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The purpose of this paper is to investigate the factors influencing Palestinian consumer attitudes toward artificial intelligence (AI)-powered online banking, focusing on performance expectancy, effort expectancy, social influence and facilitating conditions while considering the moderating role of trust in financial institutions.

To test the hypotheses, an empirical study with a questionnaire was carried out. The study was completed by 362 Palestinian customers who use online banking services.

The findings of this paper show that performance expectancy, effort expectancy, social influence and facilitating conditions significantly influence consumer attitudes toward AI-powered online banking. Furthermore, trust in financial institutions as a moderating variable strengthens the impact of performance expectancy, effort expectancy, social influence and facilitating conditions on consumer attitudes toward AI-powered online banking. Therefore, more studies should focus on certain fields and cultural contexts to get a more thorough grasp of the variables influencing adoption and acceptability.

The study's findings may be specific to the Palestinian context, limiting generalizability. The reliance on self-reported data and a cross-sectional design may constrain the establishment of causal relationships and the exploration of dynamic attitudes over time. In addition, external factors and technological advancements not captured in the study could influence Palestinian consumer attitudes toward AI-powered online banking.

Financial institutions can leverage the insights from this research to tailor their strategies for promoting AI-powered online banking, emphasizing factors like perceived security and ease of use. Efforts to build and maintain trust in financial institutions are crucial for fostering positive consumer attitudes toward AI technologies. Policymakers can use these findings to inform regulations and initiatives that support the responsible adoption of AI in the financial sector, ensuring a more widespread and effective implementation of these technologies.

This research delves into Palestinian consumer attitudes toward AI-powered online banking, focusing on trust in financial institutions. It aims to enrich literature by exploring this under-explored area with meticulous examination, robust methodology and insightful analysis. The study embarks on a novel journey into uncharted terrain, seeking to unearth unique insights that enrich the existing literature landscape. Its findings offer valuable insights for academia and practitioners, enhancing understanding of AI adoption in Palestine and guiding strategic decisions for financial institutions operating in the region.

The paper aims to examine the moderating role of both the perceived value and perceived trust in the relationship between the ease of use, perceived risk, perceived usefulness and quality of website and the Palestinian millennials’ behavioral intention toward online shopping.

A survey questionnaire was carried out targeting 357 Palestinian millennials. In total, 311 valid responses were processed and analyzed using PLS-SEM model fitting approach.

The findings demonstrate that the impact of ease of use, perceived usefulness and website quality on online shopping behavioral intention are reinforced by perceived value and perceived trust, while the effect of perceived risk is weakened. This implies that improving convenience and lowering non-monetary costs such as time and effort will enhance the customers’ perceived value and, as a result, their shopping behavioral intention. In addition, one of the most significant barriers to online shopping is a lack of trust. Therefore, once trust is established, shopping willingness rises, and vice versa.

As this study focused on consumers from a developing country, it neglected the cross-cultural issue; thus, future studies may have to make a comparison of other samples from various nations to gain a deeper understanding. Furthermore, this research focused on the ease of use, perceived risk, perceived usefulness and perceived quality of the website to predict the customer’s behavioral intention toward online shopping, which shows significant results, indicating that more research is needed to look at these independent variables as predictors of customers purchasing decision.

Online shopping is a critical topic that has significant impact on the business world. Investigating the moderating role of perceived trust and perceived value on Palestinian millennials’ online shopping behavioral intention during COVID-19 might give useful information for organizations developing policies and strategies to create direct sales using social media platforms. Furthermore, the findings might also be valuable for management studies and academics to better understand consumers’ intentions when it comes to commercial internet buying.

The empirical nature of this paper gives a thorough explanation of the phenomena of online shopping from a developing country. To the best of the authors’ knowledge, this is the first empirical study that examines the moderating effect of perceived trust and perceived value on Palestinian millennials’ online shopping behavioral intention during COVID-19.

The purpose of this paper is to examine factors that affect Palestinian customers’ use of online banking services.

An empirical study was conducted using a questionnaire in order to test the hypotheses. The questionnaire was distributed to 500 respondents selected by the participating banks. A total of 369 complete questionnaires were returned. The study’s independent variables include technology adoption propensity, customers’ value for online personalization, customers’ privacy concern, e-trust, technological leadership and loyalty. Palestinian customers’ usage of online banking services is the dependent variable.

The results of the model tested clearly suggest that the use of online banking services is influenced, respectively, by the technological leadership, e-trust, e-loyalty, customers’ value for online personalization, customers’ concern for privacy and propensity of technology adoption. Finally, this paper suggests that policy makers should develop a prioritized hierarchy of actions in developing the effective use of bank’s online services, based on the t- and p-values of the latter mentioned factors.

One limitation of the study is relying on self-reported cross-sectional data collection, rather than longitudinal surveying. Despite such limitation, the study provides the Palestinian banking sector with recommendations to promote online banking services based on the empirically identified factors affecting such service adoption.

