A total of 307 valid questionnaires were collected and considered for data analysis. Contribution: This study makes a dual contribution to the BA domain. Firstly, it introduces a research model that comprehensively examines the factors that influence the adoption of BA. The proposed model integrates the TOE framework, DOI theory, and RBV theory. Combining these frameworks allows for a comprehensive examination of BA adoption in the banking industry. By analyzing the technological, organizational, and environmental factors through the TOE framework, understanding the diffusion process through the DOI theory, and assessing the role of resources and capabilities through the RBV theory, researchers and practitioners can better understand the complex dynamics involved. This integrated approach enables a more nuanced assessment of the factors that shape BA adoption and its subsequent impact on business performance within the banking industry. Secondly, it uncovers the effects of BA adoption on business performance. These noteworthy findings stem from a rigorous analysis of primary data collected from commercial banks in Jordan. By presenting a holistic model and delving into the implications for business performance, this research offers valuable insights to researchers and practitioners alike in the field of BA. Findings: The findings revealed that various technological (data quality, complexity, compatibility, relative advantage), organizational (top management support, organizational readiness), and environmental (external support) factors are crucial in shaping the decision to adopt BA. Furthermore, the study findings demonstrated a positive relationship between BA adoption and performance outcomes in Jordanian commercial banks. Recommendations for Practitioners: The findings suggest that Jordanian commercial banks should enforce data quality practices, provide clear standards, invest in data quality tools and technologies, and conduct regular data audits. Top management support is crucial for fostering a data-driven decision-making culture. Organizational readiness involves having the necessary resources and skilled personnel, as well as promoting continuous learning and improvement. Highlighting the benefits of BA helps overcome resistance to technological innovation and encourages adoption by demonstrating improved decision-making processes and operational efficiency. Furthermore, external support is crucial for banks to adopt Business Analytics (BA). Banks should partner with experienced vendors to gain expertise and incorporate best practices. Vendors also provide training and technical support to overcome technological barriers. Compatibility is essential for optimal performance, requiring managers to modify workflows and IT infrastructure. Complexity, including data, organizational, and technical complexities, is a major obstacle to BA adoption. Banks should take a holistic approach, focusing on people, processes, and technology, and prioritize data quality and governance. Building a skilled team, fostering a data-driven culture, and investing in technology and infrastructure are essential. Recommendation for Researchers: The integration of the TOE framework, the DOI theory, and the RBV theory can prove to be a powerful approach for comprehensively analyzing the various factors that influence BA adoption within the dynamic banking industry. Furthermore, this combined framework enables us to gain deeper insights into the subsequent impact of BA adoption on overall business performance. Impact on Society: Examining the factors influencing BA adoption in the banking industry and its subsequent impact on business performance can have wide-ranging societal implications. It can promote data-driven decision-making, enhance customer experiences, strengthen fraud detection, foster financial inclusion, contribute to economic growth, and trigger discussions on ethical considerations. Future Research: To further advance future research, there are several avenues to consider. One option is to broaden the scope by including a larger sample size, allowing for a more comprehensive analysis. Another possibility is to investigate the impact of BA adoption on various performance indicators beyond the ones already examined. Additionally, incorporating qualitative research methods would provide a more holistic understanding of the organizational dynamics and challenges associated with the adoption of BA in Jordanian commercial banks.

