Purpose of the study: The purpose of the study was to discuss the impact of the TOE factors on FinTech Adoption and Financial Performance and the role of organizational readiness as moderation in Jordanian commercial banks. Theoretical framework: In order to examine how to embrace Fintech and its effects on Financial Performance, this study provides an enhanced technology acceptance model (TOE) that includes relative advantage, top management support, competitive pressure, and technological compatibility. Method: A questionnaire that we created and distributed to bank managers, department heads, and supervisors working for Jordanian commercial banks yielded 215 valid replies. To test the hypotheses, we used a structural equation model (SEM) to analyze the data and examine the correlations between all latent variables. Results and conclusion: The results reveal that a positive and significant relationship between Relative Advantage, Top Management Support, and Competitive Pressure on Fintech Adoption and technological compatibility has an insignificant effect on Fintech Adoption, Also showed a positive and significant relationship between Fintech Adoption and Financial Performance. The significant moderating positive effect of organizational readiness on the relationship between Technological Compatibility and Competitive Pressure and Fintech Adoption. This study also shows that does not have a significant moderating positive effect of organizational readiness on the relationship between Relative Advantage, Top Management Support, and Fintech Adoption. Search implications: The study's findings imply the need for further research and exploration into FinTech Adoption to improve the financial performance of commercial banks to remain competitive in the market. Originality value: This research contributes to integrating the adoption of Fintech's trust with TOE, this study adds to the body of knowledge on the usage of Fintech in banks by offering a more thorough understanding of the factors that influence users' views.

This study explores the transformative role of financial technology (fintech) in advancing sustainability, financial inclusion, and customer engagement in Jordan’s banking sector. Utilizing a quantitative descriptive survey design, data were collected from 400 participants—comprising 300 bank customers and 100 banking professionals—through a structured bilingual questionnaire distributed via digital platforms. The study aims to evaluate how fintech innovations align with sustainable finance practices, extend banking access to underserved populations, and influence customer satisfaction. The results reveal strong evidence of fintech’s positive impact across all three domains. Regression analysis confirmed a statistically significant relationship between fintech innovation and the adoption of sustainable finance practices (β = 0.6498, p < 0.001), explaining 42.2% of the variance in sustainability outcomes. Similarly, fintech adoption was found to significantly improve financial inclusion among underserved populations (β = 0.6842, p < 0.001), accounting for 46.85% of the variance in access to services. One-way ANOVA analysis further showed that increased fintech integration significantly enhances customer engagement, with mean satisfaction scores rising progressively with higher fintech usage levels (F = 24.49, p < 0.001). The study underscores that fintech is a critical enabler of ethical banking transformation in Jordan, promoting ESG objectives, reducing financial access disparities, and strengthening customer loyalty. The findings confirm that fintech significantly contributes to sustainable, inclusive, and customer-centric banking practices. These insights support the notion that fintech adoption not only redefines banking operations but also charts a sustainable and socially responsible future for the Jordanian financial sector.

Type of the article: Research ArticleAbstractThe study examines the Jordanian banking environment against the backdrop of rapid digital advances and whether applying Artificial Intelligence, Financial Technology solutions, and hybrid platforms that combine new and traditional technologies is gaining traction. It surveyed 460 respondents, including 280 bank officials and decision-makers, 140 active Financial Technology practitioners, and 40 regulators and policymakers. These groups were deliberately selected to include different views of operation, usage, and regulation. The questionnaire took place between September and December of 2024, a time in which Jordan itself began an electronic transformation project as a result of the previous pandemic outbreak. Institutional Review Board approval from the Middle East University, as well as consent from online volunteers, preceded this study.Quantitative analysis demonstrates good readiness to adopt Artificial Intelligence (mean value 4.3) and hybrid integration (mean value 4.2). Application Programming Interface integration was indicated as a chief enabler of Artificial Intelligence adoption (0.78, 0.020), which enabled real-time risk analysis (0.70) and customer satisfaction (0.62). These, in turn, enhanced regulatory compliance (0.57), infrastructure buildup (0.54), and tech capacity development (0.49). The study illustrates the interconnected correlation between infrastructural backup, rule compliance, and technological readiness in ensuring the success of digital transformation processes. By integrating empirically derived data and situational analysis, this work provides a new depth of understanding of the feasibility of restructuring financial services provision in new economies such as Jordan. The study illustrates the possibilities and constraints of Financial Technology and Artificial Intelligence applications, with special emphasis on culturally compliant and morality-inclined innovation.

