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 paper aims to analyze how artisans in Ghana are incorporating mobile commerce into their everyday business and how perceived usefulness, perceived ease of use, subjective norms, age, gender, expertise, and educational level affected the adoption and usage of m-commerce. Background: This study integrates well-established theoretical models to create a new conceptual model that ensures a comprehensive mobile commerce adoption survey. Methodology: A cross-sectional survey was conducted to measure the constructs and their relations to test the research model. Contribution: The study’s findings confirmed previous results and produced a new conceptual model for mobile commerce adoption and usage. Findings: Except for gender, perceived ease of use, and subjective norms that did not have specific effects on mobile commerce adoption, age, educational level, perceived usefulness, expertise, attitude, and behavioral intention showed significant effects. Recommendations for Practitioners: First of all, mobile commerce service providers should strategically pay critical attention to customer-centered factors that positively affect the adoption of mobile commerce innovations than focusing exclusively on technology-related issues. Mobile service providers can attract more users if they carefully consider promoting elements like perceived usefulness and perceived ease of use which directly or indirectly affect the individuals’ decision to adopt information technology from consumer perspectives. Second, mobile commerce service providers should strategically focus more on younger individuals since, per the research findings, they are more likely to adopt mobile commerce innovations than the older folks in Ghana. Third, service providers should also devise strategies to retain actual users of m-commerce by promoting elements like behavioral intentions and attitude, which according to the research findings, have a higher predictive power on actual usage of m-commerce. Recommendation for Researchers: The conceptual model developed can be employed by researchers worldwide to analyze technology acceptance research. Impact on Society: The study’s findings suggested that mobile commerce adoption could promote a cashless society that is convenient for making buying things quicker and easier. Future Research: The research sample size could be increased, and also the study could all sixteen regions in Ghana or any other country for a broader representation.

Aim/Purpose: This paper illustrates the potential of health recommender systems (HRS) to support and enhance maternal care. The study aims to explore the recent implementations of maternal HRS and to discover the challenges of the implementations. Background: The sustainable development goals (SDG) aim to reduce maternal mortality to less than 70 per 100,000 live births by 2030. However, progress is uneven between countries, with primary causes being severe bleeding, infections, high blood pressure, and failed abortions. Regular antenatal care (ANC) visits are crucial for detecting and managing complications, such as hypertensive illnesses, anemia, and gestational diabetes mellitus. Utilizing maternal evaluations during ANC visits can help identify and treat problems early, lowering morbidity and death rates for both mothers and fetuses. Technology-enabled daily health recording can help monitor pregnancy by providing actionable guides to patients and health workers based on patient status. Methodology: A systematic literature review was conducted using Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) to identify maternal HRS reported in studies between November 2022 and December 2022. Information was subsequently extracted to understand the potential benefits of maternal HRS. Titles and abstracts of 1,851 studies were screened for the full-text screening, in which two reviewers independently selected articles and systematically extracted data using a predefined extraction form. Contribution: This study adds to the explorations of the challenges of implementing HRS for maternal care. This study also emphasizes the significance of explainability, data-driven methodologies, automation, and the necessity for integration and interoperability in the creation and deployment of health recommendation systems for maternity care. Findings: The majority of maternal HRS use a knowledge-based (constraint-based) ap-proach with more than half of the studies generating recommendations based on rules defined by experts or available guidelines. We also derived four types of interfaces that can be used for delivering recommendations. Moreover, patient health records as data sources can hold data from patients’ or health workers’ input or directly from the measurement devices. Finally, the number of studies in the pilot or demonstration stage is twice that in the sustained stages. We also discovered crucial challenges where the explainability of the methods was needed to ensure trustworthiness, comprehensibility, and effective enhancement of the decision-making process. Automatic data collection was also required to avoid complexity and reduce workload. Other obstacles were also identified where data integration between systems should be established and decent connectivity must be provided so that complete services can be admin-istered. Lastly, sustainable operations would depend on the availability of standards for integration and interoperability as well as sufficient financial sup-port. Recommendations for Practitioners: Developers of maternal HRS should consider including the system in the main healthcare system, providing connectivity, and automation to deliver better service and prevent maternal risks. Regulations should also be established to support the scale-up. Recommendation for Researchers: Further research is needed to do a thorough comparison of the recommendation techniques used in maternal HRS. Researchers are also recommended to explore more on this topic by adding more research questions. Impact on Society: This study highlights the lack of sustainability studies, the potential for scaling up, and the necessity for a comprehensive strategy to integrate the maternal recommender system into the larger maternal healthcare system. Researchers can enhance and improve health recommendation systems for maternity care by focusing on these areas, which will ultimately increase their efficacy and facilitate clinical practice integration. Future Research: Additional research can concentrate on creating and assessing methods to increase the explainability and interpretability of data-driven health recommender systems and integrating automatic measurement into the traditional health recommender system to enhance the anticipated outcome of antenatal care. Comparative research can also be done to assess how well various models or algorithms utilized in these systems function. Future research can also examine creative solutions to address resource, infrastructure, and technological constraints, such as connectivity and automation to help address the shortage of medical personnel in remote areas, as well as define tactics for long-term sustainability and integration into current healthcare systems.

