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This study investigates the factors influencing citizen attitudes toward e-government services and their effects on the adoption of e-government services in Saudi Arabia. It sheds light on the moderating role of citizen motivation in the relationship between factors influencing citizen attitudes in favor of e-government services and their adoption and usage behavior in the Saudi Arabian context. The study analyzes both the drivers propelling the uptake and the barriers impeding it.

A descriptive research design was employed in this study, which surveyed 487 respondents from Jeddah and Madina cities and the surrounding region. The research identifies key drivers, including cultural factors, digital literacy, government policy and interventions, privacy and security, technical infrastructure, support services and citizen trust, alongside barriers such as concerns about data security and digital literacy.

The findings reveal the complex interplay of these factors in shaping citizen attitudes toward e-government services and their effects on adoption in Saudi Arabia. The study indicates that citizen motivation toward e-government services moderates the relationship between, adoption and usage behavior.

This study contributes valuable insights for policymakers and practitioners by offering a nuanced perspective on e-government service adoption in the Saudi Arabian context. It enhances our understanding of the factors influencing citizen attitudes and their impact on e-government adoption, highlighting the importance of citizen motivation as a moderating factor in this relationship.

From 1979 to 2023, the takaful structure has been adopted in many jurisdictions, making the documenting of its early days of establishment relatively difficult and somewhat unreliable. This is unlike conventional insurance, where the history and legislation are well documented and archived in various research (Hellwege, 2016; Marano and Siri, 2017). The purpose of this paper is to provide a chronology for the establishment and development of takaful via the takaful establishment in each jurisdiction, documenting its first takaful operator and first takaful regulation.

This paper has used a qualitative method in the form of reviewing literature and available data such as journals, books and official resources. The data is thoroughly analysed in order to build the chronology for takaful. It adopted an exploratory research design, which is deemed suitable in situations where few works of literature have examined the subject (Neuman, 2014). The paper explores the establishment and non-establishment of takaful in 57 countries. The paper categorises the countries into seven regions starting with the GCC, Levant, Asia, Central Asia, Africa, Europe and Others.

The takaful chronology presented in this paper shows that takaful operations exist in 47 jurisdictions, starting from Sudan and the UAE in 1979, with the most recent adopters being Morocco and Iran in December 2021. It is found that 22 jurisdictions do not have takaful regulations, and the Takaful Act 1984, issued in Malaysia, is considered the first takaful regulation that sets the basis for other regulations that follow.

The paper contributes to the literature by providing a comprehensive chronology of takaful, especially as the few existing timelines have been found to be incomplete and consist of contradictory information.