<strong>Banks have changed from paper-based banking solutions provider to the latest of the technologies like mobile banking. Adoption of mobile-banking has received more attention in recent years, because there are more phones than computers in the market. But, like in any emerging technology, there exist barriers to the adoption of mobile banking services. This study will attempt to technically address these largely unfounded factors while helping to lay a roadmap for proper implementation of mobile banking technology in the Jordanian banking industry. The study found that Supportive Access factor of mobile banking is associated with the user satisfaction related to mobile banking. </strong>
Recently, technology has witnessed a rapid progress and dominates all aspects of life systematically. Smartphones are devices that users can depend on managing and storing data. Moreover, they are used to save, update and secure the private information of users by using Cloud Storage such as iCloud, Dropbox and Google Drive. This study presents and adjusts the Technology Acceptance Model (TAM) specifically, perceived ease of use, usefulness, attitude toward usage and behavioral intention. Additionally, the study used Cornbach Alpha Correlation and Regression analysis in public universities, particularly in the University of Sulaimani. The study aims to recognize the major elements that have impact on using cloud storage and to what extent the user depends on electronic devices in the academic field and to identify the factors and crucial effect on the users to use electronic device easily, improve their capability and attract to use the specific technology. The results of this study confirmed that some TAM constructs direct and indirect effect on university academics, employees and students' behavioral intention to use cloud storage (Dropbox, iCloud and Google drive). However, the results regression analysis shows whenever users used the cloud storage easily perceived usefulness decreased the performance of job consequently. On the other hand, it went up the desirability to use the specific technology and own conscious scheme to execute for future.
Rapid changes in the world of the Internet have led to changes in the electronic markets, especially the speed of information creation compared to normal markets, the reduction of the time between the search and the product, and the ability of the seller and buyer to deal with each other despite the distance between them, The electronic shopping decision depends on the method of payment. This study attempts to measure the effect of e-cards on the decision of e-shopping in Jordan through four aspects, namely: use and reliability, trust and safety, type of e-card and perception. The study reiterated that there is a positive relationship between the use and reliability of electronic cards and the decision of electronic shopping, where the use of electronic cards increases the decision of online shopping, the study also concluded that the type of electronic card and payment method affects the electronic purchase decision (credit card, debit card, prepaid card, cash on delivery).
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