Aim/Purpose: Acquisitions play a pivotal role in the growth strategy of a firm. Extensive resources and time are dedicated by a firm toward the identification of prospective acquisition candidates. The Indian manufacturing sector is currently experiencing significant growth, organically and inorganically, through acquisitions. The principal aim of this study is to explore models that can predict acquisitions and compare their performance in the Indian manufacturing sector. Background: Mergers and Acquisitions (M&A) have been integral to a firm’s growth strategy. Over the years, academic research has investigated multiple models for predicting acquisitions. In the context of the Indian manufacturing industry, the research is limited to prediction models. This research paper explores three models, namely Logistic Regression, Decision Tree, and Multilayer Perceptron, to predict acquisitions. Methodology: The methodology includes defining the accounting variables to be used in the model which have been selected based on strong theoretical foundations. The Indian manufacturing industry was selected as the focus, specifically, data for firms listed in the Bombay Stock Exchange (BSE) between 2010 and 2022 from the Prowess database. There were multiple techniques, such as data transformation and data scrubbing, that were used to mitigate bias and enhance the data reliability. The dataset was split into 70% training and 30% test data. The performance of the three models was compared using standard metrics. Contribution: The research contributes to the existing body of knowledge in multiple dimensions. First, a prediction model customized to the Indian manufacturing sector has been developed. Second, there are accounting variables identified specific to the Indian manufacturing sector. Third, the paper contributes to prediction modeling in the Indian manufacturing sector where there is limited research. Findings: The study found significant supporting evidence for four of the proposed hypotheses indicating that accounting variables can be used to predict acquisitions. It has been ascertained that statistically significant variables influence acquisition likelihood: Quick Ratio, Equity Turnover, Pretax Margin, and Total Sales. These variables are intrinsically linked with the theories of liquidity, growth-resource mismatch, profitability, and firm size. Furthermore, comparing performance metrics reveals that the Decision Tree model exhibits the highest accuracy rate of 62.3%, specificity rate of 66.4%, and the lowest false positive ratio of 33.6%. In contrast, the Multilayer Perceptron model exhibits the highest precision rate of 61.4% and recall rate of 64.3%. Recommendations for Practitioners: The study findings can help practitioners build custom prediction models for their firms. The model can be developed as a live reference model, which is continually updated based on a firm’s results. In addition, there is an opportunity for industry practitioners to establish a benchmark score that provides a reference for acquisitions. Recommendation for Researchers: Researchers can expand the scope of research by including additional classification modeling techniques. The data quality can be enhanced by cross-validation with other databases. Textual commentary about the target firms, including management and analyst quotes, provides additional insight that can enhance the predictive power of the models. Impact on Society: The research provides insights into leveraging emerging technologies to predict acquisitions. The theoretical basis and modeling attributes provide a foundation that can be further expanded to suit specific industries and firms. Future Research: There are opportunities to expand the scope of research in various dimensions by comparing acquisition prediction models across industries and cross-border and domestic acquisitions. Additionally, it is plausible to explore further research by incorporating non-financial data, such as management commentary, to augment the acquisition prediction model.

Aim/Purpose: In this paper, we present an RFM model-based telecom customer churn system for better predicting and analyzing customer churn. Background: In the highly competitive telecom industry, customer churn is an important research topic in customer relationship management (CRM) for telecom companies that want to improve customer retention. Many researchers focus on a telecom customer churn analysis system to find out the customer churn factors for improving prediction accuracy. Methodology: The telecom customer churn analysis system consists of three main parts: customer segmentation, churn prediction, and churn factor identification. To segment the original dataset, we use the RFM model and K-means algorithm with an elbow method. We then use RFM-based feature construction for customer churn prediction, and the XGBoost algorithm with SHAP method to obtain a feature importance ranking. We chose an open-source customer churn dataset that contains 7,043 instances and 21 features. Contribution: We present a novel system for churn analysis in telecom companies, which encompasses customer churn prediction, customer segmentation, and churn factor analysis to enhance business strategies and services. In this system, we leverage customer segmentation techniques for feature construction, which enables the new features to improve the model performance significantly. Our experiments demonstrate that the proposed system outperforms current advanced customer churn prediction methods in the same dataset, with a higher prediction accuracy. The results further demonstrate that this churn analysis system can help telecom companies mine customer value from the features in a dataset, identify the primary factors contributing to customer churn, and propose suitable solution strategies. Findings: Simulation results show that the K-means algorithm gets better results when the original dataset is divided into four groups, so the K value is selected as 4. The XGBoost algorithm achieves 79.3% and 81.05% accuracy on the original dataset and new data with RFM, respectively. Additionally, each cluster has a unique feature importance ranking, allowing for specialized strategies to be provided to each cluster. Overall, our system can help telecom companies implement effective CRM and marketing strategies to reduce customer churn. Recommendations for Practitioners: More accurate churn prediction reduces misjudgment of customer churn. The acquisition of customer churn factors makes the company more convenient to analyze the reasons for churn and formulate relevant conservation strategies. Recommendation for Researchers: The research achieves 81.05% accuracy for customer churn prediction with the Xgboost and RFM algorithms. We believe that more enhancements algorithms can be attempted for data preprocessing for better prediction. Impact on Society: This study proposes a more accurate and competitive customer churn system to help telecom companies conserve the local markets and reduce capital outflows. Future Research: The research is also applicable to other fields, such as education, banking, and so forth. We will make more new attempts based on this system.

