Salma S. Abed’s research while affiliated with King Abdulaziz University and other places

The aim of this study is to examine the factors that drive Saudi Arabian Generation Z’s intention to use voice assistants (VAs) in banking. The Technology Acceptance Model (TAM) was extended by incorporating three additional constructs: subjective norms, which capture the social influence of close relationships, including family and friends; personal innovativeness, which reflects the openness to new technologies that is characteristic of Generation Z; and perceived trust, which addresses concerns related to security and reliability that are critical in financial contexts, thereby enhancing our understanding of this phenomenon among Generation Z. A survey of 292 Generation Z respondents was collected and structural equation modeling (SEM) was employed for data analysis. The findings of the study reveal that factors such as perceived usefulness, attitude, subjective norms, personal innovativeness, and perceived trust all have a significantly positive impact on Generation Z’s intention to use AI-enabled VAs in banking. Additionally, the results indicate that perceived usefulness is influenced by ease of use, while attitude is affected by ease of use, perceived usefulness, personal innovativeness, and trust. Despite the Saudi government’s support and initiatives for the development of the AI-fintech industry, there is still a lack of understanding about consumer behavioral intention toward AI-enabled VAs in Saudi Arabia and, particularly among Generation Z. This study contributes to the existing literature and provides valuable recommendations for policymakers and fintech service providers seeking to implement effective AI-enabled VAs that enrich consumers’ engagement and experience.

Sustainable development has emerged as a paramount priority globally, with the fintech services playing a crucial role in achieving these goals. Although previous research has explored consumer perceptions of novel fintech services, including Buy Now Pay Later (BNPL) applications, there remains a knowledge gap regarding the factors influencing adoption among young consumers. This study addresses this limitation by investigating the determinants of BNPL app usage among Saudi Arabian Generation Z consumers, integrating the Unified Theory of Acceptance and Use of Technology and DeLone and McLean’s Information Systems Success model. A survey of 380 BNPL app consumers from Generation Z was conducted, and their responses were analyzed using structural equation modeling. The findings reveal that performance expectancy, effort expectancy, and social influence positively impact the intention to continue using BNPL apps. Furthermore, system quality, service quality, and information quality exhibit significant correlations with satisfaction within the IS Success model. The study’s outcomes are expected to inform app developers in designing effective apps that engage digital-native consumers and provide policymakers with insights to enhance fintech services. This research contributes significantly to the existing body of knowledge on fintech adoption, intentions, and satisfaction.

Purpose The purpose of this paper is to examine the factors that influence Saudi Arabian users’ intentions to continue using fintech payment applications and their satisfaction with these applications. Design/methodology/approach The unified theory of acceptance and use of technology 2 and DeLone and McLean’s IS success model were integrated to provide a comprehensive framework. A questionnaire was distributed to 401 users of fintech payment applications, and the data collected was analysed using structural equation modelling to test the hypotheses. Findings The results reveal that factors such as social influence, price value and habit have a positive influence on the continued desire to use fintech payment applications, that the performance expectancy is positively influenced by the level of effort expectancy. Additionally, the quality of the system, service and information provided by the applications has a direct association with user satisfaction, as indicated by the IS Success Model. Moreover, it was observed that customer satisfaction with fintech payment applications positively affects their intention to continue using them. Originality/value This study addresses an important gap in the existing literature by examining the factors influencing Saudi Arabian consumers’ intentions to sustain the usage of fintech payment applications. Despite governmental support for the industry, understanding consumer behaviour and satisfaction with these applications remains limited, making this research timely and valuable.

The Saudi Tourist Authority is boosting its investment in the tourist sector to help achieve its 2030 Vision. Furthermore, the Saudi Data and Artificial Intelligence Authority (SDAIA) was established to direct the national agenda and propel the Kingdom to the forefront of data-driven economies. As a result, Saudi Arabia has employed AI to make tourism more enticing and accessible while also increasing revenue and diversity. Saudi Arabia is also considered a ’youth’ country, with 36.7% of its population being under the age of 30. This, in turn, led the current study to investigate Generation Z behavioral intentions and usage of artificial intelligence (AI) in online tourism services in Saudi Arabia. The study used the technology acceptance model (TAM) and DeLone and McLean’s Information Systems Success (D&M ISS) Model as theoretical foundations to collect data from a survey of 430 Saudi Arabian Generation Z customers. The proposed model and hypotheses were examined using structural equation modeling (SEM). Perceived usefulness and perceived ease of use had a substantial impact on attitudes regarding behavioral intention and usage behavior. Furthermore, within the IS Success Model, the study’s findings revealed that system quality, service quality, and information quality influence user perceived usefulness and ease of use. This study enriches the literature on Generation Z consumers’ behavioral intention and usage behavior to use AI in online tourism services, a topic that requires additional investigation. In addition, this study broadens the TAM’s theoretical potential by incorporating DeLone and McLean’s Information Systems Success Model, which examines AI in Saudi Arabian internet tourism.

The Internet of Things (IoT) is an international context that is in the process of massive development. The IoT has initiated new opportunities in the technological context and is one of the most central technological initiatives today. This study conducted a systematic review of the related literature examining theory-based empirical research on IoT adoption by consumers. Forty-three studies were identified between 2011 and 2023 in 20 different countries, mostly Malaysia, Turkey and India. The studies have mostly examined IoT adoption in smart homes, IoT adoption in the retail service industry (consumer shopping), and IoT adoption in healthcare and fitness wearable devices. The main theory that was used to examine the consumer adoption of IoT was the Technology Acceptance Model (TAM). The most examined constructs that were found to be significant in relation to behavioural intention were perceived usefulness, perceived ease of use, and trust. This research provides theoretical implementations for future researchers who are interested in examining the IoT adoption of consumers in different countries and different technological contexts.

