How to cite this paper
Alhanatleh, H., Alghizzawi, M., Alhawamdeh, Z., Alkhlaifat, B., Alabaddi, Z & Al-Kasasbeh, O. (2024). Public value of using fintech services’ mobile applications: Citizens’ perspective in a Jordan setting.Uncertain Supply Chain Management, 12(2), 1317-1330.
Refrences
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Agbabiaka, O. (2018, April). The Public Value Creation of eGovernment: An Empirical Study from Citizen Perspective. In Proceedings of the 11th International Conference on Theory and Practice of Electronic Governance (pp. 143-153).
Aggarwal, M., Nayak, K. M., & Bhatt, V. (2023). Examining the factors influencing fintech adoption behaviour of gen Y in India. Cogent Economics & Finance, 11(1), 2197699.
Akhtar Shareef, M., Kumar, V., Kumar, U., & Dwivedi, Y. (2014). Factors affecting citizen adoption of transactional electronic government. Journal of Enterprise Information Management, 27(4), 385-401.
Al Nawayseh, M. K. (2020). Fintech in COVID-19 and beyond: what factors are affecting customers’ choice of fintech applications?. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 153.
Alabdallat, W. I. M. (2020). Toward a mandatory public e-services in Jordan. Cogent Business & Management, 7(1), 1727620.
Al-Afeef, M., Fraihat, B., Alhawamdeh, H., Hijazi, H., AL-Afeef, M., Nawasr, M., & Rabi, A. (2023). Factors affecting middle eastern countries' intention to use financial technology. International Journal of Data and Network Science, 7(3), 1179-1192.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99-110.
Alford, J., & O'Flynn, J. (2009). Making Sense of Public Value: Concepts, Critiques and Emergent Meanings. International Journal of Public Administration, 32(3-4), 171- 191.
Alford, J., & O'flynn, J. (2009). Making sense of public value: Concepts, critiques and emergent meanings. Intl Journal of Public Administration, 32(3-4), 171-191.
Alhajjaj, H., & Ahmad, A. (2022). DRIVERS OF THE CONSUMERS ADOPTION OF FINTECH SERVICES. Interdisciplinary Journal of Information, Knowledge & Management, 17.
Alhanatleh, H., & Akkaya, M. (2020). Factors affecting the cloud ERP: a case study of learning resources department at Jordanian education ministry. Management & Economics Research Journal, 2(4), 101-122.
Alhanatleh, H., Khaddam, A., & Abousweilem, F. (2022). Mobile government public value model for assessing the public institution’s services: evidence through the context of Jordan. International Journal of Data and Network Science, 6(4), 1295-1308.
Aljaafreh, A., Qatawneh, N., Awad, R., Alamro, H., & Ma’aitah, S. (2022). FinTech Adoption in Jordan: Extending UTAUT2 with eWOM and COVID-19 Perceived Risk. In The Implementation of Smart Technologies for Business Success and Sustainability: During COVID-19 Crises in Developing Countries (pp. 91-97). Cham: Springer International Publishing.
AlKailani, M. (2016). Factors affecting the adoption of internet banking in Jordan: An extended TAM model. Journal of Marketing Development and Competitiveness, 10(1), 39.
Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-AlSondos, I. A., Oudat, M. S., & Bani Atta, A. A. (2022). Towards an understanding of FinTech users’ adoption: Intention and e-loyalty post-COVID-19 from a developing country perspective. Sustainability, 14(19), 12616.
Al-Okaily, M. (2023). The influence of e-satisfaction on users'e-loyalty toward e-wallet payment apps: a mediated-moderated model. International Journal of Emerging Markets.
Aloulou, M., Grati, R., Al-Qudah, A. A., & Al-Okaily, M. (2023). Does FinTech adoption increase the diffusion rate of digital financial inclusion? A study of the banking industry sector. Journal of Financial Reporting and Accounting.
Alsmadi, A., Alfityani, A., Alhwamdeh, L., Al_hazimeh, A., & Al-Gasawneh, J. (2022). Intentions to use FinTech in the Jordanian banking industry. International Journal of Data and Network Science, 6(4), 1351-1358.
