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This study’s goal is to ascertain the degree to which electronic readiness, through dimensions, such as administrative readiness, infrastructure readiness, and human readiness, ensures the adoption of financial technology in Jordanian commercial banks. This description is attained through the descriptive–analytical approach. A population of 12 Jordanian commercial banks was selected, and accountants, IT specialists, auditors, and senior auditors were selected as a sample. A total of 250 questionnaires were distributed by means of electronic, out of which 225 were retrieved and valid for statistical analysis. For data analysis, SPSS software was used, and tests include descriptive statistics, correlation, and regression tests. The results indicated that electronic readiness and its dimensions have a significant effect on the adoption of FinTech. The study recommended further investment by Jordanian commercial banks in human capital and digital infrastructure to enhance readiness for the rapidly advancing technological landscape.

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The Impact of Electronic Readiness on the Adoption of Financial Technology in Jordanian Commercial Banks

  • 会议论文

  • 发表日期：

    2026年

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  • Anwar Al-Gasaymeh,
  • Linda A. Al-Gasaymeh,
  • John Kasem,
  • Jamil J. Jaber,
  • Ahmad A. Al-Naimi,
  • Jassim Al-Gasawneh

摘要

This study’s goal is to ascertain the degree to which electronic readiness, through dimensions, such as administrative readiness, infrastructure readiness, and human readiness, ensures the adoption of financial technology in Jordanian commercial banks. This description is attained through the descriptive–analytical approach. A population of 12 Jordanian commercial banks was selected, and accountants, IT specialists, auditors, and senior auditors were selected as a sample. A total of 250 questionnaires were distributed by means of electronic, out of which 225 were retrieved and valid for statistical analysis. For data analysis, SPSS software was used, and tests include descriptive statistics, correlation, and regression tests. The results indicated that electronic readiness and its dimensions have a significant effect on the adoption of FinTech. The study recommended further investment by Jordanian commercial banks in human capital and digital infrastructure to enhance readiness for the rapidly advancing technological landscape.