Business intelligence usage in the Jordanian banking sector: The role of data literacy, strategic alignment, and change management

Sustainability includes social, economic, and ecological responsibilities. The worldwide concern about sustainability is increasing, especially for those issues related to the ecological domain. Any organization wishing to survive and sustain its business should consider sustainability pillars within daily activities. Therefore, this study is directed to investigate how consumers’ identification, involvement, and commitment to sustainability affect entrepreneurship. This paper uses a quantitative cross-sectional method to collect the data from 400 respondents in Jordan. The results show a correlation between consumers’ level of involvement, identification, commitment, and sustainability components (economy-driven venture, society-driven venture, and ecology-driven venture). Moreover, commitment has the highest effect on customers’ intentions and behavior; identification has the second highest effect, while involvement does not significantly affect both customers’ intentions and behavior. The study recommends that all organizations, whatever they do and wherever they conduct their business, should consider sustainability pillars within their strategies and daily practices. The sustainability-driven ventures should not only attract the required customer segmentation via social media, but also enhance, strengthen, and engage their sense of identification, commitment, and belonging.

The utilization of business intelligence has become increasingly crucial for small and medium-sized enterprises (SMEs) to remain competitive amid rapid advancements in information technology and heightened business uncertainty. This study analyzes the influence of business intelligence on the financial performance of SMEs, focusing on the mediating role of financial ambidexterity. Additionally, it examines how financial access, financial availability, and financial information quality enable effective business intelligence adoption. Data were collected from a survey of 233 SME managers in Central Java, Indonesia, conducted between December 2023 and February 2024. Smart PLS 3 was used to analyze the data and test the proposed hypotheses. The findings revealed that business intelligence significantly affects financial performance (β = 0.655, p = 0.044). Furthermore, the indirect effect analysis confirmed that financial ambidexterity plays a crucial role in mediating the relationship between business intelligence and financial performance (β = 0.531, p = 0.018). Additionally, the results confirmed that financial resources positively influence business intelligence implementation, with financial availability (β = 0.243, p = 0.000), financial information quality (β = 0.335, p = 0.016), and financial access (β = 0.768, p = 0.025) all showing significant effects. This study highlights the critical role of business intelligence and financial ambidexterity in enhancing financial performance and underscores the importance of financial resources for successful business intelligence implementation in SMEs.

Software as a digital product has been shown to improve companies’ performance and efficiency. One product that is now at the core of many businesses is Software as a Service (SaaS). By utilizing cloud computing platforms, SaaS is a method of providing applications as a service. SaaS applications have unique characteristics that can be customized to meet customers’ needs. Hence, SaaS has become suitable for companies of all types and sizes, including small- and medium-sized enterprises. The purpose of this study is to examine the effect of customer involvement on the development of SaaS applications and the impact of customer engagement on the co-creation of services, satisfaction, and loyalty, with the co-creation level used as a moderating variable. Data were collected from responses to an online questionnaire by 282 users of a SaaS application in Indonesia who were the decision-makers of the selected SaaS provider. The data were then analyzed using structural equation modeling. The results show that customer involvement in developing SaaS applications significantly positively affects the co-creation of services, satisfaction, and loyalty (t-value > 1.645). Moreover, the level of co-creation was proven to strengthen the impact of customer involvement on the co-creation of services with an interaction Standardize Loading Factor (SLF) path of 1.36. Hence, the findings indicate that higher customer involvement promotes collaborative activities with service providers, and the optimum level of co-creation raises customer satisfaction.