This study aims to examine the factors affecting Jordanian Islamic banks’ customers’ adoption of electronic banks. The study relied on quantitative methods, where the study designed a questionnaire based on the Technology Acceptance Model (TAM) which derived from the Theory of Reasoned Action (TRA). The study sample consisted of 470 respondents. The study applied the Partial Least Squares Structural Equation Modeling (PLS-SEM), where the results of the Chi-square test and the standardized root mean square residual (SRMR) test showed the validity of the model for analysis. The results showed that usefulness, privacy, and awareness affect the adoption of e-banking, and that ease to use and electronic skills affect the adoption of e-banking through usefulness. The results also show that Infrastructure does not affect the adoption of e-banking, and Convenience does not affect the adoption of e-banking through Intention to use e-banking. The study advises Islamic banks to spread awareness about the importance of electronic banking and design easy-to-use electronic services that enjoy privacy and security.

Credit risk affects the work and reputation of banks. Islamic banks' heavy reliance on debt financing has led to increased interest in credit risk and its management. This paper aimed to identify the bank-specific factors affecting credit risk in Islamic banks, expressed as Non-Performing Finance NPF in the Middle East for the period 2011-2022. The study was based on a panel data analysis of 30 Islamic banks. The findings of study show a significant negative impact of Return On Assets ROA, Capital Adequacy Ratio CAR and size Z on the credit risk. The findings show a significant positive impact of Finance Loss Provision FLP on the credit risk. The findings also show no impact of Finance Expansion FEX, Finance to Deposit Ratio FDR and Capital Ratio CPR on the credit risk. The study showed that increasing the provision for financing losses and capital adequacy helps banks to reduce the impact of credit risks. The study recommends applying cautious lending policies and carefully selecting clients.