Aim/Purpose: Previous research has generally concentrated on identifying the variables that most significantly influence customer churn or has used customer segmentation to identify a subset of potential consumers, excluding its effects on forecast accuracy. Consequently, there are two primary research goals in this work. The initial goal was to examine the impact of customer segmentation on the accuracy of customer churn prediction in the banking sector using machine learning models. The second objective is to experiment, contrast, and assess which machine learning approaches are most effective in predicting customer churn. Background: This paper reviews the theoretical basis of customer churn, and customer segmentation, and suggests using supervised machine-learning techniques for customer attrition prediction. Methodology: In this study, we use different machine learning models such as k-means clustering to segment customers, k-nearest neighbors, logistic regression, decision tree, random forest, and support vector machine to apply to the dataset to predict customer churn. Contribution: The results demonstrate that the dataset performs well with the random forest model, with an accuracy of about 97%, and that, following customer segmentation, the mean accuracy of each model performed well, with logistic regression having the lowest accuracy (87.27%) and random forest having the best (97.25%). Findings: Customer segmentation does not have much impact on the precision of predictions. It is dependent on the dataset and the models we choose. Recommendations for Practitioners: The practitioners can apply the proposed solutions to build a predictive system or apply them in other fields such as education, tourism, marketing, and human resources. Recommendation for Researchers: The research paradigm is also applicable in other areas such as artificial intelligence, machine learning, and churn prediction. Impact on Society: Customer churn will cause the value flowing from customers to enterprises to decrease. If customer churn continues to occur, the enterprise will gradually lose its competitive advantage. Future Research: Build a real-time or near real-time application to provide close information to make good decisions. Furthermore, handle the imbalanced data using new techniques.

Aim/Purpose: The research aims to investigate the factors that influence the continuous use of mobile banking applications to complete banking monetary transactions. Background: Despite a significant increase in the use of mobile banking applications, particularly during the COVID-19 pandemic, new evidence indicates that the use rate of mobile banking applications for operating banking monetary transactions has declined. Methodology: The study proposed an integrated model based mainly on the process virtualization theory (PVT) with other novel factors such as mobile banking application anthropomorphism and virtual process failure risk. The study model was empirically validated using structural equation modeling analysis on quantitative data from 484 mobile banking application users from Jordan. Contribution: The study focuses on continuing use or post-adoption behavior rather than pre-adoption behavior. This is important since the maximum and long-term viability, as well as the financial investment in mobile banking applications, depend on regular usage rather than first-time use or initial experience. Findings: The results indicate that process virtualizable and anthropomorphism have a strong positive impact on bank customers’ decisions to continue using mobile banking applications to complete banking monetary transactions. Meanwhile, the negative impact of virtualization process failure risk on continuous use has been discovered. The found factors explain 67.5% of the variance in continuous use. Recommendations for Practitioners: The study identified novel, significant factors that affect bank customers’ decisions to use mobile banking applications frequently, and these factors should be examined, matched, satisfied, or addressed when redesigning or upgrading mobile applications. Banks should provide users with clear directions, processes, or tutorials on how to complete monetary transactions effectively. They should also embrace Artificial Intelligence (AI) technology to improve their applications and products with anthropomorphic features like speech synthesizers, Chatbots, and AI-powered virtual bank assistants. This is expected to help bank customers conduct various banking services conveniently and securely, just as if interacting with real people. The study further recommends that banks create and publish clear norms and procedures, as well as promote tolerance and protect consumers’ rights when the process fails or mistakes occur. Recommendation for Researchers: The study provides measurement items that were specifically built for the context of mobile banking applications based on PVT notions. Researchers are invited to reuse, test, and modify existing measurement items, as well as submit new ones if necessary. The study model does not consider psychological aspects like trust and satisfaction, which would provide additional insight into factors affecting continuing use. Researchers could potentially take a different approach by focusing on user resistance and non-adoption. Impact on Society: Financial inclusion is problematic, particularly in underdeveloped nations. According to financial inclusion research, Jordanians rarely utilize mobile banking apps. Continuous usage of mobile banking applications will be extremely beneficial in closing the financial inclusion gap, particularly among women. Furthermore, it could help the country’s efforts to transition to a digital society. Future Research: The majority of study participants are from urban areas. Future studies should focus on consumers who live in rural areas. It was also suggested that the elderly be targeted because they may have different views/perspectives on the continued use of mobile banking applications.

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If you’ve sent kids to college, you’ve probably heard of FAFSA (Free Application for Federal Student Aid). FAFSA offers federal government aid via loans, grants and work-study options. It determines how much financial aid your children will get for college based on your family’s income and assets. As a parent, that includes your income, investment […]

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