Ayman Ahmad Abu Haija’s research while affiliated with Jadara University and other places

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Publications (43)


Examining the Nexus Between FinTech and Financial Disclosure of the Banking Sector in Jordan
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March 2025

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6 Reads

Ayman A. Abu Haija

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The relationship among the Jordan’s banking sector level of the Financial disclosure (FD) and Financial technology (FinTech), and it will be considered to be the main objective of this study. In Jordan, 217 banking managers receive standardized surveys and these will arise with the quantitative approach of this study. Utilizing Structural Equation Modeling (SEM), the FD and FinTech were analyzed. In Jordan’s banking sector, the adoption of FinTech has major impacts on the FD, this will be determined by the outcomes of this study. According to the outcomes, the application of FinTech enhances the comprehensiveness, timeliness, accuracy, and transparency of their financial reports in Jordanian banks Stakeholders depends on the current and reliable financial data in creating the DM (Decision Making) process including investors, regulators, and consumers and these advantages are essential. In Jordan banking sector, the application of FinTech has a positive impact on the FD as it was offered by the present study. For enhancing the financial reporting’s transparency and accountability, the significance of advancing technologies are focussed on this study.Finally, it also enhances the bank sector’s reliability and efficiency. Jordanian provides the perspectives in the FD field due to the uniqueness of this research and relatively little attention was offered to the FinTech.


Tracking the Factors Affecting Adoption of Cryptocurrency: Evidence from Jordanian Market Using the User Experience Questionnaire

March 2025

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8 Reads

Cryptocurrency adoption in Jordan poses unique challenges and opportunities in a market where awareness of cryptocurrencies may be limited. This paper examines the impact of the User Experience Questionnaire (UEQ) dimensions—perspicuity, efficiency, dependability, stimulation, and novelty—on promoting cryptocurrency adoption in the Jordanian context. The study uses structural equation modeling (SEM) to analyze the relationships between these dimensions and cryptocurrency adoption intentions. The results indicate positive relationships between user experience dimensions and adoption intentions, highlighting the importance of ease of use, efficiency, trust, engagement, and innovation in shaping users’ attitudes toward cryptocurrency adoption. The findings underscore the need for cryptocurrency platforms to provide superior user-centric user experiences and address concerns around usability, security, and innovation to boost their adoption in Jordan and similar markets. This study provides a new direction in the literature by analyzing the factors influencing cryptocurrency adoption in emerging economies and providing practical recommendations for those concerned with promoting cryptocurrency adoption at the global level.


Evaluation of Applying the PDCA Cycle on Medication Administration in the Emergency Departments

January 2025

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43 Reads

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48 Citations

Wa’ ed Mohammad Khalaf Bani Salameh

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Kamel Mohammad Al-hawajreh

This research investigates the impact of implementing the Plan-Do-Check-Act (PDCA) cycle as a quality improvement strategy in mitigating medication errors within the emergency departments. Data were gathered through a comprehensive analysis of medication error cases for 6 months, involving 15 emergency department nurses, collaborative meetings with healthcare stakeholders, and root cause analysis using tools like the Ishikawa (fishbone) model. The PDCA cycle was systematically applied to address identified issues in medication administration. The study reveals a significant reduction goal of 47% in medication errors within the emergency department over the next 6 months. The PDCA methodology demonstrates a positive impact on minimizing medication errors, enhancing patient safety, and fostering a more robust medication management system.


Bibliometric Insights into the Progression of Electronic Health Records
  • Chapter
  • Full-text available

January 2025

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88 Reads

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50 Citations

Electronic Health Records (EHR) are essential in modern healthcare, underpinning e-health initiatives. This study conducts a bibliometric analysis using VOSviewer software toanalyze data from the Scopus database. The examination of a vast array of 10,701 EHR-related documents from 1991 to 2023 aims to highlight the growth, current trends, and prospects for the future. This study observed a significant increase in EHR-related publications over the years, predominantly led by the United States, with substantial input from the United Kingdom, China, and India. In the Arab region, Saudi Arabia, Egypt, Jordan, the United Arab Emirates, Qatar, and Morocco are notable contributors, with institutions like King Saud University at the forefront of Arab academic research. Key terms such as EHR, machine learning, and blockchain dominate, indicating a focus on advanced technology in healthcare. The study also stresses the importance of addressing privacy, security, and patient safety in EHR research. This comprehensive examination is anticipated to make a significant impact on the field, providing a solid understanding of the role of EHR in healthcare and influencing future research and policymaking in this area.

