Earlier literature has shown that the implementation of FinTech innovations is not only determined by banks, financial institutions, or government support, but also by the perception and experiences of FinTech users. FinTech research has shown encouraging findings from scholars in developed countries. However, little is known about the users’ acceptance and use of FinTech in Jordan. The aim of this study is to investigate the determinants of users’ intentions and e-Loyalty toward FinTech adoption in Jordan post the COVID-19 era. A conceptual framework was developed by integrating the four original constructs of the unified theory of acceptance and use of technology (UTAUT), namely performance expectancy (PE), effort expectancy (EE), social influence (SI), and facilitating conditions (FC), with three additional factors: personal innovativeness (PI), financial literacy (FL), and uncertainty avoidance (UA). In addition, the proposed model considered the e-Loyalty of FinTech users as a consequence of having a good FinTech experience. A quantitative approach using a cross-sectional online questionnaire was applied to collect data from 423 FinTech users. Data were analyzed utilizing structural equation modeling (SEM) based on AMOS 26.0 software package. The findings revealed that UA has a moderating effect on the relationship between FC and users’ intentions. Also, PI has a significant impact on PE and EE. While PE, SI, and FC are factors that enhance behavioral intentions. In return, it builds users’ e-Loyalty toward FinTech services and is deemed a new normal behavior. This study may help FinTech service providers and policymakers better understand the, currently relatively low, usage rate of FinTech, and how it contributes to the development of strategies that boost the acceptance and e-Loyalty of FinTech by Jordanian users after the COVID-19 era, where FinTech is still considered an innovation.

This research aims to highlight digital financial technology, which has become the focus of attention for all economic and banking institutions in general (Shmuratko & Sheludko, 2021). Due to rising competition, client awareness, and the need for various services, many banks have switched to electronic transactions. And advanced financial services, banks no longer focus on their centuries-old activities (Alrawashdeh et al., 2022). Instead, it moved beyond employing financial technology and fostering international cooperation and information sharing to suit customers’ demands, such as automated teller machines (ATMs), smart cards, online payments, and cash transfers. Data were processed using statistical techniques (SPSS). The results of the statistical analysis of the data collected through the questionnaire tool prepared for this purpose showed an impact of financial technology on the dimensions of entrepreneurship. A random sample of 300 bank managers and commercial bank employees who were in direct contact with customers was selected, and it shows that there is an impact of the independent dimension of digital financial technology on the dimensions of entrepreneurship (initiative, risk tolerance, innovation, investment or acquisition of opportunities) in the research sample banks.

The goal of this study is to ascertain the moderating role that management support has in internal audit effectiveness in Jordan, as well as the impact of system quality and user quality of information technology. There were 172 responders in all, and they were split across Jordanian auditors. In the data analysis process, the quantitative analysis test— which consists of the validity test, reliability test, test of conventional assumptions, and hypothesis test—is applied. Information technology system and user quality are independent variables in this study. The dependent variable in this study is internal audit effectiveness, and the moderating variable is management support. The results of this study show that the effectiveness of internal audits is significantly impacted by the system quality and user quality of information technology. Additionally, with Management support acting as a moderating factor, the link between System quality and Audit effectiveness improves. The findings also indicate that when moderating variables are present, the connection between User quality and Audit effectiveness changes from positive to negative. Future research might look at risk management.

This study aims to investigate the effect of macroprudential regulation on banks’ profitability during financial crises, to find out whether the instruments of the Central Bank of Jordan (CBJ) enhance the performance of the Jordanian banking sector in terms of increasing banks’ profitability and reducing banking sector exposure to financial crisis vulnerability. The sample of the study consists of twelve listed banks in Jordan over the period 2000–2018. The bank’s return on assets (ROA) was regressed on instruments by using the fully modified ordinary least square (FMOLS) method. The results had shown a slightly weak significant effect of stress testing (ST) on the banks’ ROA. Capital adequacy ratio (CAR) had no significant effect, leverage ratio had the deepest effect, and banks are highly leveraged with more debt-to-equity ratio. In addition to that, a good number of the banks maintain CAR, loan-to-value (LTV), and leverage ratios higher than the minimum limit required by the CBJ and Basel requirements, suggesting that the Basel standards did not take into consideration the particularity of some countries. The results also revealed that CBJ prudential regulation instruments are succeed in keeping the stability of the banking sector profitability during previous financial crises, but still need to enhance the level of gearing for banks against future shocks

Bank stakeholders, such as creditors, investors, regulators, and other bank stakeholders, expect continuous performance improvement. To achieve this goal, bank managers can use information technology (IT) as a strategic resource to improve their bank’s capabilities and accordingly gain competitive advantage. In this study, the profitability and efficiency of commercial banks in Jordan are compared to investment in information technology (IT). Return on equity (ROE), return on assets (ROA), and net interest margin (NIM) are used to measure bank profitability while controlling for bank size and financial leverage. Cost efficiency is measured using the cost efficiency ratio. The study sample consists of 13 commercial banks listed on the Amman Stock Exchange between 2010 and 2021. To determine the relationship between the variables, descriptive statistics, correlation analysis, the panel least squares approach, and fixed effects multiple regression models are used. The findings show that banks, on average, spend 0.61 percent of their total assets on information technology (hardware and software). Additionally, banks that invest in IT are predicted to perform better over time, as evidenced by their increased profitability and efficiency. Small banks have more IT investment as a percentage of assets than larger banks. In comparison to highly leveraged banks, less leveraged banks typically have a greater IT investment to asset ratio (0.69%). The findings show that profitable banks (measured by ROE) invest more than 1.1% of their total assets in IT. Meanwhile, highly efficient banks also invest more in IT (0.65%) compared to less efficient banks. AcknowledgmentWe are indebted to the Middle East University (MEU) - Jordan ) for the financial support needed for this article.

Purpose This study investigates the impact of financial technology (fintech) platform in enhancing access to finance for small and medium enterprises’ (SMEs) in Jordan. Design/methodology A mixed-methods design using an ex-post facto survey method. Primary data were collected from 383 SME owners via Google Forms distributed through WhatsApp and email. The study utilized snowball sampling and statistical analysis including Pearson’s correlation and multiple regression to examine relationships between fintech usage and access to finance. Results The findings demonstrate that fintech platforms significantly optimize SMEs’ access to finance and encourage financial inclusion. Contributions from fintech platforms and financial inclusion factors were important predictors of financing access, but challenges and adoption barriers had no significant impact. Implications The study highlights the possibility of fintech to causeway financing gaps for SMEs in Jordan. It recommends that SME owners implement fintech instruments to improve financial management and credit access, whereas policymakers should encourage fintech adoption through digital literacy, cybersecurity regulation, and supportive policy frameworks. Originality/value This study is one of the few to empirically show the constructive role of fintech solutions for SME financing in Jordan. It provides novel insights into how fintech platforms can drive financial inclusion and economic development in emerging markets.