Althunibat, A., Binsawad, M., Almaiah, M. A., Almomani, O., Alsaaidah, A., Al-Rahmi, W., & Seliaman, M. E. (2021). Sustainable applications of smart-government services: A model to understand smart-government adoption. Sustainability, 13(6), 3028.
Arslan, A., Buchanan, B. G., Kamara, S., & Al Nabulsi, N. (2022). Fintech, base of the pyramid entrepreneurs and social value creation. Journal of Small Business and Enterprise Development, 29(3), 335-353.
Awang, Z. (2014). A handbook on SEM for Academicians and Practitioners: the step by step practical guides for the beginners. Bandar Baru Bangi: MPWS Rich Resource.
Awang, Z., Lim, S., & Zainudin, N. (2018). Pendekatan Mudah SEM- Structural Equation Modelling. MPWS Rich Resources.
Baber, H. (2020). FinTech, crowdfunding and customer retention in Islamic banks. Vision, 24(3), 260-268.
Bouteraa, M., Chekima, B., Lajuni, N., & Anwar, A. (2023). Understanding Consumers’ Barriers to Using FinTech Services in the United Arab Emirates: Mixed-Methods Research Approach. Sustainability, 15(4), 2931.
Carlin, B., Olafsson, A., & Pagel, M. (2017). Fintech adoption across generations: Financial fitness in the information age (No. w23798). National Bureau of Economic Research.
cbj.gov.jo, 2023. https://www.cbj.gov.jo/Pages/viewpage.aspx?pageID=1438. Accessed by the Internet in (15 July, 2023).
Chan, R., Troshani, I., Rao Hill, S., & Hoffmann, A. (2022). Towards an understanding of consumers’ FinTech adoption: The case of Open Banking. International Journal of Bank Marketing, 40(4), 886-917.
Cheung, R., & Vogel, D. (2013). Predicting user acceptance of collaborative technologies: An extension of the technology acceptance model for e-learning. Computers & education, 63, 160-175.
Coats, D., & Passmore, E. (2008). Public value: The next steps in public service reform (pp. 1-65). London: Work Foundation.
Cohen, L., Manion, L., & Morrison, K. (2017). Research methods in education. routledge.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 319-340.
DeLone, W. H., & McLean, E. R. (2003). The DeLone and McLean model of information systems success: a ten-year update. Journal of management information systems, 19(4), 9-30.
Dwivedi, Y. K., Rana, N. P., Tamilmani, K., & Raman, R. (2020). A meta-analysis based modified unified theory of acceptance and use of technology (meta-UTAUT): a review of emerging literature. Current Opinion in Psychology, 36, 13- 18.
Ellison, B., Bernard, J. C., Paukett, M., & Toensmeyer, U. C. (2016). The influence of retail outlet and FSMA information on consumer perceptions of and willingness to pay for organic grape tomatoes. Journal of Economic Psychology, 55, 109-119.
Firmansyah, E. A., Masri, M., Anshari, M., & Besar, M. H. A. (2022). Factors affecting fintech adoption: a systematic literature review. FinTech, 2(1), 21-33.
Fishbein, M., & Ajzen, I. (1977). Belief, attitude, intention, and behavior: An introduction to theory and research.
Fox, G., Clohessy, T., van der Werff, L., Rosati, P., & Lynn, T. (2021). Exploring the competing influences of privacy concerns and positive beliefs on citizen acceptance of contact tracing mobile applications. Computers in Human Behavior, 121, 106806.
Fukumoto, E., & Bozeman, B. (2019). Public values theory: What is missing?. The American Review of Public Administration, 49(6), 635-648.
Goldstein, I., Jiang, W., & Karolyi, G. A. (2019). To FinTech and beyond. The Review of Financial Studies, 32(5), 1647-1661.
Hair, J. F., Money, A. H., Samouel, P., & Page, M. (2007). Research methods for business. Education+ Training.