Palestinian banks should promote the adoption of online banking services by supporting personalization of services, privacy and trust. Customers should always be informed that their bank is among the first banks to introduce the latest state-of-the-art online services. Technology innovative and diverse online services should be offered by banks to attract customers.

Although numerous research studies have studied the factors affecting customers in using electronic and online banking services, few studies have considered such usage in the developing countries, such as Arab countries in general and Palestine in particular. This is the first study to examine the factors affecting the adoption of online banking services in Palestine. This study provides empirical evidence to fill in the gap by providing a deeper understanding of the factors affecting the usage of online banking services in the country. The findings of this study can help decision makers in the Palestinian banks to develop practical plans that might accelerate and expand the adoption of online banking emphasizing personalized and trusted services offered with high level of security and privacy.

The purpose of this paper is to assess the level of total quality management (TQM) implementation in Palestinian governmental and non-governmental hospitals using the Malcolm Baldrige National Quality Award (MBNQA) framework.

The study is based on collecting data using a survey questionnaire that was designed according to the MBNQA criteria. In total, 363 questionnaires from governmental and non-governmental hospitals operating in Gaza Strip were analyzed to assess the level of TQM implementation level in all hospitals (governmental and non-governmental).

The main results of this study indicate that Palestinian hospitals operating in Gaza Strip perform at a relatively acceptable level. Comparing results shows that the performance of non-governmental hospitals is better with higher degree of TQM implementation than the governmental hospitals. Detailed analysis identifies improvement opportunities-related specific aspects of the human resources focus and the performance results.

Although this study has collected data from one Palestinian Territory, the Gaza Strip, it still identifies the critical factors and practices for TQM implementation within the Palestinian healthcare organizations to improve performance.

This paper suggests that business excellence models such as the MBNQA criteria can be used to assess the level of implementation of quality practices and identify the strengths and weaknesses to improve the quality of service delivery, processes, and performance of hospitals.

Despite the widespread use of TQM in the developed countries, little attention has been placed to implement and assess the quality initiatives by organizations in the developing countries and even fewer in low-income Arab countries (Aamer et al., 2017; Øvretveit and Al Serouri, 2006). In addition, a very few number of studies in reference to the assessment of TQM implementation in the Palestinian context, in general, and in healthcare organizations, in particular, highlight the need for this study. To move the field in that direction, the goal of this research was to assess the level of TQM implementation in the healthcare organizations (mainly hospitals) in Gaza Strip (one of the least fortunate areas of the Palestinian-occupied territories) where no prior similar research studies could be found. Therefore, this study contributes to filling this gap in the literature by providing empirical assessment of TQM level of implementation in Gaza Strip hospitals.

The purpose of this study is to examine the impact of female portrayal in advertisements on Palestinian female consumers’ purchasing decisions. TV and online media were selected as the medium for the study. Specifically, the researchers examine the one-dimensional sexualized female portrayal in advertisements.

Culture is used as the lens through which the study examines the relationship between independent and dependent variables concerning the topic of this study. The study collected primary data from 395 Palestinian participants through a survey questionnaire.

The findings of the study revealed that there is a relationship between the independent variable (the sexualized female portrayal in foreign advertisements – advertisements originating in foreign countries) and the dependent variable (Palestinian female consumers’ purchase decision). Additionally, the study found that the cultural differences between Palestine and other foreign countries have a negative impact on the Palestinian female consumers’ perception of the product being advertised.

Although traditional marketing procedures would allow companies to filter and adapt particular adverts to suit various cultural, social and political environments, the advent of the open web and satellite TV channels extend the advertisements reach to audiences beyond their intended demographic.

This is the first study set in the Arab context (including Palestine) to explore the impact of sexualized female portrayal in advertisements on Palestinian female consumers’ purchasing decision.

The purpose of this paper is to examine perfume packaging in Spain and its effects on Basque female consumers’ purchase decision. The study population was made up of females, as they represent the highest consumer in the perfume market, accounting for 67 percent of the total perfume sales (Trufragance.com). Furthermore, in the past few years the perfume industry has basically targeted females (McIntyre, 2013).

An empirical study was conducted using a questionnaire to collect primary data in order to test the hypotheses. The questionnaire was distributed to 400 randomly selected respondents, from the general female population.

The findings show a relationship between the independent variables (i.e. visual packaging design, verbal packaging design, and packaging benefits) and the dependent variable (i.e. consumer purchase decision) based on several reasons discussed thoroughly in this paper. Additionally, age, education level, marital status, monthly income, and employment category of sample subjects influence the effect of perfume packaging on purchase decisions.

The main limitation of this study is the use of simple random sampling. The research findings bear important implications for more functional, emotional, environmental, and socially responsible marketing practice where packaging is concerned.

The findings of this study contribute to the understanding of packaging as a strategic marketing tool and how it can significantly influence the female’s purchase decision. Thus, giving managers and marketers a competitive advantage in this increasingly growing market. A new concept and measurement scale is presented that can be used for identifying creative packaging design and its benefits.

