The purpose of this study was to show how financial technology tools can be used to reinforce financial inclusion indicators on the profitability indicators of a Jordanian commercial bank listed on the Amman stock exchange. Between 2010 and 2020, a quantitative and qualitative panel data set was used. The study population is represented by all the banks listed on the Amman stock exchange (n = 16). The study found that financial technology through its multitools changed the structure of the overall financial services, besides the diversity and style of financial services for the commercial banks' clients, thus reinforcing and increasing the availability for a wider social group that did not have access to that service. Further, it was found that there is a significant effect of the financial technology tools to reinforce the financial inclusion indicators over the studies' profitability indicators that include return on assets, return on equity, and earnings per share (JD). It is recommended to adopt effective and modern financial and technological strategies that provide marginalized social groups and small and medium enterprises reasonable access to the financial services and products that meet their needs, including transactions, payments, savings, credit, and insurance. Thus, getting the added value of the data and investing it to increase the financial inclusion indicators improves the profitability indicators and income for commercial banks. Keywords: Financial Technology, Profitability, Financial Inclusion, Commercial Banks.

The aim of this study was to investigate and identify the influence of performance expectation, effort expectation, and perceived usefulness on the usage of electronic banking services by Jordanian bank customers. The study used a quantitative method, with questionnaires administered to Jordanian bank clients. The statistics support the association between performance expectation, effort expectation, perceived utility, and the usage of electronic banking services. This implies that these characteristics have a major influence on Jordanian bank customers' electronic banking services. The association between performance expectation and use of electronic banking services is the strongest, followed by effort expectation and use of electronic banking services, and the poorest between perceived usefulness and use of electronic banking services. Even the most tenuous association (perceived usefulness and use of electronic banking services) is statistically significant. These findings also imply that banks seeking to boost the usage of electronic banking services should concentrate on improving consumers' perceptions of performance and effort expectations, as well as perceived usefulness.

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Aims: This study is set out to explore the prevalence and the influencing factors of self-medication practice, besides, to assess the knowledge levels of Amman’s householders. Methods: A community-based cross-sectional study was conducted using pre-tested questionnaires. The householders (n=601) were randomly selected from two disparate regions in Amman (West and East), which reflect different segments of the society. Results: Self-medication was practised by more than half (53.1%) of Amman’s Householders. The East of Amman householders shows a relatively lower rate (49.7%) of self-medication than the West of Amman ones (56.5%), which can be attributed to the higher ability to pay for medicines and a higher level of knowledge among West residents that might allow them to go directly to the pharmacies without consulting a physician. The relatively severe illness (e.g. respiratory diseases and eye complaints) showed the lowest influence for self-medication, which indicates a good level of awareness about the importance of consulting the health care professionals. Furthermore, the two main reasons for self-medication were experiencing a good result from previous self-medication (87.8%) and saving time (84.6%). The self-medication practice was associated with the education level and the knowledge level; the knowledge level of West of Amman residents was correlated positively with the self-medication practice prevalence; nevertheless, East ones presented a less notable pattern. Conclusion: There is a knowledge gap regarding the proper SM practice, the health professionals must effectively educate the patients regarding the responsible self-medication practice and thus limit the adverse outcomes.

This study aims to identify the impact of the external auditor’s analytical procedures on the financial statements and reports for the detection of material misstatements of the Jordanian commercial banks. The impact of independent variables (profitability, liquidity, capital solvency and the employment of funds ratios) on the dependent variable (the detection of material misstatements) was measured. The dependent variable is represented by the earnings management, which is measured by the discretionary accruals. The quantitative standard method was used to analyse the financial statements and analytical procedures; moreover, the Jones Model was used to measure earnings management. Additionally, the multivariate linear regression model was used to test the hypothesis of the study, and to indicate the relationships between the variables. The study population consisted of five Jordanian commercial banks. The data was collected from 2011 to 2017. This study concluded that there is no statistically significant impact of the analytical procedures relating to the ratios of liquidity, profitability, solvency, and employment of funds that the external auditor could undertake to discover material misstatement of the financial statements of Jordanian commercial banks. Finally, the study recommended that auditors should be highly competent and deeply knowledgeable in using the analytical procedures to judge the fairness of financial data and be free of material misstatements.