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 aims to devise a personalized solution for online healthcare platforms that can alleviate problems arising from information overload and data sparsity by providing personalized healthcare services to patients. The primary focus of this paper is to develop an effective medicine recommendation approach for recommending suitable medications to patients based on their specific medical conditions. Background: With a growing number of people becoming more conscious about their health, there has been a notable increase in the use of online healthcare platforms and e-services as a means of diagnosis. As the internet continues to evolve, these platforms and e-services are expected to play an even more significant role in the future of healthcare. For instance, WebMD and similar platforms offer valuable tools and information to help manage patients’ health, such as searching for medicines based on their medical conditions. Nonetheless, patients often find it arduous and time-consuming to sort through all the available medications to find the ones that match their specific medical conditions. To address this problem, personalized recommender systems have emerged as a practical solution for mitigating the burden of information overload and data sparsity-related issues that are frequently encountered on online healthcare platforms. Methodology: The study utilized a dataset of MC ratings obtained from WebMD, a popular healthcare website. Patients on this website can rate medications based on three criteria, including medication effectiveness, ease of use, and satisfaction, using a scale of 1 to 5. The WebMD MC rating dataset used in this study contains a total of 32,054 ratings provided by 2,136 patients for 845 different medicines. The proposed HSMCCF approach consists of two primary modules: a semantic filtering module and a multi-criteria filtering module. The semantic filtering module is designed to address the issues of data sparsity and new item problems by utilizing a medicine taxonomy that sorts medicines according to medical conditions and makes use of semantic relationships between them. This module identifies the medicines that are most likely to be relevant to patients based on their current medical conditions. The multi-criteria filtering module, on the other hand, enhances the approach’s ability to capture the complexity of patient preferences by considering multiple criteria and preferences through a unique similarity metric that incorporates both distance and structural similarities. This module ensures that patients receive more accurate and personalized medication recommendations. Moreover, a medicine reputation score is employed to ensure that the approach remains effective even when dealing with limited ratings or new items. Overall, the combination of these modules makes the proposed approach more robust and effective in providing personalized medicine recommendations for patients. Contribution: This study addresses the medicine recommendation problem by proposing a novel approach called Hybrid Semantic-based Multi-Criteria Collaborative Filtering (HSMCCF). This approach effectively recommends medications for patients based on their medical conditions and is specifically designed to overcome issues related to data sparsity and new item recommendations that are commonly encountered on online healthcare platforms. The proposed approach addresses data sparsity and new item issues by incorporating a semantic filtering module and a multi-criteria filtering module. The semantic filtering module sorts medicines based on medical conditions and uses semantic relationships to identify relevant ones. The multi-criteria filtering module accurately captures patient preferences and provides precise recommendations using a novel similarity metric. Additionally, a medicine reputation score is also employed to further expand potential neighbors, improving predictive accuracy and coverage, particularly in sparse datasets or new items with few ratings. With the HSMCCF approach, patients can receive more personalized recommendations that are tailored to their unique medical needs and conditions. By leveraging a combination of semantic-based and multi-criteria filtering techniques, the proposed approach can effectively address the challenges associated with medicine recommendations on online healthcare platforms. Findings: The proposed HSMCCF approach demonstrated superior effectiveness compared to benchmark recommendation methods in multi-criteria rating datasets in terms of enhancing both prediction accuracy and coverage while effectively addressing data sparsity and new item challenges. Recommendations for Practitioners: By applying the proposed medicine recommendation approach, practitioners can develop a medicine recommendation system that can be integrated into online healthcare platforms. Patients can then utilize this system to make better-informed decisions regarding the medications that are most suitable for their specific medical conditions. This personalized approach to medication recommendations can ultimately lead to improved patient satisfaction. Recommendation for Researchers: Integrating patient medicine reviews is a promising way for researchers to elevate the proposed medicine recommendation approach. By leveraging patient reviews, the approach can gain a more comprehensive understanding of how certain medications perform for specific medical conditions. Additionally, exploring the relationship between MC-based ratings using an improved aggregation function can potentially enhance the accuracy of medication predictions. This involves analyzing the relationship between different criteria, such as medication effectiveness, ease of use, and satisfaction of the patients, and determining the optimal weighting for each criterion based on patient feedback. A more holistic approach that incorporates patient reviews and an improved aggregation function can enable the proposed medicine recommendation approach to provide more personalized and accurate recommendations to patients. Impact on Society: To mitigate the risk of infection during the COVID-19 pandemic, the promotion of online healthcare services was actively encouraged. This allowed patients to continue accessing care and receiving treatment while adhering to physical distancing guidelines and shielding measures where necessary. As a result, the implementation of personalized healthcare services for patients is expected to be a major disruptive force in healthcare in the coming years. This study proposes a personalized medicine recommendation approach that can effectively address this issue and aid patients in making informed decisions about the medications that are most suitable for their specific medical conditions. Future Research: One way that may enhance the proposed medicine recommendation approach is to incorporate patient medicine reviews. Furthermore, the analysis of MC-based ratings using an improved aggregation function can also potentially enhance the accuracy of medication predictions.