This study remains one of few research works focusing on the four dimensions of packaging benefits: functional, social, emotional, and environmental. Furthermore, it attempts to fulfill the identified need for encompassing potential and generally accepted packaging elements, including both the visual and verbal elements. Therefore, the uniqueness of this study arises from its examination of both aspects simultaneously, which has been ignored in previous research.

This study examines how chatbots could improve the client experience in the banking sector. Due to their quick and effective customer service, chatbots are becoming more and more popular, but it is still unknown whether they can improve the customer experience. In order to gather data from a simple random sample of Palestinian banking clients in the Gaza Strip, a survey was conducted utilizing the explanatory technique. To test hypotheses, data collected from 337 individuals was evaluated using simple regression analysis. According to the results, chatbots may enhance the customer experience by offering 24/7 availability, prompt support, and customized replies. However, issues with data privacy, lack of human interaction, and chatbot accuracy were also noted. The study comes to the conclusion that chatbots may be an effective tool for increasing customer experience in the banking sector, but their design, deployment, and interaction with current customer service channels must be carefully considered. This study significantly adds to the body of knowledge on chatbots and their potential influence on customer experience. The study offers useful insights into the particular difficulties and potential of employing chatbots in a highly regulated and customer-focused industry by concentrating exclusively on the banking sector. The results show that chatbot implementation in banking needs to be approached thoughtfully and strategically to maximize their potential for improving customer experience while limiting any possible downsides.

The purpose of this study is to develop a new protective coating formulation for industrial use, using benzodiazepine derivatives as double function additives.

Benzodiazepine’s derivatives of types (3–5) were prepared and confirmed by infrared, Mass, ¹H-Proton nuclear magnetic resonance (NMR) and ¹³C NMR spectra. The synthesized compound was physically incorporated in the alkyd paint formulation by pebble mill grinding until all particulates are smaller than 20 ums. The prepared coatings were applied by air spray on steel panels. The physical, mechanical characteristics, corrosion resistance and antimicrobial test of the prepared coatings were studied to evaluate the prepared compounds drawbacks.

The results of the mechanical and physical properties of the paint formulation revealed that the paint formulation incorporating benzodiazepines derivatives 3–5 performed best and improved corrosion-resistance and antibacterial activity tests.

In alkyd paint, heterocyclic compounds are the most used antibacterial additives. Other functionalities of these compounds, such as corrosion inhibitors, might be studied to see if they are suited for these applications.

Because of the activity of various benzodiazepine derivatives, which may be attributable to the presence of some function groups such as sulfonamide aromatic amino NH₂ group, and elements such as Sulphur, Nitrogen, Chlorine, in its chemical structure. As a result, paint compositions including these compounds as additives can be used as dual-purpose paint and for a variety of industrial applications.

The research demonstrates how a low-cost paint composition based on synthesized benzodiazepine derivatives 3–5 may be used as a dual-function paint for industrial use.

This research intends to contribute to the literature of entrepreneurial intentions through determining the factors impacting the entrepreneurial intentions among students in different academic programs. This is in order to enhance and improve entrepreneurship-related procedures within relevant universities.

The study was conducted by a structured survey questionnaire on 261 students in the University of Hail. The questionnaire was developed based on previous studies. The proposed hypotheses were tested by the use of the structured equation modeling (SEM) via using Amos software.

The results of the current study support the theoretical integration of the model as most of the hypotheses have been accepted. The results of the survey also show that attitudes toward behavior, self-efficacy, autonomy, risk-taking, pro-activeness and competitive aggressiveness are expressively related with entrepreneurial intention. Yet, social norms and innovativeness are not considerably connected with entrepreneurial intention.

This study seeks to contribute to the relevant literature by integrating the theory of planned behavior (TPB) and the entrepreneurial orientation model (EO). This is in order to identify the factors impacting the intention of entrepreneurship among Saudi university students. As the case in many studies, this present study has some limitations. The main limitation lies in that it would not be possible to generalize the study's findings. This is due to the fact the research is the outcome of examining and studying one Saudi university. Therefore, it would be better to conduct similar studies in other Saudi universities in order to generalize the findings of the study.

The study's results could be of value to policymakers and university administrators in Saudi Arabia universities by which they could be enabled to allocate resources, develop strategies and provide all requirements for the sake of improving entrepreneurial skills among university students. This comprehensive model can be used as a tool for planning and prioritizing resources in bid for providing the required support as this support would reinforce the entrepreneurial opportunity of university students. As such, students would have better thinking about entrepreneurial work and thus would be assisted in achieving their professional goals and the broader goal of nation building.

Since today's youth are viewed as the potential future entrepreneurs, they should be encouraged to achieve the Saudi Kingdom's goals through creating suitable employment opportunities for them by supporting entrepreneurship. Therefore, pointing out the factors impacting the entrepreneurial intention of students will contribute to developing the field of entrepreneurship among young people in Saudi Arabic in general. In addition, realized outcomes would create an exciting new knowledge with regard to the entrepreneurial intention among the youth at the university level.