The adoption of digital financial tools improves financial efficiency, transparency, and governance. However, family-owned businesses in Jordan adopt these tools at a lower rate than non-family businesses, potentially limiting their competitiveness. This study examines the extent of digital adoption, its impact on financial management, and the role of generational involvement.A survey of 366 businesses (262 family-owned and 104 non-family) across six industries was analyzed using multi-group analysis. Family-owned businesses reported a 31.2% improvement in financial management after adoption, compared to 19.6% in non-family businesses (p = 0.039). Generational involvement increased adoption by 26.5% in family-owned businesses versus 10.8% in non-family businesses (p = 0.015). Cultural resistance hindered adoption in family-owned businesses by 4.5% more than in non-family businesses (p = 0.028). Business size influenced adoption similarly (10.2% vs. 10.1%, p = 0.460). Financial management improvements were slightly lower in family-owned businesses (76.6%) than in non-family businesses (78.2%, p = 0.532). Adoption rates in family-owned businesses were 11.7% lower (p = 0.039). The interaction of business type and generational involvement contributed to a 22.0% increase in adoption (p < 0.01).These results underscore the importance of phased adoption, digital literacy programs, and intergenerational collaboration in accelerating financial digitalization within family-owned businesses. Addressing cultural resistance is essential for ensuring long-term financial sustainability and competitiveness in Jordan’s evolving economy.

The goal of work is to analyze the differences and similarities in the money flows of Islamic (IMF) and conventional mutual funds (CMF) throughout two intense events: the global financial crisis (GFC), and the COVID-19 pandemic. Pandemics have been extremely uncommon. Therefore, this work offers novel guide on what effect a global infectious malady can have concerned mutual funds’ flow. The entire sample comprises 87 equity IMFs and 83 equity CMFs in Malaysia, encompassing the two crises from January 2005 to October 2020. This work uses panel regression analysis (fixed-effect and random effect). The main findings are both crises led to a decrease in the money flows for both IMFs and CMFs. The outcomes indicate that viral pandemics effect mutual funds, similar to the earlier financial crises. However, the impact of both crises was less on the flows of IMFs than on the flows of CMFs. The implications of this paper provide managers with an overall view about investors behaviour, especially during extreme events. Thus, it helps them to build their strategies based on the behaviour and preferences of investors. The implication to investors is that it allows investors to decide in directing their money to suitable funds, such as Islamic funds, especially during these extreme periods. This work`s novel contribution is that it’s the first research exploring the effect of the COVID-19 crisis as well as the financial crisis and fund flows in Malaysia.

Purpose of the study: The purpose of the study was to discuss the impact of the TOE factors on FinTech Adoption and Financial Performance and the role of organizational readiness as moderation in Jordanian commercial banks. Theoretical framework: In order to examine how to embrace Fintech and its effects on Financial Performance, this study provides an enhanced technology acceptance model (TOE) that includes relative advantage, top management support, competitive pressure, and technological compatibility. Method: A questionnaire that we created and distributed to bank managers, department heads, and supervisors working for Jordanian commercial banks yielded 215 valid replies. To test the hypotheses, we used a structural equation model (SEM) to analyze the data and examine the correlations between all latent variables. Results and conclusion: The results reveal that a positive and significant relationship between Relative Advantage, Top Management Support, and Competitive Pressure on Fintech Adoption and technological compatibility has an insignificant effect on Fintech Adoption, Also showed a positive and significant relationship between Fintech Adoption and Financial Performance. The significant moderating positive effect of organizational readiness on the relationship between Technological Compatibility and Competitive Pressure and Fintech Adoption. This study also shows that does not have a significant moderating positive effect of organizational readiness on the relationship between Relative Advantage, Top Management Support, and Fintech Adoption. Search implications: The study's findings imply the need for further research and exploration into FinTech Adoption to improve the financial performance of commercial banks to remain competitive in the market.   Originality value: This research contributes to integrating the adoption of Fintech's trust with TOE, this study adds to the body of knowledge on the usage of Fintech in banks by offering a more thorough understanding of the factors that influence users' views.