INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY https://rajpub.com/index.php/ijmit KHALSA PUBLICATIONS en-US INTERNATIONAL JOURNAL OF MANAGEMENT & INFORMATION TECHNOLOGY 2278-5612 <p><a href="http://creativecommons.org/licenses/by/4.0/" rel="license"><img src="https://i.creativecommons.org/l/by/4.0/88x31.png" alt="Creative Commons License" /></a> All articles published in <em>Journal of Advances in Linguistics</em> are licensed under a <a href="http://creativecommons.org/licenses/by/4.0/">Creative Commons Attribution 4.0 International License</a>.</p> The Impact of Credit Risk and Bank-Specific Drivers on Banks’ Performance: Evidence from the UAE Region https://rajpub.com/index.php/ijmit/article/view/9264 <p><span style="font-weight: 400;">The COVID-19 pandemic has induced a series of credit risk problems for most commercial banks in the GCC region. Thus, the current paper aims to examine the impact of both credit risk and bank-specific drivers on commercial banks’ financial performance in the UAE from the period 2017 - 2021. The study used NPLs, LLP, and DR as credit risk indicators while CER, LR, and NPLs were used as bank-specific drivers and ROA as financial performance measures. The Random Effect model was used for data analysis. The findings revealed that NPLs and LLP had a negative and significant effect on ROA while CER, LR, and, NPLs were found to have a negative and significant relationship with ROA. This paper implies that banks need remain prudent in their credit risk management and adopt the best strategies to manage and control bank-specific drivers to improve their performance</span></p> Zawadi Ally Copyright (c) 2022 Zawadi Ally https://creativecommons.org/licenses/by/4.0 2022-08-17 2022-08-17 17 34 47 10.24297/ijmit.v17i.9264 The Effect of Dividend Policy on Stock Market Price Volatility of Banks in the Gulf Cooperation Council (GCC) Markets: https://rajpub.com/index.php/ijmit/article/view/9263 <p>This study examined the effect of dividend policy on the stock market price volatility of banks in the GCC markets. The study data were obtained from the annual financial reports and accounts of the selected sampled banks. The study used the panel data analysis fixed effect regression model.&nbsp; The findings revealed that dividend yield and dividends payout does not influence the market share price in the GCC market. Therefore, they do not affect the GCC banks’ market share price, thus the findings of the study support the dividend policy irrelevance theory.&nbsp; The study recommends that managers in the GCC banks should focus on and emphasize allocating more funds in investment rather than paying dividends. The findings have important practical implications for the policymakers on dividends in the GCC banks due to unstable and inconsistent trends of dividend payments and making it difficult for shareholders on dividend policy decisions predictions</p> Zawadi Ally Copyright (c) 2022 Zawadi Ally https://creativecommons.org/licenses/by/4.0 2022-08-17 2022-08-17 17 20 33 10.24297/ijmit.v17i.9263 The interaction between IT and planning: decision support or knowledge generation? https://rajpub.com/index.php/ijmit/article/view/9257 <p><span style="font-weight: 400;">The present study aims to discuss, under a theoretical perspective, the role and the added value of the interaction between Information Technology (IT) and decision-making, paying particular attention to the planning context. The main idea of this paper is that the interaction of decision makers with IT, especially when the decisions concern scenario planning and alternative hypotheses, plays two important roles: a) it supports decisions, given the availability of semi-structured information and data provided by IT tools; b) it generates knowledge due both to the iterative approach followed by the decision maker for designing the planning model and to the reasonings and group discussions about the objectives to be defined. The conclusions speculate that the interaction between IT and decision makers is not limited to provide decisional support, but it also generates knowledge and promotes a learning process, especially in a complex decision domain. Therefore, further research is encouraged on this issue, for examining to what extent, and under which conditions, the interaction with IT allows to generate or increase knowledge about a problem, beyond a mere decision support.</span></p> Caserio C Copyright (c) 2022 Caserio C https://creativecommons.org/licenses/by/4.0 2022-08-04 2022-08-04 17 15 19 10.24297/ijmit.v17i.9257 Fintech Perceived Usefulness, Ease Of Use Among Consumers And Its Effect On Satisfaction And Continuous Usage: An Impractical Study On STC Pay And Apple Pay In Saudi Arabia’s Retail Sector https://rajpub.com/index.php/ijmit/article/view/9197 <p>This paper study the effect of perceived ease of use and perceived usefulness on customers' satisfaction with FinTech and its impact on the continuous usage of FinTech among Saudi customers. A survey was conducted using an electronic and self-administered questionnaire. A total of 250 questionnaires were distributed among Saudi users of FinTech services. The valid questionnaires were 121; they were tested using SPSS and AMOS. This study examines the following factors: perceived ease of use and perceived usefulness as independent factors and included satisfaction as a mediator factor to study how it mediates the relationship between the independent factors and the dependent factor. The continuous usage of FinTech was the dependent factor. Results reveal that both perceived ease of use and perceived usefulness have a significant effect on customer satisfaction, and the three variables have a significant positive effect on the continuous usage of FinTech among Saudi customers. Conclusion, study limitations, and future studies were provided.</p> Noura Abdulaziz Alshathry Soad Abdullah Almeshal Copyright (c) 2022 Noura Abdulaziz Alshathry, Soad Abdullah Almeshal https://creativecommons.org/licenses/by/4.0 2022-03-15 2022-03-15 17 1 14 10.24297/ijmit.v17i.9197