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Impact of Flexible Work Arrangements on Team Collaboration: An Empirical Study in Airlines

January 2025

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36 Reads

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43 Citations

This research aims to empirically investigate the positive impact of flexible work arrangements on team collaboration within the context of the Jordanian Royal Airline. As organizations globally adapt to the evolving landscape of work, flexible work arrangements have emerged as a critical element influencing employee satisfaction and team dynamics. However, limited empirical evidence exists, particularly within the unique setting of the airline industry. This study addresses this gap by conducting a comprehensive examination of the relationship between FWAs and team collaboration in the specific context of Jordanian Royal Airlines. The outcomes of this research include the identification of key factors contributing to the positive impact of flexible work arrangements on team collaboration within the airline industry, with a focus on the unique cultural and organizational context of Jordanian Royal Airlines. Findings from this study provide practical insights for human resource professionals and organizational leaders seeking to optimize collaborative efforts through the strategic implementation of flexible work arrangements.


The Role of Perceived Trust in Embracing Artificial Intelligence Technologies: Insights from SMEs

January 2025

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188 Reads

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50 Citations

In a period where interest in Artificial Intelligence (AI) is rapidly increasing, there remains a notable research gap, especially in the context of AI adoption in Small and Medium Enterprises (SMEs). This study seeks to address this gap by investigating AI acceptance in Jordanian SMEs. Considering Jordan’s cultural environment of high uncertainty avoidance, the research focuses on the role of perceived trust on AI adoption. It utilizes the Stimulus-Organism-Response (S–O–R) framework in combination with the Technology Acceptance Model (TAM) to thoroughly examine these perceptions and their impact on acceptance factors. The study employs Structural Equation Modeling (SEM) to rigorously test its measurement and structural models. Its findings, which corroborate all proposed hypotheses, highlight the essential role of perceived trust in fostering a positive attitude towards AI among Jordanian SMEs.


The impact of blockchain technology on financial transparency: A study of SMEs in emerging economies

January 2025

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33 Reads

Uncertain Supply Chain Management

With the rapid advancement of blockchain technology, SMEs face an opportunity to leverage decentralized ledger systems to address longstanding challenges related to financial transparency. This study aims to assess the implications of blockchain adoption for SMEs operating in the Jordanian context, focusing on its potential to improve accountability, trust, and efficiency in financial operations. Drawing on quantitative research methods, this paper examines the current state of financial transparency using a structural equation modeling approach of 215 surveys. The findings indicated that there is a positive impact of block-chain technology on enhancing financial transparency. The findings of this research contribute to both academic understanding and practical implications for policymakers, regulators, and SMEs in Jordan seeking to enhance financial transparency through blockchain technology. By shedding light on the positive impact of blockchain on financial transparency in the Jordanian SME sector, this paper aims to inform strategic decision-making and stimulate further research in this emerging field. Ultimately, it underscores the transformative potential of block-chain technology in promoting accountability, trust, and eco-nomic development among SMEs in Jordan and beyond.


The association between CEO characteristics and financial performance: The role of governance quality

January 2025

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33 Reads

Journal of Project Management

This study analyses the association between CEO characteristics and financial performance as well as the role that a firm’s governance system may play in enhancing financial performance in the Jordanian context. To achieve this purpose, 2251 firm-year observations were collected from firms listed on the Amman Stock Exchange from 2009-2022. Overall, the results show that there is a positive and significant association between CEO tenure and firm performance. The results also show that the CEO compensation is positively linked with firm performance. However, CEO age and ownership are found to be insignificantly associated with firm performances. Regarding the moderating role of governance quality, the result shows a positive and highly significant impact on CEO tenure and CEO age. Otherwise, whether the quality of governance is high or low, it does not affect the CEO’s compensation and ownership. This study recommends firms listed on the Amman Stock Exchange changing their policy regarding CEO compensation by, for example, including stock options to enhance firm performances.