Aim/Purpose: Based on the stimulus-organism-response (SOR) model, the current study investigated social commerce functions as an innovative retailing technological support by selecting the three most appropriate features for the Chinese online shopping environment with respective value co-creation intentions. Background: Social commerce is the customers’ online shopping touchpoint in the latest retail era, which serves as a corporate technological tool to extend specific customer services. Although social commerce is a relatively novel platform, limited theoretical attention was provided to determine retailers’ approaches in employing relevant functions to improve consumer experience and value co-creation. Methodology: A questionnaire was distributed to Chinese customers, with 408 valid questionnaires being returned and analyzed through Structural Equation Modeling (SEM). Contribution: The current study investigated the new retail concept and value co-creation from the consumer’s perspective by developing a theoretical model encompassing new retail traits and consumer value, which contributed to an alternative theoretical understanding of value creation, marketing, and consumer behaviour in the new retail business model. Findings: The results demonstrated that value co-creation intention was determined by customer experience, hedonic experience, and trust. Simultaneously, the three factors were significantly influenced by interactivity, personalisation, and sociability features. Specifically, customers’ perceptions of the new retail idea and the consumer co-creation value were examined. Resultantly, this study constructed a model bridging new retail characteristics with consumer value. Recommendations for Practitioners: Nonetheless, past new retail management practice studies mainly focused on superficial happiness in the process of human-computer interaction, which engendered a computer system design solely satisfying consumers’ sensory stimulation and experience while neglecting consumers’ hidden value demands. As such, a shift from the subjective perspective to the realisation perspective is required to express and further understand the actual meaning and depth of consumer happiness. Recommendation for Researchers: New retailers could incorporate social characteristics on social commerce platforms to improve the effectiveness of marketing strategies while increasing user trust to generate higher profitability. Impact on Society: The new retail enterprises should prioritise consumers’ acquisition of happiness meaning and deep experience through self-realisation, cognitive improvement, identity identification, and other aspects of consumer experiences and purchase processes. By accurately revealing and matching consumers’ fundamental perspectives, new retailers could continuously satisfy consumer requirements in optimally obtaining happiness. Future Research: Future comparative studies could be conducted on diverse companies within the same industry for comprehensive findings. Moreover, other underlying factors with significant influences, such as social convenience, group cognitive ability, individual family environment, and other external stimuli were not included in the present study examinations.

Aim/Purpose: This paper aims to empirically quantify the financial distress caused by the COVID-19 pandemic on companies listed on Amman Stock Exchange (ASE). The paper also aims to identify the most important predictors of financial distress pre- and mid-pandemic. Background: The COVID-19 pandemic has had a huge toll, not only on human lives but also on many businesses. This provided the impetus to assess the impact of the pandemic on the financial status of Jordanian companies. Methodology: The initial sample comprised 165 companies, which was cleansed and reduced to 84 companies as per data availability. Financial data pertaining to the 84 companies were collected over a two-year period, 2019 and 2020, to empirically quantify the impact of the pandemic on companies in the dataset. Two approaches were employed. The first approach involved using Multiple Discriminant Analysis (MDA) based on Altman’s (1968) model to obtain the Z-score of each company over the investigation period. The second approach involved developing models using Artificial Neural Networks (ANNs) with 15 standard financial ratios to find out the most important variables in predicting financial distress and create an accurate Financial Distress Prediction (FDP) model. Contribution: This research contributes by providing a better understanding of how financial distress predictors perform during dynamic and risky times. The research confirmed that in spite of the negative impact of COVID-19 on the financial health of companies, the main predictors of financial distress remained relatively steadfast. This indicates that standard financial distress predictors can be regarded as being impervious to extraneous financial and/or health calamities. Findings: Results using MDA indicated that more than 63% of companies in the dataset have a lower Z-score in 2020 when compared to 2019. There was also an 8% increase in distressed companies in 2020, and around 6% of companies came to be no longer healthy. As for the models built using ANNs, results show that the most important variable in predicting financial distress is the Return on Capital. The predictive accuracy for the 2019 and 2020 models measured using the area under the Receiver Operating Characteristic (ROC) graph was 87.5% and 97.6%, respectively. Recommendations for Practitioners: Decision makers and top management are encouraged to focus on the identified highly liquid ratios to make thoughtful decisions and initiate preemptive actions to avoid organizational failure. Recommendation for Researchers: This research can be considered a stepping stone to investigating the impact of COVID-19 on the financial status of companies. Researchers are recommended to replicate the methods used in this research across various business sectors to understand the financial dynamics of companies during uncertain times. Impact on Society: Stakeholders in Jordanian-listed companies should concentrate on the list of most important predictors of financial distress as presented in this study. Future Research: Future research may focus on expanding the scope of this study by including other geographical locations to check for the generalisability of the results. Future research may also include post-COVID-19 data to check for changes in results.