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European business review, 31(1), 2-24.
Hammouri, Q., Al-Gasawneh, J., Abu-Shanab, E., Nusairat, N., & Akhorshaideh, H. (2021). Determinants of the continuous use of mobile apps: The mediating role of users awareness and the moderating role of customer focus. International Journal of Data and Network Science, 5(4), 667-680.
Hartono, E., Holsapple, C. W., Kim, K. Y., Na, K. S., & Simpson, J. T., 2014. Measuring perceived security in B2C electronic commerce website usage: A respecification and validation. Decision Support Systems, 62, 11-21
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Kamarudin, S., Omar, S. Z., Zaremohzzabieh, Z., Bolong, J., & Osman, M. N. (2021). Factors Predicting the Adoption of EGovernment Services in Telecenters in Rural Areas: The Mediating Role of Trust. Asia-Pacific Social Science Review, 21(1).
Kelly, G., Mulgan, G., & Muers, S. (2002). Creating public value. London, Cabinet Office.
Khuong, N. V., Phuong, N. T. T., Liem, N. T., Thuy, C. T. M., & Son, T. H. (2022). Factors Affecting the Intention to Use Financial Technology among Vietnamese Youth: Research in the Time of COVID-19 and Beyond. Economies, 10(3), 57.
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Marei, A., Mustafa, J. A., Othman, M., Daoud, L., & Lutfi, A. (2023). The Moderation of Organizational Readiness on the Relationship Between Toe Factors and Fintech Adoption and Financial Performance. International Journal of Professional Business Review, 8(7), e02800-e02800.
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Akhtar Shareef, M., Kumar, V., Kumar, U., & Dwivedi, Y. (2014). Factors affecting citizen adoption of transactional electronic government. Journal of Enterprise Information Management, 27(4), 385-401.
Al Nawayseh, M. K. (2020). Fintech in COVID-19 and beyond: what factors are affecting customers’ choice of fintech applications?. Journal of Open Innovation: Technology, Market, and Complexity, 6(4), 153.
Alabdallat, W. I. M. (2020). Toward a mandatory public e-services in Jordan. Cogent Business & Management, 7(1), 1727620.
Al-Afeef, M., Fraihat, B., Alhawamdeh, H., Hijazi, H., AL-Afeef, M., Nawasr, M., & Rabi, A. (2023). Factors affecting middle eastern countries' intention to use financial technology. International Journal of Data and Network Science, 7(3), 1179-1192.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99-110.
Alford, J., & O'Flynn, J. (2009). Making Sense of Public Value: Concepts, Critiques and Emergent Meanings. International Journal of Public Administration, 32(3-4), 171- 191.
Alford, J., & O'flynn, J. (2009). Making sense of public value: Concepts, critiques and emergent meanings. Intl Journal of Public Administration, 32(3-4), 171-191.
Alhajjaj, H., & Ahmad, A. (2022). DRIVERS OF THE CONSUMERS ADOPTION OF FINTECH SERVICES. Interdisciplinary Journal of Information, Knowledge & Management, 17.
Alhanatleh, H., & Akkaya, M. (2020). Factors affecting the cloud ERP: a case study of learning resources department at Jordanian education ministry. Management & Economics Research Journal, 2(4), 101-122.
Alhanatleh, H., Khaddam, A., & Abousweilem, F. (2022). Mobile government public value model for assessing the public institution’s services: evidence through the context of Jordan. International Journal of Data and Network Science, 6(4), 1295-1308.
Aljaafreh, A., Qatawneh, N., Awad, R., Alamro, H., & Ma’aitah, S. (2022). FinTech Adoption in Jordan: Extending UTAUT2 with eWOM and COVID-19 Perceived Risk. In The Implementation of Smart Technologies for Business Success and Sustainability: During COVID-19 Crises in Developing Countries (pp. 91-97). Cham: Springer International Publishing.
AlKailani, M. (2016). Factors affecting the adoption of internet banking in Jordan: An extended TAM model. Journal of Marketing Development and Competitiveness, 10(1), 39.
Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-AlSondos, I. A., Oudat, M. S., & Bani Atta, A. A. (2022). Towards an understanding of FinTech users’ adoption: Intention and e-loyalty post-COVID-19 from a developing country perspective. Sustainability, 14(19), 12616.
Al-Okaily, M. (2023). The influence of e-satisfaction on users'e-loyalty toward e-wallet payment apps: a mediated-moderated model. International Journal of Emerging Markets.
Aloulou, M., Grati, R., Al-Qudah, A. A., & Al-Okaily, M. (2023). Does FinTech adoption increase the diffusion rate of digital financial inclusion? A study of the banking industry sector. Journal of Financial Reporting and Accounting.
Alsmadi, A., Alfityani, A., Alhwamdeh, L., Al_hazimeh, A., & Al-Gasawneh, J. (2022). Intentions to use FinTech in the Jordanian banking industry. International Journal of Data and Network Science, 6(4), 1351-1358.
Althunibat, A., Binsawad, M., Almaiah, M. A., Almomani, O., Alsaaidah, A., Al-Rahmi, W., & Seliaman, M. E. (2021). Sustainable applications of smart-government services: A model to understand smart-government adoption. Sustainability, 13(6), 3028.
Arslan, A., Buchanan, B. G., Kamara, S., & Al Nabulsi, N. (2022). Fintech, base of the pyramid entrepreneurs and social value creation. Journal of Small Business and Enterprise Development, 29(3), 335-353.
Awang, Z. (2014). A handbook on SEM for Academicians and Practitioners: the step by step practical guides for the beginners. Bandar Baru Bangi: MPWS Rich Resource.
Awang, Z., Lim, S., & Zainudin, N. (2018). Pendekatan Mudah SEM- Structural Equation Modelling. MPWS Rich Resources.
Baber, H. (2020). FinTech, crowdfunding and customer retention in Islamic banks. Vision, 24(3), 260-268.
Bouteraa, M., Chekima, B., Lajuni, N., & Anwar, A. (2023). Understanding Consumers’ Barriers to Using FinTech Services in the United Arab Emirates: Mixed-Methods Research Approach. Sustainability, 15(4), 2931.
Carlin, B., Olafsson, A., & Pagel, M. (2017). Fintech adoption across generations: Financial fitness in the information age (No. w23798). National Bureau of Economic Research.
cbj.gov.jo, 2023. https://www.cbj.gov.jo/Pages/viewpage.aspx?pageID=1438. Accessed by the Internet in (15 July, 2023).
Chan, R., Troshani, I., Rao Hill, S., & Hoffmann, A. (2022). Towards an understanding of consumers’ FinTech adoption: The case of Open Banking. International Journal of Bank Marketing, 40(4), 886-917.
Cheung, R., & Vogel, D. (2013). Predicting user acceptance of collaborative technologies: An extension of the technology acceptance model for e-learning. Computers & education, 63, 160-175.
Coats, D., & Passmore, E. (2008). Public value: The next steps in public service reform (pp. 1-65). London: Work Foundation.
Cohen, L., Manion, L., & Morrison, K. (2017). Research methods in education. routledge.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 319-340.
DeLone, W. H., & McLean, E. R. (2003). The DeLone and McLean model of information systems success: a ten-year update. Journal of management information systems, 19(4), 9-30.
Dwivedi, Y. K., Rana, N. P., Tamilmani, K., & Raman, R. (2020). A meta-analysis based modified unified theory of acceptance and use of technology (meta-UTAUT): a review of emerging literature. Current Opinion in Psychology, 36, 13- 18.
Ellison, B., Bernard, J. C., Paukett, M., & Toensmeyer, U. C. (2016). The influence of retail outlet and FSMA information on consumer perceptions of and willingness to pay for organic grape tomatoes. Journal of Economic Psychology, 55, 109-119.
Firmansyah, E. A., Masri, M., Anshari, M., & Besar, M. H. A. (2022). Factors affecting fintech adoption: a systematic literature review. FinTech, 2(1), 21-33.