Empirical Analysis of the Link Between Financial Literacy and Personal Financial Decision of Gen Z

December 2024

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73 Reads

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1 Citation

The main objective of this research is to analyze the relations among the Jordan Gen Z individuals Personal Financial (PF) Decisions and the Financial Literacy (FL). It mainly emphasis in determining the way that the Personal (DM) Decision Making gets impacted by the Financial Literacy (FL) level. As it gets impacted in DM expenditure, investments and savings. Then, 487 Gen Z individuals with age varied form 18 to 24 were enrolled in the Jordanian institutions according to the survey outcomes. For the purpose of gathering information about their FL status, Financial Attitudes (FA), Finanial Behavior (FB), skills and knowledges. For obtaining the relations among FL and PF decisions, the SEM was applied for this analysis. Then the outcomes of this study shows that there is a positive correlation among Jordan GenZ individuals PF decisions and FL. Improved financial outcomes, FA and FB due to the FL’s greater level. Various suggestions arrives due to the outcomes of the analysis, schools and universities inclusive financial education programs were implemented. Digital platforms and social media are improved by FL, provision of easily accessible and cost- effective financial services provided to the young clients demands. Thus, the study utilizes SEM for analyzing such complex relations among PF decisions and FL. This research focuses on developing FL over the Jordan’s young individuals through the practical knowledge and Empirical Analaysis (EA) as it helps to fodter the individuals in making financial decisions and it is considered to be its main goal.


Social Media Presence and Stock Market Volatility: Investigating the Relationship Between Personality Characteristics and Investor Behavior of ASE

December 2024

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30 Reads

This research paper delves into the intricate dynamics between the personality characteristics of social media users and investor behaviour within the Athens Stock Exchange (ASE). In an era where information dissemination occurs at unprecedented speeds through platforms like Twitter, Reddit, and financial forums, the study aims to unravel the impact of personality characteristics on investor sentiment and subsequent stock market volatility. By incorporating the renowned Big Five personality characteristics, including openness, conscientiousness, extraversion, agreeableness, and neuroticism, the research examines how individual personality profiles shape investment decisions. The unique economic and cultural context of the ASE further enriches the investigation, offering insights into the region-specific nuances of investor behaviour. The study applied a quantitative analysis using structural equation modeling and concluded that all personality characteristics of the Big Five model had a positive impact on investor behaviour. The findings not only contribute to the academic discourse on investor behaviour but also offer practical implications for investors, financial institutions, and regulators operating within the Southeastern European market.


Citations (37)


... BA is an increasingly crucial discipline that combines data analysis, statistical methods, and the use of data-driven technologies to help businesses understand trends, improve strategies, and boost overall performance [32,[37][38][39][40][41][42][43][44][45][46]. This convergence facilitates real-time data analysis, predictive maintenance, and enhanced operational efficiency [47][48][49][50][51][52][53][54]. The benefits are manifold, including improved decisionmaking speed, reduced operational costs, and the ability to forecast trends and customer needs more accurately [55][56][57][58][59][60][61][62][63]. ...

Reference:

Transforming Industries with Data: A Bibliometric Perspective on Business Analytics Adoption
The Role of Perceived Trust in Embracing Artificial Intelligence Technologies: Insights from SMEs

... Organizations striving for operational excellence and continuous improvement have widely adopted methodologies like Six Sigma to enhance operations, boost efficiency, and reduce defects. Developed by Motorola in the 1980s and popularized by companies like General Electric, Six Sigma has become a key tool for quality management and process improvement [39][40][41][42][43][44][45][46]. It uses a disciplined, data-driven approach to minimize variability and defects in processes, products, and services, employing statistical methods and problem-solving techniques to pinpoint root causes and implement sustainable improvements. ...

