Fintech, characterized by the intersection of finance and technology, has globally transformed the financial landscape, reshaping traditional banking models as its innovations continue to unfold. The current study seeks to provide a comprehensive examination of the impact of fintech on the financial performance of Saudi banks. Nine Saudi national banks were investigated. The data were gathered from the annual reports from 2017 to 2022. The study followed multiple regression to test the relationship between factors. The study found that there was no notable impact of FinTech tools, such as Banking messages, Internet banking, Mobile applications, and Digital transfers, on return on assets (ROA) and return on equities (ROE) when looking at each tool individually. Nevertheless, when considering all these tools collectively, there is a considerable influence of 93.2% on ROA, and 84.2%, on ROE.

The study aims at exploring the effect of artificial intelligence as measured by machine learning capability and expert systems capability on patient satisfaction. As informant participants, medical staff workers in healthcare institutions in KSA comprise the population of the study. Hence, a sample consisting of 300 participants was used to gather research data via a questionnaire developed based on previous works. By means of Smart PLS 3.0 software, the results indicate that both machine learning and expert systems have significant effects on patient satisfaction. The study concluded that artificial intelligence capability is a cornerstone of patient satisfaction. such a statement encompasses theoretical and empirical implications as stated at the end of this study.

This study employed quantitative methods to evaluate the influence of adaptive learning technology on the cognitive flexibility of students with special needs. Participants were recruited from special education schools using a purposive selection strategy. The Wisconsin Card Sorting Test (WCST) was utilized as a tool to assess cognitive flexibility. The data was analyzed using descriptive statistics, paired-samples t-test, correlation analysis, and regression analyses. The findings demonstrated a notable enhancement in WCST scores after the intervention, suggesting that adaptive learning technologies have a beneficial effect on cognitive flexibility. Regression studies revealed that various types of adaptive learning technologies had varied levels of efficacy, with Tech A showing the most significant beneficial impact. Surprisingly, demographic factors such as age, gender, and educational attainment demonstrated little and statistically insignificant associations with alterations in cognitive flexibility levels. The findings emphasize the potential of adaptive learning technologies as effective therapies for improving cognitive flexibility in kids with special needs. It underscores the significance of evaluating specific characteristics and design principles to maximize their efficacy.

The Covid-19 pandemic which has spread across all countries, including Saudi Arabia, has caused the government to create limited curfew policies in the country that affected the economy. This policy has given rise to a new trend in society, namely the habit of shopping online. The trend of purchasing online via e-commerce increases. However, people's opinions and attitudes towards this trend vary. Therefore, this research was conducted with the aim of determining the subjectivity of public opinion or sentiment on the e-commerce activities using probability and statistical approaches, i.e.: the Naïve Bayes (NB) and Support Vector Machine (SVM) classifiers. Three experimental scenarios of dataset splitting for training and testing; 90%:10%; 80%:20%; and 70%:30%. The comparison of accuracy values was carried out using an automatic labeling method. Experimental results show that the 70%:30% split scenario provides the best result, with 89% of accuracy, 99.7% of Precision, 88% of Recall and 93.5% of F1-score for the SVM classifier.

The primary objective of this research was to find out how using augmented reality technology in the Abha Governorate affected children with learning disabilities' ability to think creatively. A cohort of students associated with educational establishments in the Governorate of Abha was the subject of a study. The study was given a month's duration. The study involved thirty students in all, fifteen of whom were each from the experimental and control groups. The experimental group did better on post-tests assessing initial imagination, perceptive imagination, and transformative imagination than the control group, indicating a significant improvement in the study's results. There was no statistically significant difference between the experimental group and the control group's scores on imaginative thinking during the follow-up evaluation or in the immediate post-intervention period.

Mobile Applications offer a new style to service sectors, for instance, in higher education, mobile applications are utilized to provide access to academic resources and academic services. Despite the wealth of mobile applications, they encounter various challenges that have attracted the interest of academia and software developers. The usability issues of mobile applications may cause performance degradation, resulting in the company's loss in terms of cost. This study aims to investigate the usability of the Prince Sattam bin Abdulaziz University (PSAU) mobile application by adopting data mining as a descriptive and predictive process. The first step was gathering data of the usability of the PSAU mobile application using the system usability scale. Afterwards, data was preprocessed into a suitable format to apply data mining methods. Specifically, the explanatory model has been employed to describe and investigate insights related to the usability factors and features of the PSAU mobile application. Furthermore, this study adopted the Four Clustering methods to segment the usability levels of the PSAU mobile application into homogenous groups based on user behavior. Additionally, the predictive model was used to build models for predicting the usability level and Grade and five classification algorithms were employed to predict the usability level and Grade. Most algorithms have given positive results in all performance indicators, where the accuracy rate achieved is 98% to 95% for most methods. The results revealed that the PSAU mobile application has an acceptable usability level, and the data mining methods helped to discover hidden patterns. Furthermore, the findings will help the developers and policymakers understand users' and stakeholders' behavior to find the most common usability problems for each group, and customize the PSAU mobile application.

