The aim of this study was to examine and determine the impact of electronic banking services on the use of technology by customers of conventional and Islamic banks in Jordan. For the current study, a random sample of 580 customers in Jordanian conventional and Islamic banks was selected using the quantitative research methodology, and in order to gather the necessary data, the study employed a survey questionnaire instrument that was developed based on the earlier relevant literature and studies. The results of this study showed that perceived ease of use (PEU), perceived utility (PU), simplicity of use (SU), and social influence (SI) all significantly affected the use of technology in Jordanian conventional and Islamic banks.

In online shopping enterprises, AI technology has been widely used to provide accurate and fast personalized consumer services. This research demonstrates the use of AI technology in the e-commerce business, specifically online enterprises, to determine different effects. The study was conducted in Jordan and involved about 230 participants. The study evaluated different impacts of AI, such as e-payment and stimulating consumers' sentiments. The study used the Stimulus–Organism–Response model (SOR) empirical model, which states that the examination of human processes differs from that of the machine assessment. The model classified the AI technology experienced by the customers' when they visit online to do purchasing. Online purchasing behaviors can be influenced by insight, accuracy, and interaction experience. Also, the perceived value was used as a mediating variable from the prospects of perceived hedonic and utility value. The research integrated empirical research models such as SEM and SPSS to analyze the data on the effects of three-dimension. The results indicated that the AI technology accuracy, interactive experience, and insight significantly affected customers' perceived hedonic and utilitarian values.