Aim/Purpose: This research study aimed to explore ecommerce fraud practitioners’ experiences and develop a grounded theory framework to help define an ecommerce fraud incident response process, roles and responsibilities, systems, stakeholders, and types of incidents. Background: With a surge in global ecommerce, online transactions have become increasingly fraudulent, complex, and borderless. There are undefined ecommerce fraud roles, responsibilities, processes, and systems that limit and hinder cyber incident response to fraudulent activities. Methodology: A constructivist grounded theory approach was used to investigate and develop a theoretical foundation of ecommerce fraud incident response based on fraud practitioners’ experiences and job descriptions. The study sample consisted of 8 interviews with ecommerce fraud experts. Contribution: This research contributes to the body of knowledge by helping define a novel framework that outlines an ecommerce fraud incident response process, roles and responsibilities, systems, stakeholders, and incident types. Findings: An ecommerce fraud incident response framework was developed from fraud experts’ perspectives. The framework helps define processes, roles, responsibilities, systems, incidents, and stakeholders. The first finding defined the ecommerce fraud incident response process. The process includes planning, identification, analysis, response, and improvement. The second finding was that the fraud incident response model did not include the containment phase. The next finding was that common roles and responsibilities included fraud prevention analysis, tool development, reporting, leadership, and collaboration. The fourth finding described practitioners utilizing hybrid tools and systems for fraud prevention and detection. The fifth finding was the identification of internal and external stakeholders for communication, collaboration, and information sharing. The sixth finding is that research participants experienced different organizational alignments. The seventh key finding was stakeholders do not have a holistic view of the data and information to make some connections about fraudulent behavior. The last finding was participants experienced complex fraud incidents. Recommendations for Practitioners: It is recommended to adopt the ecommerce fraud response framework to help ecommerce fraud and security professionals develop an awareness of cyber fraud activities and/or help mitigate cyber fraud activities. Future Research: Future research could entail conducting a quantitative analysis by surveying the industry on the different components such as processes, systems, and responsibilities of the ecommerce fraud incident response framework. Other areas to explore and evaluate are maturity models and organizational alignment, collaboration, information sharing, and stakeholders. Lastly, further research can be pursued on the nuances of ecommerce fraud incidents using frameworks such as attack graph generation, crime scripts, and attack trees to develop ecommerce fraud response playbooks, plans, and metrics.

Aim/Purpose: Using the Agile Adoption Framework (AAF), this study aims to examine the agile potential of software development companies in Nepal based on their agile maturity level. In addition, this study also examines the impact of various basic agile practices in determining the maturity level of the agile processes being implemented in the software industry of Nepal. Background: Even if most organizations in the software sector utilize agile development strategies, it is essential to evaluate their performance. Nepal’s software industry did not adopt agile techniques till 2014. The Nepalese industry must always adapt to new developments and discover ways to make software development more efficient and beneficial. The population of the study consists of 1,500 and 2,000 employees of software companies in Nepal implementing agile techniques. Methodology: The sample size considered was 150 employees working in software companies in Nepal. However, only 106 respondents responded after three follow-ups. The sample was collected with purposive sampling. A questionnaire was developed to gain information on Customer Adaptive, Customer Collaboration, Continuous Delivery, Human Centric, and Technical Excellence related to agile practices along with the Agile Maturity Level. Contribution: This research contributes to the understanding of agile practices adopted in software companies in developing countries like Nepal. It also reveals the determinants of the agility of software companies in developing countries. Findings: The results suggest that some of the basic principles of agile have a very significant role in Agile Maturity Level in the Nepali context. In the context of Nepal, human-centered practices have a very high level of correlation, which plays a vital role as a major predictor of the agile maturity level. In addition, Technical Excellence is the variable that has the highest level of association with the Agile Maturity Level, making it the most significant predictor of this quality. Recommendations for Practitioners: As Nepali software companies are mostly offshore or serve outsourcing companies, there is a very thin probability of Nepali developers being able to interact with actual clients and this might be one of the reasons for the Nepali industry not relying on Customer Adaptation and Collaboration as major factors of the Agile methodologies. Continuous Delivery, on the other hand, has a significant degree of correlation with Agile Maturity Level. Human-centric practices have a very high level of correlation as well as being a major predictor in determining the Agile Maturity Level in the context of Nepal. Technical Excellence is the most significant predictor and the variable which has the highest level of correlation with Agile Maturity Level. Practitioners should mainly focus on technical excellence as well as human-centric practices to achieve a higher level of Agile Maturity. Recommendation for Researchers: There has not been any such research in the Nepali context that anyone could rely on, to deep dive into their organizational concerns regarding agile strategies and plans. Researchers will need to focus on a more statistical approach with data-driven solutions to the issues related to people and processes. Researchers will need to cover freelancers as well as academics to get a different perspective on what can be the better practices to achieve a higher level of agile maturity. Impact on Society: This study on Agile work is accessible not only to the software industry but also to the general public. The Agile technique has had a huge impact on society’s project management. It has revolutionized how teams approach project planning, development, and execution. The paper’s findings will further information regarding the Agile methodology, which emphasizes collaboration and communication, fosters teamwork and higher quality work, and promotes the exchange of knowledge, ideas, and the pursuit of common goals. Future Research: Owing to the limitations of this study, it is necessary to analyze agile practices in the Nepalese software sector using additional factors that influence agile maturity. The conclusion that years of agile experience do not serve as a balancing factor for both agile practices and the Agile Maturity Level requires additional research. Whether a software outsourcing firm or not, the organization type had no bearing on the degree of maturity of agile methods; this leaves space for further research.