In India, higher education institutions (HEIs) are realizing the value of green interaction, which includes using social media (S.M.) in an environmentally responsible manner. However, there needs to be more consistency on the adoption's present status, the particular tactics used, and the advantages that follow. The current research investigates the various aspects of sustainable communication and its benefits in HEIs throughout India. Through a questionnaire approach, the research enrolled learners across India. The study model's conceptual structure was validated, and its assumptions were proven through the implementation of a quantitative survey. The number of accepted samples was calculated using a conceptual model, and data analysis was performed using the structural equation model (SEM). There were 500 respondents in the study, ranging in age and academic degree and from different institutions of higher learning. The age range of 280 women and 220 men was 80% between 19 and 28. Respondents employed prominent S.M. sites (Twitter, LinkedIn, and Facebook) with purpose and had robust computer abilities. The results demonstrated that inspiration for employing S.M., S.M. characteristics, and information exchange had a favorable impact on students' opinions of user-friendliness and the benefits of digital learning platforms, raising their adoption of them. The research strategy in this investigation delivers suggestions for additional exploration into how HEIs in India may maximize the advantages and utilization of digital learning systems and can be an efficient structure for similar study ventures.

The aim of this study was to evaluate the impact of social media, big data, and data mining on the development of organizational behavior within the telecommunications industry in Jordan. The main objective of this study was to investigate the effects of technological components on the alteration of organizational behavior in the communications sector of Jordan. To accomplish this objective, a thorough empirical investigation was undertaken, encompassing the collecting of data from key stakeholders within the telecommunications sector in Jordan. A sample size of 412 participants, encompassing people from diverse roles within the communications sector, was chosen for the purpose of this study. The participants' replies and perspectives were gathered via the administration of surveys and conducting interviews, resulting in a comprehensive data set suitable for analysis. This study investigated the intricate relationship between the utilization of social media, the application of big data analytics, and the implementation of data mining techniques in influencing the dynamics of organizational behavior. The study's results underscored the substantial impact that social media platforms have on communication patterns and collaboration within telecommunication firms. Furthermore, the utilization of big data analysis has emerged as a significant catalyst for the enhancement of informed decision-making processes, exerting influence on diverse facets of organizational behavior, including strategic planning, employee engagement, and customer interactions. Data mining techniques have been identified as having a crucial function in extracting significant patterns and trends from extensive datasets, hence helping to the improvement of organizational learning and adaptation. The research findings indicated that the incorporation of social media, big data, and data mining technologies had a beneficial effect on the development of organizational behavior within the telecommunications industry in Jordan. The findings underscore the importance for enterprises to proactively utilize these technologies to cultivate a work environment that is characterized by increased agility, responsiveness, and collaboration. This study provides significant contributions to the subject of organizational behavior by examining the impact of social media, big data, and data mining within the specific context of the telecommunication sector in Jordan. The research sheds light on the transformative consequences of these technological advancements. The consequences of these findings have broad relevance for organizational leaders, politicians, and researchers, serving as a basis for further investigations in the dynamic realm of technology-driven organizational behavior.

The present research endeavours to explore the efficacy of gamified pedagogy in the realm of early childhood education within the context of Jordan, while simultaneously examining its intricate relationship with parental engagement. The examination of data uncovers a discernibly elevated degree of student involvement in the realm of gamified education, thereby suggesting the effectiveness of employing gamified methodologies in captivating the attention and interest of youthful scholars. Moreover, the presence of a moderate degree of parental involvement implies the possibility of proactive parental participation in the scholastic odyssey. The empirical evidence consistently demonstrates a robust and affirmative association between parental involvement and student engagement, underscoring the crucial and influential position that parents occupy in augmenting student motivation and active involvement in gamified educational endeavors. The present study serves as a valuable contribution towards enhancing our comprehension of the intricate relationship between gamified education and parental involvement. Its findings hold significant implications for educators, policymakers, and parents alike, as they strive to maximize the effectiveness of early childhood education.

The increasing phenomenon of the shadow economy is progressing dramatically in the absence of State culture among officials, whether legislators or implementers, in the absence or ineffectiveness of an organized production sector. Non-compliance with tax accounting procedures is one of the first problems generated by the shadow economy and most difficult not to include it in national output. The lack of tax commitment in the shadow economy leads to an annual tax gap of billions of dollars, if there is no logical interest on the part of the taxing bodies in developing countries, and if domestic and international tax provisions and legislation are not amended to consider of these important economic developments, and how to keep up with this. The issue of the shadow economy is thorny, and the practical way to raise the revenue needed to finance government spending on the goods and services required by society lies in the local and international tax treatment at the technical and legislative levels. Consequently, the current tax systems and their related regulations must be prepared, whether at the technical or legislative level, especially in light of the flow rate of oil barrels and the alternative if it comes into force. The taxation processes allow time to study the tax accounting and tax and take what suits the Saudi environment from them - lessons for the Kingdom of Saudi Arabia, Critical terms for research/shadow economy, tax regulations and systems, tax gab, tax accounting.