Purpose Electronic payment (e-payment) systems literature analysis reveals that they are growing in developing countries; however, they are limited in the Arab countries and, more importantly, scarce in Iraq in particular. Therefore, this paper aims to investigate the factors influencing the intention of users to use e-payment systems in Iraq. Additionally, this study proposes an e-payment adoption model based on technology usage models to identify user trends toward e-payment systems. Design/methodology/approach A quantitative approach is adopted to test the proposed model. The proposed model is based on the Unified Theory of Acceptance and Usage of Technology theory. The proposed model is validated using survey data from 339 e-payment system users. Using Amos software, this study used structural equation modeling (SEM), a statistical technique for analyzing factor relationships. Findings The findings of the study indicate that performance expectancy, effort expectancy, social influence, facilitating conditions and price saving orientation influence Intention to accept the e-payment system. Similarly, habit, technology security, trust, innovation resistance, psychological empowerment also affect intention to accept an e-payment system. However, hedonic motivation and perceived risk do not affect e-payment system adoption. Originality/value The identified factors play a major role in user intentions toward the adoption of e-payment systems for financial transactions and addressing these factors will make e-payment acceptable in the future. The results of this study contribute to assisting governments or e-payment firms and decision-makers in building strategic decisions or policies that will increase the adoption of e-payment by individuals.

The adoption of artificial intelligence applications in higher education plays an important role in the improvement of the quality of education and learning practices and overcomes many educational' issues. The purpose of this study is to examine the factors influencing learning performance by using artificial intelligence in the educational process. The research model has been developed based on dual factor concept through examining “enablers” and “inhibitors” factors of artificial intelligence adoption in higher education toward improving the Learning Performance. The research model has been built based on a combination of the following theories, constructivism, TAM3, UTAUT, BM, status quo bias theory. The hypothesized model is validated empirically via a questionnaire including 57-item based on 5-point Likert scales completed by 383 respondents (random sampled). Structural equation modeling was used to evaluate the proposed model by analyzing the confirmatory factor and path effects across the AMOS software. The results demonstrate that the indicators of model fitness showed good fit. As for the results of the hypothesis test, it is clear that the results of the analysis show that the interaction and the engagement of learning have a significant effect on the collaboration for learning and thus have a significant effect on the learning performance. Perceived enjoyment, perceived usefulness, and perceived ease of use have a significant effect on using artificial intelligence. Facilitating conditions have no significant impact on using artificial intelligence. Consciousness has a positive effect on use while perceived risks and resistance do not significantly affect use and learning performance. The use of artificial intelligence has a positive and significant effect on learning performance.

Purpose This study aims to consider the capabilities of information technology as a basing dimension in the success of systems that provide electronic services as an e-government system. This study will focus on the role of IT capabilities in e-government system success by proposing a model based on the integration of the updated DeLone and McLean model is (D&M) with the unified theory of acceptance and use of technology is (UTAUT) model, which includes seven variables, namely, IT capabilities, information quality, system quality, performance expectancy, effort expectancy, perceived support quality and e-government system usage. Design/methodology/approach A conceptual framework was built across a review of the literature and the results of studies of IT capability and e-government systems success has developed the study model. As the causal approach was adopted to test the model of the proposed study. Survey data collected from 765 respondents who use the e-government system in Iraq. Also, a regression approach has been used to test the study model. Findings The results revealed that IT capabilities and the factors included in the “the updated (D&M) and (UTAUT) model” as important forecasts in the success of e-government systems. In another word, the proposed model provides managers with a new perspective to deal with the adoption of the e-government system by introducing a new variable “IT capabilities,” to provide decision-makers with a new approach in determining factors of e-government success. Research limitations/implications The government must develop their policies in line with e-government services to maximize the benefits accrued from e-government services. Where the main determinants in this study were the age group of the sample and the Arab environment for this study. Originality/value This study is the first in Iraq as a developing country and one of the few in e-government that considers IT capabilities as a basing dimension in e-government success by proposing a comprehensive model that sums the factors related to such a relationship. Its value stems from its sample of public users and the support of its proposed framework.

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