Aim/Purpose: Social commerce is an emergent topic widely used for product and service sourcing. It helps companies to have frequent interaction with their customers and strive to achieve a competitive advantage. Yet there is only little empirical evidence focusing on social commerce and its adoption in SMEs to date. This study investigates the key factors affecting social commerce adoption in SMEs. This research designed a theoretical model using the Technology, Organization, and Environment (TOE) Model Background: Despite its rapid growth and usage, social commerce is still in its evolution phase and its current conception is vague and restricted. Therefore, considering the benefits of social commerce for consumers and businesses, it is important to explore the concept of social commerce. Methodology: The research floated a self-administered questionnaire and surveyed 218 Jordanian SME businesses. The data was analyzed using smart PLS and the results were drawn that covers the detail of the characteristics of respondents, study descriptive, results of regressions assumptions, e.g., data normality, reliability, validity, common method biases, and description of the measurement model, followed by the findings of hypothesis analysis. Contribution: This study has many significant contributions to the existing studies on firms’ adoption of social commerce. It indicates that organizational readiness from the organizational perspective and consumer pressure from the environmental dimension of the TOE model are significant influential elements in the adoption of social commerce in business, followed by high-level management support and trading partner pressure, respectively. This shows that organizational readiness to adopt social commerce and consumer pressure has a vital role in Jordanian SMEs’ adopting social commerce. Findings: The results were drawn from a survey of 218 Jordanian SMEs, indicating that organizational readiness from an organizational dimension and consumer pressure environmental perspective, followed by top management’s support and trading partner pressure, significantly predicts the adoption intentions of social commerce. However, perceived usefulness and security concerns from a technological context do not significantly impact behavioral intentions to utilize social commerce. Recommendations for Practitioners: Lack of awareness about new technology and its potential benefits are not well diffused in the Jordanian context. In short, both organizational and environmental dimensions of the TOE framework significantly influence the behavioral intentions for social commerce adoption in the Jordanian context whereas the third-dimension technological factors do not affect the behavioral intentions of SMEs to adopt social commerce. In the technological context, SMEs need to invest in technology and must spread awareness among Jordanian consumers about the potential benefits of technology and must encourage them to use social commerce platforms to interact because of the high significance of social commerce for businesses as it facilitates the quick completion of tasks, enhances the productivity, and improves the chances of high profitability. Recommendation for Researchers: First, the study is limited in scope as it discusses the direct links between the TOE framework, behavioral intentions to use social commerce, and the actual usage of social commerce in the Jordanian context rather than testing the mediation, and moderation. Future research may examine the mediators and moderators in the conceptual model. Second, the research examined the behavioral intentions of SMEs rather than consumers to adopt social commerce. Further research might consider the consumer perspective on social commerce. Impact on Society: This research aims to identify the key factor that impact the behavioral intentions of SME businesses to practice social commerce. The theoretical underpinning of the study lies in the TOE model, as using its basic assumptions the conceptual grounds and hypothesis of the study are developed. Future Research: The study findings are not generalizable in different contexts as it was specifically conducted by gathering data from the Jordanian population. However future studies may consider different contexts, sectors, cultures, or countries to examine the model. Lastly, the research collected data using convenience sampling from 218 SMEs in Jordan, which may create difficulty in the generalizability of the research, so needs to examine a larger sample in future studies.

Aim/Purpose: In this study, we developed a recommendation system model designed to support decision-makers in identifying consumers eligible for pay-later options via consensus-based decision-making. This approach was chosen due to the high and complex risks involved, such as delayed payments, challenges in reaching consumers, and issues of bad credit. Background: The “pay-later” option, which allows consumers to postpone payment for e-commerce purchases, offers convenience and flexibility but also introduces several challenges: (i) by enabling payment deferral, merchants face financial risks, including potential delays or defaults in payment, adversely affecting their cash flow and profitability; and (ii) this payment delay can also heighten the risk of fraud, including identity theft and unauthorized transactions. Methodology: This study initiated a risk analysis utilizing the ROAD process. Considering contemporary economic developments and advancements in neural networks, integrating these networks into risk assessment has become crucial. Consequently, model development involved the amalgamation of three deep learning methods – CNN (Convolutional Neural Networks), RNN (Recurrent Neural Networks), and LSTM (Long Short-Term Memory) – to address various risk alternatives and facilitate multi-stage decision-making recommendations. Contribution: Our primary contribution is threefold. First, our study identified potential consumers by prioritizing those with the smallest associated problem consequence values. Second, we achieved an optimal recall value using a candidate generator. Last, we categorized consumers to assess their eligibility for pay-later rights. Findings: The findings from this study indicate that our multi-stage recommendation model is effective in minimizing the risk associated with consumer debt repayment. This method of consumer selection empowers policymakers to make informed decisions regarding which consumers should be granted pay-later privileges. Recommendations for Practitioners: This recommendation system is proposed to several key parties involved in the development, implementation, and use of pay-later systems. These parties include E-commerce Executive Management for financial analysis and risk evaluation, the Risk Management Team to assess and manage risks related to users utilizing Pay-Later services, and Sales Managers to integrate Pay-Later services into sales strategies. Recommendation for Researchers: Advanced fraud detection mechanisms were implemented to prevent unauthorized transactions effectively. The goal was to cultivate user confidence in the safety of their financial data by ensuring secure payment processing. Impact on Society: Ensuring consumers understand the terms and conditions of pay-later arrangements, including interest rates, repayment schedules, and potential fees, is crucial. Providing clear and transparent information, along with educating consumers about their financial responsibilities, helps prevent misunderstandings and disputes. Future Research: Our future development plans involve the ongoing assessment of the system’s performance to enhance prediction accuracy. This includes updating models and criteria based on feedback and changes in economic or market conditions. Upholding compliance with security and data privacy regulations necessitates the implementation of protective measures to safeguard consumer information. The implementation of such a system requires careful consideration to ensure fairness and adherence to legal standards. Additionally, it is important to acknowledge that algorithms and models may evolve over time through the incorporation of additional data and continuous evaluations.