Fishbein, M., & Ajzen, I. (1977). Belief, attitude, intention, and behavior: An introduction to theory and research.
Fox, G., Clohessy, T., van der Werff, L., Rosati, P., & Lynn, T. (2021). Exploring the competing influences of privacy concerns and positive beliefs on citizen acceptance of contact tracing mobile applications. Computers in Human Behavior, 121, 106806.
Fukumoto, E., & Bozeman, B. (2019). Public values theory: What is missing?. The American Review of Public Administration, 49(6), 635-648.
Goldstein, I., Jiang, W., & Karolyi, G. A. (2019). To FinTech and beyond. The Review of Financial Studies, 32(5), 1647-1661.
Hair, J. F., Money, A. H., Samouel, P., & Page, M. (2007). Research methods for business. Education+ Training.
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to use and how to report the results of PLS-SEM. European business review, 31(1), 2-24.
Hammouri, Q., Al-Gasawneh, J., Abu-Shanab, E., Nusairat, N., & Akhorshaideh, H. (2021). Determinants of the continuous use of mobile apps: The mediating role of users awareness and the moderating role of customer focus. International Journal of Data and Network Science, 5(4), 667-680.
Hartono, E., Holsapple, C. W., Kim, K. Y., Na, K. S., & Simpson, J. T., 2014. Measuring perceived security in B2C electronic commerce website usage: A respecification and validation. Decision Support Systems, 62, 11-21
Hasan, R., Ashfaq, M., & Shao, L. (2021). Evaluating drivers of fintech adoption in the Netherlands. Global Business Review, 09721509211027402.
Hassanzadeh, A., Kanaani, F., & Elahi, S. (2012). A model for measuring e-learning systems success in universities. Expert systems with Applications, 39(12), 10959-10966.
Isah, S., Ibrahim, R. M., & Karim, F. (2023). VALIDATING THE CONSTRUCTS OF EMPLOYEES’COMPETENCE MODEL TROUGH CONFIRMATORY FACTOR ANALYSIS: EVIDENCE FROM NIGERIA. International Journal of Economics (IJEC), 2(1), 71-86.
Kamarudin, S., Omar, S. Z., Zaremohzzabieh, Z., Bolong, J., & Osman, M. N. (2021). Factors Predicting the Adoption of EGovernment Services in Telecenters in Rural Areas: The Mediating Role of Trust. Asia-Pacific Social Science Review, 21(1).
Kelly, G., Mulgan, G., & Muers, S. (2002). Creating public value. London, Cabinet Office.
Khuong, N. V., Phuong, N. T. T., Liem, N. T., Thuy, C. T. M., & Son, T. H. (2022). Factors Affecting the Intention to Use Financial Technology among Vietnamese Youth: Research in the Time of COVID-19 and Beyond. Economies, 10(3), 57.
Leong, K., & Sung, A. (2018). FinTech (Financial Technology): What is it and how to use technologies to create business value in fintech way?. International Journal of Innovation, Management and Technology, 9(2), 74-78.
Liao, Z., & Cheung, M. T., 2002. Internet-based e-banking and consumer attitudes: An empirical study. Information & Management, 39(4), 283-295.
Marei, A., Mustafa, J. A., Othman, M., Daoud, L., & Lutfi, A. (2023). The Moderation of Organizational Readiness on the Relationship Between Toe Factors and Fintech Adoption and Financial Performance. International Journal of Professional Business Review, 8(7), e02800-e02800.
Mehta, D., & Kumari, S. (2021). Drivers of FinTech in India-A study of customers’ attitude and adoption. ZENITH International Journal of Multidisciplinary Research, 11(1), 29-41.
Meynhardt, T. (2015). Public value: Turning a conceptual framework into a scorecard.
Mohamad, M., Afthanorhan, A., Awang, Z., & Mohammad, M. (2019). Comparison between CB-SEM and PLS-SEM: Testing and confirming the maqasid syariah quality of life measurement model. The Journal of Social Sciences Research, 5(3), 608-614.
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