Impact of Flexible Work Arrangements on Team Collaboration: An Empirical Study in Airlines
  • Citing Chapter
  • January 2025

... It uses a disciplined, data-driven approach to minimize variability and defects in processes, products, and services, employing statistical methods and problem-solving techniques to pinpoint root causes and implement sustainable improvements. Six Sigma aims for near-perfect performance, targeting a maximum of 3.4 defects per million opportunities [47][48][49][50][51][52][53][54][55]. The stages of Six Sigma, which include definition, measurement, analysis, improvement, and control, guide participants from problem definition to solution implementation and ongoing process adjustment [56]. ...

Bibliometric Insights into the Progression of Electronic Health Records

... It uses a disciplined, data-driven approach to minimize variability and defects in processes, products, and services, employing statistical methods and problem-solving techniques to pinpoint root causes and implement sustainable improvements. Six Sigma aims for near-perfect performance, targeting a maximum of 3.4 defects per million opportunities [47][48][49][50][51][52][53][54][55]. The stages of Six Sigma, which include definition, measurement, analysis, improvement, and control, guide participants from problem definition to solution implementation and ongoing process adjustment [56]. ...

Evaluation of Applying the PDCA Cycle on Medication Administration in the Emergency Departments
  • Citing Chapter
  • January 2025

... Research Instrument (Questionnaire) To measure financial literacy, a questionnaire is the main instrument used. This questionnaire contains a series of questions designed to evaluate Gen Z's understanding and skills in financial aspects (Azzam, 2024). ...

Empirical Analysis of the Link Between Financial Literacy and Personal Financial Decision of Gen Z
  • Citing Chapter
  • December 2024

... Online marketing is the process of using various techniques (activities) on the Internet to promote products and establish long-term relationships with customers [14]. This method allows digital platforms to reach a wider audience for one business at a time, but is simultaneously personal. ...

The Role of Big Data Analytics Capabilities in Risk Management: An Empirical Investigation of Insurance Companies in Jordan Using Structural Model

... The Jordan Customs Department (JCD), a key government agency, faces challenges in adapting to evolving demands. There is a critical need to examine how Six Sigma implementation affects organizational agility within JCD [60][61][62][63][64][65][66][67]. Although Six Sigma is recognized for improving processes and quality management, its impact on organizational agility, especially in government settings like the JCD, is less explored. ...

The Adoption of RegTech in Enhancing Tax Compliance: Evidence from Telecommunication Companies in Jordan
  • Citing Chapter
  • August 2024

... This comes as a result of the differences in theories, approaches, philosophies, as well as interests, but there is an unclear agreement that leads to expressing strategic performance in a manner that Organizations represent the ability to achieve their organizational goals effectively [75]. Also, despite this agreement, the methodological and procedural framework of the concept is still unclear, as the goals and objectives differ according to the strategic orientations of the organizations, as well as the visions and the dynamic environment in which the organizations operate [76]. Strategic performance does not only represent the financial performance of organizations, but rather has a broader and more comprehensive perspective that deals with non-financial indicators, as it includes: Operational performance of activities: which is based on a set of operational performance measures through market share, provision of services and products, in addition to attention to indicators and metrics related to customers (the public), creativity, and improving production processes [77]. ...

Industry 4.0 Era: The Role of Robotic Process Automation in Internal Auditing Quality of Banking Sector in Jordan
  • Citing Chapter
  • June 2024

... In that way, FinTech can become a powerful source of financial citizenship by providing options with innovative tools that enhance the ability to access financial services and information. For instance, through aspects like mobile banking and digital wallets, FinTech is facilitating people's ability to access banking services, allowing people to engage in their finances (Anagreh, 2024). Thus, FinTech could lead to increasing financial inclusion and allowing people to navigate financial products and make informed choices (Nanda & Yunus, 2024). ...

Mobile Payment and Digital Financial Inclusion: A Study in Jordanian Banking Sector Using Unified Theory of Acceptance and Use of Technology

... Clarity of vision refers to the awareness of all employees in the company of its goals and their commitment to them when dealing with external changes and the goals that the company seeks to achieve and which are included in the company's vision [69]. Core capabilities are defined as the skills and capabilities that constitute the core or center of a particular field [70]. ...

Impact of Sustainability Disclosure on Investment Decision-Making: Evidence from Emerging Economies