This research has undertaken a systematic literature review (SLR) of articles focusing on the acceptance of fintech payment services by identifying 84 peer-reviewed articles published in international scientific journals from 2015 to April 2023. This paper uses the Scientific Procedures and Rationales for Systematic Literature Reviews (SPAR-4-SLR) protocol to gather relevant articles and the theory, context, constructs, and methodology (TCCM) framework to analyse them. The conducted SLR has several findings. First, the Technology Acceptance Model (TAM) is the main theory used to examine consumers’ acceptance of fintech payment services. Second, studies in this area have been conducted in 24 countries, with a focus on Indonesia, Malaysia, and China. The study themes identified include fintech payment apps, Buy Now Pay Later (BNPL), mobile payment, fintech services, e-wallet, and Islamic Fintech. Third, the perceived usefulness, trust, perceived ease of use, and attitude are the four main constructs found to have a significant association with behavioural intention. Finally, most studies (64) rely on quantitative methods, particularly questionnaires. Based on the findings, this study identifies research gaps and provides a future research agenda. The review also has practical implications for policymakers and corporations in developing strategies and policies promoting the acceptance of fintech payment services. Limitations include B2C focus, exclusion of B2B behavior, lack of targeting specific user demographics, and reliance on secondary data. These present opportunities for further research.

The growing usage of chatbots in the service industry indicates the ongoing transformation occurring in this sector. However, minimal research has (i) investigated the important attributes related to chatbot-based service continuance intention and social self-efficacy. This study proposed an extended meta-UTAUT framework to investigate the gaps by including perceived intelligence and anthropomorphism (system factors) in the model. The model is analysed using structural equation modelling with 420 respondents. The study results indicated that perceived intelligence and anthropomorphism are more related to building attitude and continuing intention of using chatbot-based services than traditional meta-UTAUT constructs. Furthermore, the model results demonstrated that system factors are negatively associated with continuation intention when interactive with social self-efficacy. The study results extend the theoretical knowledge available in meta-UTAUT, technology-based services, and social cognitive theory. In addition to the academic contribution achieved, the study results develop insights into service practices for IT managers.

Purpose The purpose of this paper is to identify and examine the important factors that could affect consumers' behavioural intention and use behaviour towards mobile payment services during COVID-19. Design/methodology/approach The proposed model extends meta-Unified Theory of Acceptance and Use of Technology (meta-UTAUT) model with perceived severity and self-efficacy factors affecting consumers' behavioural intention and use behaviour towards mobile payment services. A convenient sampling technique has been utilized to gather data from a self-administered questionnaire. The data collection was restricted to the online mode to avoid any physical contact considering the COVID-19 situation. Findings The findings revealed that performance expectancy, effort expectancy and perceived severity have a significant positive impact on consumers' attitude; facilitating conditions has a significant positive impact on effort expectancy; self-efficacy has a significant positive impact on effort expectancy; attitude has a significant positive impact on behavioural intention; and behavioural intention has a significant positive impact on use behaviour. Social influence did not confirm any significant relationship. Research limitations/implications The current research study has utilized a non-probability convenient sampling technique to gather data through a self-administered questionnaire. The data collection was restricted to the online mode to avoid any physical contact considering the COVID-19 situation. The respondents were adopters of mobile payment services. The scope of the study is the COVID-19 context or related chronic diseases context where major preventive mechanisms such as social distancing and avoidance of physical contacts are vital. Originality/value This study has extended the meta-UTAUT model with the COVID-19 context-specific constructs and relationships. The undertaken work has strengthened the explanability of the model. The inclusion of context relevant variables such as perceived severity and self-efficacy and their association with the existing meta-UTAUT framework have enriched the context of the study. The current study offers a holistic understanding of significant factors influencing Indian consumers’ adoption of mobile payment services in the COVID-19 context.

This study examines the intellectual and conceptual structure of the Journal of Computer Information Systems (JCIS) from 1995 to 2021. The evolution of the key topics and the performance of different actors like the key publications, authors, institutions, countries, etc., are reported using a hybrid methodology based upon scientometrics and topic modeling. The latent topics are discovered using structural topic models, and the temporal deviation in the topic prevalences from 1995 to 2021 is visualized. Further, this study reports the most prominent articles, themes, and collaboration patterns using co-citation network analysis, assessment of keywords co-occurrences, and exploration of coauthorship patterns. Finally, the disciplinary influences and knowledge exchange across disciplines are reported. The most significant findings from the study reveal that themes such as “Information Security and Privacy,” “Social Commerce and Social Networking Sites,” “Social Media, Web Search and User Satisfaction,” “Big Data Analytics and Cloud Computing, and “ICT for Economic Development and Empowerment” may become the hotspot for future research. The social exchange of knowledge reveals intra-disciplinarity, where JCIS gets most of the knowledge from the information systems domain itself. However, closest associations with the general business domain, computer science, marketing, organization science, and psychology for knowledge inflows make JCIS a net knowledge receiver. © 2022 International Association for Computer Information Systems.

Business sustainability is a major goal for every entrepreneur, especially women entrepreneurs. The term “business sustainability” refers to efforts that help a company’s long-term growth and competitive edge over its competitors. This study sought to empirically examine the adoption of mobile applications by women entrepreneurs as a means of business sustainability. Using the UTAUT as a theoretical model, this research examined this model and its associated hypotheses by applying structural equation modelling. The survey results from 330 women entrepreneurs in Saudi Arabia show that social influence, followed by effort expectancy, has the most significant influence on the behavioural intention to use mobile applications. On the other hand, facilitating conditions were found to be an insignificant predictor of the behavioural intention of women entrepreneurs in Saudi Arabia to use mobile applications.