The study focuses on understanding the moderation effect of organizational agility in the impact of digital HRM system and digital transformation on HR efficiency in organizations intending to excel in the digital era. This study examines the association between digital HRM systems, digital transformation, and HR efficiency, considering the moderating role of organizational agility. Based on the study model, the authors proposed five hypotheses to be tested in this study. They adapted the study instrument based on quantitative descriptive approach and distributed 500 questioners to collect 385 responses. The study’s findings reveal that both digital HRM systems and digital transformation impact HR efficiency. The significant findings were that digital HRM systems (β = 0.456, p < 0.001) and digital transformation (β = 0.194, p = 0.006) have a positive and significant impact on HR efficiency. In addition, organizational agility serves as a moderator in the relationship between digital HRM systems and HR efficiency (β = 0.154, p = 0.025) but has no effect on the relationship with digital transformation (β = − 0.075, p = 0.248). This study contributes to the literature by demonstrating the role of digital HRM systems and digital transformation as key organizational resources that enhance HR efficiency. It also highlights how organizational agility and digital capabilities serve as dynamic resources, contributing to an organization’s adaptability and sustained competitive advantage. The future research directions and limitations are presented at the end.

This research identifies how technological aspects help small and medium-sized businesses in Jordan develop their e-commerce activities. Critical technological elements investigated in this research consist of the ICT infrastructure, digital payment systems, cybersecurity, and technological literacy. Small and medium-sized enterprises must adopt e-commerce to thrive within the fast-evolving digital global marketplace. All significant factors assessed during this research showed that technological literacy stood out as the primary driver for e-commerce success by allowing SMEs to utilize digital tools efficiently. Digital payment systems establish reliable payment mechanisms for online purchases, which build consumer trust, while cybersecurity protects personal customer information and strengthens consumer trust. Jordanian SMEs struggle with digital transformation because they have limited ICT infrastructure alongside scarce transformative resources. The researchers gathered structured survey responses from 121 SMEs located throughout Jordan. All selected SMEs for this research had completed at least five years of business operation according to random selection criteria. SPSS served as the platform through which researchers surveyed relationships between technological aspects and e-commerce integration. Research outcomes deliver appropriate guidance for policymakers and business figures, enabling them to expand SME potential and accelerate e-commerce penetration in Jordan.

An investigation explains the relationship between technical elements and human conduct that affect the acceptance of digital payment solutions in Jordan's electronic marketing landscape. The study examines four essential variables: perceived ease of use, perceived usefulness, security and privacy, and awareness under the influence of consumer trust as a mediator. Modern e-marketing depends on digital payment systems as they provide convenience and “operational efficiency”. User adoption results indicate that perceived ease of use, together with perceived usefulness and security and privacy, act as key factors for adoption, while awareness plays no direct role in adoption behaviors. Consumer trust stands out as a main moderating factor that enhances the effect key variables have on adoption choices. The study conducted an online survey with 391 Jordanian users that took place from August to October 2024. Every participant in the survey had experience with digital payment systems. The researchers used AMOS 22 to execute an SEM analysis, enabling them to study variable relationships and validate their model. The findings indicate that perceived ease of use, perceived usefulness, security and privacy all increase digital payment adoption, while awareness does not have a direct effect. Considerably, consumer trust positively influences the links between each key predictor (except awareness) and buying behavior for digital purchases. This research offers vital advice for Jordanian officials, those who provide services, and financial providers to introduce digital payment systems that are trusted, accessible, and easy for users during the country’s wider digital change.

This research examines the impact of five digital transformation enablers—BI capabilities, cloud-based accounting adoption, system integration, user competency with BI tools, and data governance—on digital financial performance (DFP) in Jordanian financial institutions. Through empirical analysis of the contribution of the enablers, the research intends to enhance both academic and practical knowledge of digital financial ecosystems in emerging economies. Finance and IT professionals in different financial institutions in Jordan answered a structured survey. Using Structural Equation Modeling (SEM) through AMOS 24, 517 valid responses from 712 distributed questionnaires were analyzed. The model was tested using confirmatory factor analysis and fit indices in order to achieve robustness. The findings show that BI capability (β = 0.42), system integration (β = 0.41), and cloud-based accounting (β = 0.37) have high positive effects on the performance of DFP. User competency (β = 0.36) also significantly increases performance. Data governance (β = 0.28) has a positive effect, but it is a moderate one. These results highlight the strategic placement of data-driven intelligence, integration across systems, and human capital for financial efficiency and digital resilience. The study gives evidence-based advice for financial institutions that hope to improve their digital financial performance. It promotes focus on investing in BI infrastructure, integrated cloud systems, and analytics training. Policymakers are encouraged to drive change with incentivizing policy, compliance frameworks, and training programs for people’s digital skills. Improvement in digital financial performance improves the resilience and competitiveness of the sector of financial services and financial transparency, risk management, and secure digital provision of services to consumers in Jordan. The research is a further addition to existing literature by providing a comprehensive review of BI-empowered cloud accounting in an emerging market environment. It reveals the synergistic play of digital tools and governance structures in the transformation of the financial operations and performance.

The rapid integration of artificial intelligence (AI) into the higher education sector is essentially reshaping the learning, creative, and knowledge-interaction practices of students. However, there is little empirical research on the degree to which AI-related competencies and human-AI interaction mechanisms can affect student creativity, particularly in the context of developing countries. The current research adds to the Technology Acceptance Model (TAM) by introducing AI self-efficacy as a psychological antecedent and human-AI collaboration quality as an interactional mechanism, which explains creativity among university student groups in Jordan. The information was received through an online questionnaire that was distributed among 366 students studying at four universities in Jordan, including two state-owned and two privately owned institutions, and who had previous experience with AI-based learning tools. Using confirmatory factor analysis and structural equation modelling in AMOS, the research confirms the measurement model and evaluates the hypothesized structural relationships. The results show that AI self-efficacy is a significant supplement to the perception of ease of use and usefulness, which in foster develop more positive attitudes towards AI. The ease of use and usefulness perceptions also have a strong impact on the quality of human-AI collaboration, which strengthens the attitudes of students even more. The attitude towards AI is a powerful predictor of the behavioural intention to use AI, and behavioural intention seems to be a crucial factor in influencing student creativity. The model explains a significant percentage of variance in behavioural intention (R ² = 0.61) and in creativity (R ² = 0.47). The findings contribute to the TAM-based AI studies by highlighting the importance of self-efficacy and the quality of collaboration and offer practical implications to universities that wish to use AI as a driver of creative and innovation-driven learning in Jordanian higher education.