Browsing by Type "doctor thesis"

It has been acknowledged that financial technology is one of the most prominent outcomes of the digital revolution in the world, as many entrepreneurial companies have emerged which have contributed to facilitating innovative financial transactions through the development of innovative digital financial solutions and services. Consequently, financial inclusion has been raised and enhanced. Financial inclusion is defined by the World Bank as providing users with affordable and useful products and services that meet their needs and are delivered responsibly and sustainably. Based on this, the study was designed to identify the most important factors affecting the intention and behavior of Algerian customers to accept and utilize digital financial services. The objectives of the study are achieved through a descriptive analytical approach, which includes a study population of banks that have been approved for activity by the Bank of Algeria, as well as a questionnaire consisting of 49 statements, along with six demographic expressions. To analyze its hypotheses derived from the theory of planned behaviour (TPB) and the theory of innovation diffusion (IDT), the study uses structural equation modeling (SEM). The findings of the study found that trust, financial cost, concessional terms, and attitude are the most influential factors influencing individuals' behavioral intention to adopt (or continue to use) financial digital services. Algerian service providers and decision makers should take note of the results of this study in achieving financial inclusion. Keywords: Financial Inclusion, Financial Technology, Structural Equation Modeling, Algerian Banks, Customers Intention and Behavior

The objectives of the pillars of Iman (conviction) are considered fresh studies that still need further research and investigation due to their importance in restoring the central role of the Islamic Creed in the life of a Muslim. Therefore, the researcher decided to participate and contribute to this trend based on the problem of disrupting the behavior of Iman, which results from the incompatibility between Iman and the apparent behaviour of a Muslim, and the practical aspect and daily practices of a Muslim are mostly devoid of Iman and spiritual meanings. The validity of Iman and Creed does not translate into practical behavior that indicates it. The research aims to clarify the purposes of the pillars of Iman and their effective role in building the Muslim’s personality and re-establishing the connection, interconnectedness, and harmony between the Muslim’s Iman and behavioral foundations. The research derives its importance from the fact that it is concerned with the subject of objectives in the chapter on Iman, and the attempt to show the fruits of Iman and its abundant shadows on the life of a Muslim, to contribute to the formation and building of the balanced and complete personality of the Muslim today, so that he is qualified to exercise his important and functional role in existence. In preparing his study, the researcher followed two methods, the inductive method, by extrapolating verses, hadiths, research, and writings that touch on the pillars of Iman, whether combined or individually, concerning interpretations and explanations of the hadith in the chapter on Īmān and related actions and its role in correcting behavior and morals. The analytical method is used by analyzing and deducing the practical aspect and highlighting the practical objectives of the predicates of belief stated in the verses and hadiths in the books that were concerned with explaining the practical effects of the pillars of Iman. One of the most important results of the research is that the objectives of Iman are no less important than the objectives of Shariʿah for the sake of building a righteous and reformed Muslim. The objectives of the pillars of Iman are truly effective in shaping the Muslim’s personality in an integrated manner in all fields. Finally, intentional consideration of the pillars of Iman is sufficient to rebuild bridges between Iman and practical behaviour apparent in a Muslim’s life