This study investigates the impact of introducing financial technology (Fintech) on increasing the financial viability of small and medium enterprises (SMEs) operating in the IT sector in the United Arab Emirates (UAE). By identifying the obstacles that SMEs experience while dealing digital transformation, this study aims to show how the emerging financial technologies, including digital banking, peer-to-peer lending, and AI applications, can drive enhancements in financial utilization and the innovation of banking products, cost-cuts, increased organizational productivity, and better client experiences. A quantitative research approach was implemented, and the research tool used was a structured questionnaire developed to capture respondents’ data from 250 respondents from SMEs in the UAE. Descriptive and inferential statistics of correlation and regression analysis were done using the stratified random sampling technique. Results indicated that fintech adoption enhances financial performance in SMEs. Specifically, increased accessibility shows a strong positive correlation with financial performance (r = 0.998, p < 0.01), while enhanced efficiency and improved customer experience also show strong correlations (r = 0.635, p < 0.01). The variable "Increased Accessibility" showed the most significant effect on the financial performance of SMEs, with a highly significant positive correlation and the strongest predictive value in the regression analysis. This study concludes that the implementation of fintech solutions offers significant opportunities for improving the financial performance of SMEs and recommends increased investment in fintech and appropriate regulation for that purpose.

This research focuses on the moderating effect of culture on the relationships between KMS and other variables affecting KMS in the service industry. The effects of a number of variables on KMS were examined via analysis and hypothesis testing. These variables included culture; people; process; strategy; and technology. The results show that culture and people have a substantial impact on KMS's performance, emphasizing the need of cultivating a supportive company culture and empowering employees. Furthermore, strategy and technology were shown to be critical in allowing effective knowledge management practices in the service industry. The research also investigates the moderating impacts of culture on these linkages, demonstrating that culture modulates the impact of process, technology, and strategy on KMS. However, it was shown that the interplay between culture and people did not substantially alter the link between people and KMS. These results provide useful insights for firms looking to improve their knowledge management methods, underlining the need to take culture into account and aligning it with strategic goals and technology solutions. While the study adds to our understanding of knowledge management in the service industry, further research is needed to investigate other elements and situations. Overall, this research has practical significance for firms looking to enhance their knowledge management activities and overall organizational performance.

This paper examines the impact of cyber resilience and supply chain (SC) robustness on supply chain performance in the UAE chemical industry. No prevailing empirical evidence makes this research unique and beneficial to the literature and future research related to cyber resilience in the chemical industry. Moreover, this research is a contemporary contribution to the research of the UAE chemical industry. The study applies a quantitative approach with causal, exploratory and analytical design. The magnitude of the industry is emphasized by choosing cluster sampling techniques. Data is collected from chemical manufacturing companies located in Abu Dhabi, UAE. A valid sample of 303 participants is used for data analysis. A positive direct impact with a significant level of cyber resilience and SC robustness on supply chain performance is found. Current hypothetical model assessment in one industry limits the research findings. It is recommended that other industries be investigated through longitudinal research. A system of diverse detection and defense mechanisms is required. For the chemical industry, an effective cyber security plan would strengthen resilience against cyberattacks and improve SC performance.

The purpose of this paper is to empirically examine a theoretical model which identifies the effect of process quality improvement and lean practices on competitive performance in the healthcare industry in the United Arab Emirates (UAE). The study uses a quantitative research technique with convenient cluster sampling through applying a descriptive, causal and analytical research design. A valid sample size of 270 respondents is used for analysis by linear regression and hypothesis testing using SPSS. The results indicate a direct significant relationship between process quality improvement and a direct significant relationship between lean practices and competitive performance. Given the substantial resources spent and efforts to improve healthcare quality, the absence of studies demonstrating the impact of quality-related operations and activities would require future research. Hospitals in one city in UAE have access that limits the research results. It is recommended that future research assess more variables dependency on the healthcare sector that can affect increase competitiveness. The research provides some managerial implications that could help hospital managerial members improve their healthcare delivery system's leanness and quality improvement to get competitiveness. Quality improvement and lean practices help increase competitive performance and can assist the healthcare sector in providing better service using these practices that have never been considered in research.