Aim/Purpose: This conceptual review analyzes the designs of global health virtual communities of practice (VCoPs) programming reported in the empirical literature and proposes a new typology of their functioning. The purpose of this review is to provide clarity on VCoP learning stages of (co)evolution and insight into VCoP (re)development efforts to best meet member, organization, and network needs against an ever-evolving landscape of complexity in global health. Background: Since the COVID-19 pandemic, the field of global health has seen an uptick in the use of VCoPs to support continuous learning and improve health outcomes. However, evidence of how different combinations of programmatic designs impact opportunities for learning and development is lacking, and how VCoPs evolve as learning networks has yet to be explored. Methodology: Following an extensive search for literature in six databases, thematic analysis was conducted on 13 articles meeting the inclusion criteria. This led to the development and discussion of a new typology of VCoP phases of learning (co)evolution. Contribution: Knowledge gained from this review and the new categorization of VCoPs can support the functioning and evaluation of global health training programs. It can also provide a foundation for future research on how VCoPs influence the culture of learning organizations and networks. Findings: Synthesis of findings resulted in the categorization of global health VCoPs into five stages (slightly evolving, somewhat revolving, moderately revolving, highly revolving, and coevolving) across four design domains (network development, general member engagement before/after sessions, general member engagement during sessions, and session leadership). All global health VCoPs reviewed showed signs of adaptation and recommended future evolution. Recommendations for Practitioners: VCoP practitioners should pay close attention to how the structured flexibility of partnerships, design, and relationship development/accountability may promote or hinder VcoP’s continued evolution. Practitioners should shift perspective from short to mid- and long-term VCoP planning. Recommendation for Researchers: The new typology can stimulate further research to strengthen the clarity of language and findings related to VCoP functioning. Impact on Society: VCoPs are utilized by academic institutions, the private sector, non-profit organizations, the government, and other entities to fill gaps in adult learning at scale. The contextual implementation of findings from this study may impact VCoP design and drive improvements in opportunities for learning, global health, and well-being. Future Research: Moving forward, future research could explore how VCoP evaluations relate to different stages of learning, consider evaluation stages across the totality of VCoP programming design, and explore how best to capture VCoP (long-term) impact attributed to health outcomes and the culture of learning organizations and networks.

