In recent years, fintech has received much attention due to the introduction of new technologies in banking and electronic payment. For financial service providers to compete in the industries, they should apply the business model as a conceptual framework to improve performance. The current research is exploratory and tries to identify the factors influencing fintech design in electronic payment using the Osterwalder business model. This study aims to integrate three methods named DEMATEL, ISM, and ANP from MCDM techniques. To analyze the identified factors affecting the design of fintech in electronic payment, the indicators were examined in terms of influence and effectiveness by the DEMATEL method, then the levels of influence and effectiveness of the factors were investigated using the interpretive structural modeling method. Finally, the network analysis method was used to prioritize the factors. The findings showed that recognizing and identifying electronic payment customers is the most effective among the factors, and determining the type of relationship with customers is the most impressionable factor. In addition, after ranking the factors, the type of relationship with customers was the first rank, and the criteria of the company's cost structure and revenue streams were determined as the second and third, respectively.

Social media is remarkably growing and shaping not only the lives of individuals but also the business domain by creating new paradigms of business. This study examines the interplay among some selected predicting organizational variables and the use of what are called Social Media Business Models (SMBMs). Furthermore, the study investigates the mediating role of e-readiness on the relationships among these organizational factors and the use of SMBMs. The study is a quantitative, descriptive and analytical study. Using a self-administered survey, primary data were collected from 150 employees from the Jordanian SMEs. Smart PLS 3 software was employed to validate the proposed study model using a Structural Equation Modelling (SEM). The findings confirmed that compatibility, innovativeness, cultural and management support, and e-readiness have a statistically significant direct impact on the use of SMBMs. Finally, the study confirms that e-readiness mediates the relationship between compatibility and innovativeness as predicting variables and the use of SMBMs.

The objective of this study was to analyze and determine the impact of digital transformation on the individual job performance of insurance companies in Peru. The deductive inferential scientific method of explanatory level was used, with a non-experimental design, to four insurance companies that operate in the regions of Arequipa, Cusco, Iquitos, Lima, Tacna and Trujillo. The results generated by structural equations show that customer service experience (CSE), based on digital transformation, had a positive impact on task performance (p ≤ 0.05) and contextual performance (p ≤ 0.05); in contrast, the customer service experience (CSE), based on digital transformation, was found to have no impact on counterproductive behavior (p≥ 0.05). In relation to the collaborator's capabilities (CC) based on digital transformation, the results reveal that it had a significant influence on task performance (p ≤0.05) and contextual performance (p ≤ 0.05), while it did not have any impact on counterproductive behavior (p ≥ 0.05). Likewise, processes based on digital transformation (P) significantly influence task performance (p ≤ 0.05) and contextual performance (p ≤ 0.05), unlike counter-productive behavior that did not present a causal link with the processes (p> 0.05). Finally, the business model based on digital transformation (BM) had no implications for task performance (p> 0.05), contextual performance (p> 0.05) and counterproductive behaviors (p> 0.05). The conclusion of the study indicates that the customer service experience, the collaborator's capabilities and processes based on digital transformation contribute to the performance and contextual performance of the workers of the insurance companies in Peru.