This research aims to account for the cost of quality through lean and agile operations strategies with empirical evidence from the Aviation industry in the UAE. The cost of quality improvement through lean and agile strategies was not researched enough in the aviation industry. This research will contribute with great knowledge in the aviation industry. The research design used a descriptive, explanatory, causal, and analytical method. A cluster sampling technique was used with a valid sample size of 251 respondents for analysis by multiple regression using ANOVA. Results indicated the significant relationship between lean and agile operations strategies on the cost of quality. There is a direct positive significant relationship between the cost of quality and SC strategies to get quality products cost-effectively. This research was limited to the lean and agile strategies and cost of quality analysis in the aviation industry in one city in the UAE. In contrast, it requires detailed research to explore other cities and assess the aviation industry's challenges while implementing lean and agile strategies. Cost elimination with high-quality production is fundamental for a successful business; lean and agile operations can reduce airline companies' costs and propose the criteria to adopt the strategic implementation efficiently.

Despite the importance of the relationship between E-banking service quality and customer loyalty in the banking sector, little research has been devoted to Arabian regions. This paper investigates the relationship between e-banking service quality (i.e., efficiency, requirement fulfillment, accessibility and, Privacy) and customer loyalty by mediating customer satisfaction in UAE. Two steps sampling techniques are used and the researchers rely on cluster sampling in the region of Ras Al Khaimah (RAK) randomly. Again, random sampling techniques are used to choose 28 branches out off the 34 branches operating within this geographic area. 1500 surveys are distributed and 397 valid surveys are collected with a response rate of 26.5%. A partial least squares structural equation modeling (PLS-SEM) is applied to the data and the results show that the direct and indirect path coefficient between E-banking service quality and customer loyalty were statistically significant. Moreover, customer satisfaction mediates the relationship between E-banking service quality and customer loyalty. To sum up, the findings corroborate existing work in Western settings and underscore the importance of E-banking service quality in the Arabian banking context.

The objective of this work was to study the influence of Managerial Empowerment on the enforcement of problem solving and decision-making skills. To test a pertinent set of proposed hypotheses, empirical data were collected from 82 individuals among the administrative employees at Abu Dhabi University via a questionnaire survey. The results assure that the level of administrative empowerment implementation at Abu Dhabi University was average while the elements and dimensions of problem solving and decision-making skills studied were relatively high. At the same time, there was globally a moderate impact of the dimensions of administrative empowerment on enhancing problem solving and decision-making skills among employees of Abu Dhabi University. Taking these results into consideration can be crucial to better understanding the use of empowerment strategy to enhance employees’ managerial skills.

The main objective of the study was to test the relationship between the uncertainty of supply chain, employee commitment and product quality with the mediating role of supply chain integration. The uniqueness of the study is that it focused on the mediating role of supply chain integration in the automobile sector of United Arab Emirates (UAE). This research is quantitative in nature. For the analysis, structural equation modelling is used. The population of the present research is the employees working in the automobile sector of UAE. A Likert scale questionnaire was used to support this study. The questionnaire was distributed among 481 respondents by using simple random sampling. The usable response rate was 66.66%. The findings of the study confirmed the direct relationship between supply chain integration, product quality, employee commitment and environmental uncertainty. This study fills the gap of limited studies regarding supply chain integration in the UAE automobile sector. The findings of the study are also helpful for policymakers in developing automobile strategies.

Entrepreneurs who are operating small businesses focus on faster growth of their firms through greater wealth creation. This wealth creation process requires skill and investment in terms of time and capital. However, the success or failure of entrepreneurial teams depends on personality differences among the entrepreneurs. In this context, the present study explores the impact of the Big 5 model traits on the team entrepreneurship and the performance of the ventures among the small businesses in the UAE. Further, the study encapsulates how these personality traits can help in solving business problems and achieving long term success for the business. In this regard, the researcher conducted a survey on 49 employees working in 5 entrepreneurial businesses in UAE. The findings of the study highlighted that sub-factors of big five leadership traits broad-minded, gregarious, assertive, responsible, anxious and emotionally depressed, significantly impact the team entrepreneurship of small businesses in the UAE, aiding in increased customer base, venture skills, stock values, and innovating of new products.

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.