Aim/Purpose: This study aims to develop a solution for personalized tourism recommendations that addresses information overload, data sparsity, and the cold-start problem. It focuses on enabling tourists to choose the most suitable tourism-related facilities, such as restaurants and hotels, that match their individual needs and preferences. Background: The tourism industry is experiencing a significant shift towards digitalization due to the increasing use of online platforms and the abundance of user data. Travelers now heavily rely on online resources to explore destinations and associated options like hotels, restaurants, attractions, transportation, and events. In this dynamic landscape, personalized recommendation systems play a crucial role in enhancing user experience and ensuring customer satisfaction. However, existing recommendation systems encounter major challenges in precisely understanding the complexities of user preferences within the tourism domain. Traditional approaches often rely solely on user ratings, neglecting the complex nature of travel choices. Data sparsity further complicates the issue, as users might have limited interactions with the system or incomplete preference profiles. This sparsity can hinder the effectiveness of these systems, leading to inaccurate or irrelevant recommendations. The cold-start problem presents another challenge, particularly with new users who lack a substantial interaction history within the system, thereby complicating the task of recommending relevant options. These limitations can greatly hinder the performance of recommendation systems and ultimately reduce user satisfaction with the overall experience. Methodology: The proposed User-based Multi-Criteria Trust-aware Collaborative Filtering (UMCTCF) approach exploits two key aspects to enhance both the accuracy and coverage of recommendations within tourism recommender systems: multi-criteria user preferences and implicit trust networks. Multi-criteria ratings capture the various factors that influence user preferences for specific tourism items, such as restaurants or hotels. These factors surpass a simple one-star rating and take into account the complex nature of travel choices. Implicit trust relationships refer to connections between users that are established through shared interests and past interactions without the need for explicit trust declarations. By integrating these elements, UMCTCF aims to provide more accurate and reliable recommendations, especially when data sparsity limits the ability to accurately predict user preferences, particularly for new users. Furthermore, the approach employs a switch hybridization scheme, which combines predictions from different components within UMCTCF. This scheme leads to a more robust recommendation strategy by leveraging diverse sources of information. Extensive experiments were conducted using real-world tourism datasets encompassing restaurants and hotels to evaluate the effectiveness of UMCTCF. The performance of UMCTCF was then compared against baseline methods to assess its prediction accuracy and coverage. Contribution: This study introduces a novel and effective recommendation approach, UMCTCF, which addresses the limitations of existing methods in personalized tourism recommendations by offering several key contributions. First, it transcends simple item preferences by incorporating multi-criteria user preferences. This allows UMCTCF to consider the various factors that users prioritize when making tourism decisions, leading to a more comprehensive understanding of user choices and, ultimately, more accurate recommendations. Second, UMCTCF leverages the collective wisdom of users by incorporating an implicit trust network into the recommendation process. By incorporating these trust relationships into the recommendation process, UMCTCF enhances its effectiveness, particularly in scenarios with data sparsity or new users with limited interaction history. Finally, UMCTCF demonstrates robustness towards data sparsity and the cold-start problem. This resilience in situations with limited data or incomplete user profiles makes UMCTCF particularly suitable for real-world applications in the tourism domain. Findings: The results consistently demonstrated UMCTCF’s superiority in key metrics, effectively addressing the challenges of data sparsity and new users while enhancing both prediction accuracy and coverage. In terms of prediction accuracy, UMCTCF yielded significantly more accurate predictions of user preferences for tourism items compared to baseline methods. Furthermore, UMCTCF achieved superior coverage compared to baseline methods, signifying its ability to recommend a wider range of tourism items, particularly for new users who might have limited interaction history within the system. This increased coverage has the potential to enhance user satisfaction by offering a more diverse and enriching set of recommendations. These findings collectively highlight the effectiveness of UMCTCF in addressing the challenges of personalized tourism recommendations, paving the way for improved user satisfaction and decision-making within the tourism domain. Recommendations for Practitioners: The proposed UMCTCF approach offers a potential opportunity for tourism recommendation systems, enabling practitioners to create solutions that prioritize the needs and preferences of users. By incorporating UMCTCF into online tourism platforms, tourists can utilize its capabilities to make well-informed decisions when selecting tourism-related facilities. Furthermore, UMCTCF’s robust design allows it to function effectively even in scenarios with data sparsity or new users with limited interaction history. This characteristic makes UMCTCF particularly valuable for real-world applications, especially in scenarios where these limitations are common obstacles. Recommendation for Researchers: The success of UMCTCF can open up new avenues in personalized recommendation research. One promising direction lies in exploring the integration of additional contextual information, such as temporal (time-based) or location-based information. By incorporating these elements, the model could be further improved, allowing for even more personalized recommendations. Furthermore, exploring the potential of UMCTCF in domains other than tourism has considerable significance. By exploring its effectiveness in other e-commerce domains, researchers can broaden the impact of UMCTCF and contribute to the advancement of personalized recommendation systems across various industries. Impact on Society: UMCTCF has the potential to make a positive impact on society in various ways. By delivering accurate and diverse recommendations that are tailored to individual user preferences, UMCTCF fosters a more positive and rewarding user experience with tourism recommendation systems. This can lead to increased user engagement with tourism platforms, ultimately enhancing overall satisfaction with travel planning. Furthermore, UMCTCF enables users to make more informed decisions through broader and more accurate recommendations, potentially reducing planning stress and leading to more fulfilling travel experiences. Future Research: Expanding upon the success of UMCTCF, future research activities can explore several promising paths. Enriching UMCTCF with various contextual data, such as spatial or location-based data, to enhance recommendation accuracy and relevance. Leveraging user-generated content, like reviews and social media posts, could provide deeper insights into user preferences and sentiments, improving personalization. Additionally, applying UMCTCF in various e-commerce domains beyond tourism, such as online shopping, entertainment, and healthcare, could yield valuable insights and enhance recommendation systems. Finally, exploring the integration of optimization algorithms could improve both recommendation accuracy and efficiency.

The proposed work aims to discover the international technology competition and development of human-artificial intelligence (AI) collaboration on content creation in the film and animation industries to support the strategic planning, decision-making of R&D, and soft innovation. The study demonstrates a hybrid approach that combines technology life cycle (TLC) and latent Dirichlet allocation (LDA) topic modelling. We analyse 1,982 patents of AI collaborating on creating film and animation in the primary patent application countries (i.e., patents applied to the intellectual property offices of the USA, China, Korea, Japan, and European Patent Office, EPO) from 2010 to 2020. The TLC results show growing trends in the international technology competition. The major topic trends corresponding to TLC phases denote strong potential or future stagnation signals in different countries. The study provides the future R&D signals and suggests stimulating soft innovation with human-AI collaboration to face growing competition.

In this paper, two hypothetical frameworks are proposed through the application of quality function deployment (QFD) to integrate the current institutional level and program level student learning focus areas with the relevant institutional and program specific stakeholder expectations. A generic skillset proficiency expected of all the graduating students at the institutional level by the stakeholders is considered in the first QFD application example and a program specific knowledge proficiency expected at the program level by the stakeholders is considered in the second QFD application example. Operations management major/option is considered for illustration purposes at the program level. In addition, an assurance of learning based approach rooted in continuous improvement philosophy is proposed to align the stakeholder expectations with the relevant student learning outcomes at different learning tiers.

This study investigates cross-border commercial air passenger traffic in Africa, focusing on the development of the 15 busiest country pairs during the period 1989 to 2015. It explores dimensions not previously studied by using ICAO's 'Traffic by Flight Stage' (TFS) and data from the CEPII Gravity Dataset. The spatial results show on an uneven geographical distribution of country pairs with the centre of gravity to South, East and North-East Africa, with one long-distance corridor between Egypt and South Africa. Countries in North and West Africa have rather few linkages, except for Egypt. Central African countries are not represented among the 15 country pairs. Although the number of passengers and the rank among the countries have shifted, South Africa and Egypt stand out, as having most country pair connections. Factors such as changing economic, diplomatic and political relations have had an influence on changing country pair connections throughout the period. A number of variables were selected to investigate how they correlated with Africa's commercial passenger traffic. Of the seven variables selected, five did show on a correlation and two did partly so. In that view, Africa's air traffic follows rather typical patterns.