The study looks into the intersection of Artificial Intelligence (AI) with the Internet of Things (IoT), especially the legal, regulatory, and cybersecurity integration challenges within the context of UAE and Jordan's financial sectors. The objective of the study was to assess the relative impact of the cybersecurity challenges, legal infrastructures, and e-governance maturity on the cyber threats and trust of clientele. The study utilized a quantitative research design, gathering data through a survey distributed to employees and managers within a number of financial institutions. With a data sample of 400 employees, the survey data were analyzed through a variety of methods, such as descriptive statistics, reliability, Pearson correlations, and Structural Equation Modelling (SEM). The study established that the risks posed by inadequate cybersecurity infrastructures substantially increase the threats. Also, the risks posed by inadequate legal regulations and low e-governance maturity do not appear to increase the challenges. Legal adequacy positively impacts trust. Exposure to cyber threats with unmitigated risks and poor legal regulations and low e-governance maturity do not appear to increase the challenges. The study relies on the trust of cyber clientele to validate and uphold the proposed theoretical framework suggesting the need for an integrated approach consisting of high-quality legal regulations, comprehensive governance, and secure advanced cybersecurity to ensure the safe merging of AI and IoT. In addition, the study sheds light on the perspectives of policymakers, regulators, and financial institutions aiming to build safe and reliable digital financial systems in the UAE and Jordan.

This study focuses on the factors of financial supply chain (FSC), financial institutions, and inventory for supply chain efficiency through various cost dimensions. To address this objective, a questionnaire is developed, based on various items of selected variables and it is presented to a targeted sample of supply chain practitioners, business managers and industry experts. A final sample of 216 respondents is observed for both descriptive and inferential analysis. To check the significance of each indicator under FSC, financial institutions and inventory factors, confirmatory factor analysis is conducted. Empirical facts explain that factors like financial supply chain as risk prevention strategy had a significant influence on supply chain efficiency. Through inventory factors, communication with vendors for raw material also indicate a significant impact on efficiency of Supply Chain (SC). This study would help both industry experts and business managers integrate financial supply chain, inventory factors and financial institutions for cost efficiency of supply chain. The limitations of the study includes a limited sample size and restricted indicators of inventory management. Future studies can be implemented while addressing these limitations through improved econometric methods.