Table Of ContentLecture Notes in Networks and Systems
Volume 486
Series Editor
Janusz Kacprzyk, Systems Research Institute, Polish Academy of Sciences,
Warsaw, Poland
Advisory Editors
Fernando Gomide, Department of Computer Engineering and Automation—DCA,
SchoolofElectricalandComputerEngineering—FEEC,UniversityofCampinas—
UNICAMP, São Paulo, Brazil
Okyay Kaynak, Department of Electrical and Electronic Engineering,
Bogazici University, Istanbul, Turkey
Derong Liu, Department of Electrical and Computer Engineering, University
of Illinois at Chicago, Chicago, USA
Institute of Automation, Chinese Academy of Sciences, Beijing, China
WitoldPedrycz,DepartmentofElectricalandComputerEngineering,Universityof
Alberta, Alberta, Canada
Systems Research Institute, Polish Academy of Sciences, Warsaw, Poland
Marios M. Polycarpou, Department of Electrical and Computer Engineering,
KIOSResearchCenterforIntelligentSystemsandNetworks,UniversityofCyprus,
Nicosia, Cyprus
Imre J. Rudas, Óbuda University, Budapest, Hungary
Jun Wang, Department of Computer Science, City University of Hong Kong,
Kowloon, Hong Kong
The series “Lecture Notes in Networks and Systems” publishes the latest
developmentsinNetworksandSystems—quickly,informallyandwithhighquality.
Originalresearchreportedin proceedings andpost-proceedings represents thecore
ofLNNS.
VolumespublishedinLNNSembraceallaspectsandsubfieldsof,aswellasnew
challenges in, Networks and Systems.
The series contains proceedings and edited volumes in systems and networks,
spanning the areas of Cyber-Physical Systems, Autonomous Systems, Sensor
Networks, Control Systems, Energy Systems, Automotive Systems, Biological
Systems, Vehicular Networking and Connected Vehicles, Aerospace Systems,
Automation, Manufacturing, Smart Grids, Nonlinear Systems, Power Systems,
Robotics,SocialSystems,EconomicSystemsandother.Ofparticularvaluetoboth
the contributors and the readership are the short publication timeframe and
the world-wide distribution and exposure which enable both a wide and rapid
dissemination of research output.
Theseriescoversthetheory,applications,andperspectivesonthestateoftheart
andfuturedevelopmentsrelevanttosystemsandnetworks,decisionmaking,control,
complex processes and related areas, as embedded in the fields of interdisciplinary
andappliedsciences,engineering,computerscience,physics,economics,social,and
lifesciences,aswellastheparadigmsandmethodologiesbehindthem.
Indexed by SCOPUS, INSPEC, WTI Frankfurt eG, zbMATH, SCImago.
AllbookspublishedintheseriesaresubmittedforconsiderationinWebofScience.
For proposals from Asia please contact Aninda Bose ([email protected]).
More information about this series at https://link.springer.com/bookseries/15179
Bahaaeddin Alareeni Allam Hamdan
(cid:129)
Editors
Financial Technology
(FinTech), Entrepreneurship,
and Business Development
Proceedings of The International Conference
on Business and Technology (ICBT 2021)
123
Editors
Bahaaeddin Alareeni Allam Hamdan
Middle EastTechnical University, Collegeof Business of Finance
Northern CyprusCampus, KKTC, AhliaUniversity
via Mersin 10,Kalkanlı,Güzelyurt,Turkey Manama, Bahrain
ISSN 2367-3370 ISSN 2367-3389 (electronic)
Lecture Notesin Networks andSystems
ISBN978-3-031-08086-9 ISBN978-3-031-08087-6 (eBook)
https://doi.org/10.1007/978-3-031-08087-6
©TheEditor(s)(ifapplicable)andTheAuthor(s),underexclusivelicense
toSpringerNatureSwitzerlandAG2022
Thisworkissubjecttocopyright.AllrightsaresolelyandexclusivelylicensedbythePublisher,whether
thewholeorpartofthematerialisconcerned,specificallytherightsoftranslation,reprinting,reuseof
illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and
transmissionorinformationstorageandretrieval,electronicadaptation,computersoftware,orbysimilar
ordissimilarmethodologynowknownorhereafterdeveloped.
The use of general descriptive names, registered names, trademarks, service marks, etc. in this
publicationdoesnotimply,evenintheabsenceofaspecificstatement,thatsuchnamesareexemptfrom
therelevantprotectivelawsandregulationsandthereforefreeforgeneraluse.
The publisher, the authors, and the editorsare safeto assume that the adviceand informationin this
book are believed to be true and accurate at the date of publication. Neither the publisher nor the
authors or the editors give a warranty, expressed or implied, with respect to the material contained
hereinorforanyerrorsoromissionsthatmayhavebeenmade.Thepublisherremainsneutralwithregard
tojurisdictionalclaimsinpublishedmapsandinstitutionalaffiliations.
ThisSpringerimprintispublishedbytheregisteredcompanySpringerNatureSwitzerlandAG
Theregisteredcompanyaddressis:Gewerbestrasse11,6330Cham,Switzerland
Foreword
IamdelightedtowritethisforewordforTheInternationalConferenceonBusiness
and Technology (ICBT 2021) proceedings. I deeply believe in the role of such a
conference and other similar scientific forums in bringing together leading aca-
demicians,scholars,andresearcherstosharetheirknowledgeandnewideasaswell
as to discuss current developments in the fields of economics, business, and tech-
nology. ICBT 2021 provides a valuable window on the implementation of tech-
nologies such as artificial intelligence, IoT, and innovation in business
development. For two days, a large number of distinguished researchers and guest
speakers discussed many contemporary issues in business and technology around
the world. It is a great privilege for the College of Business and Economics at
Palestine Technical University-Kadoorie, Palestine, to co-publish this book for the
sakeofpromotingexcellentandcutting-edgeresearchbyscholarsfromaroundthe
globe. Ihave astrongfaith that thisbook will beofgreat benefitfor many parties,
especially those aspiring to develop buoyant strategies that will lead to positive
impact on any future endeavors. Finally, I hope that the ICBT’21 continues as a
destination for researchers, postgraduate students, and industrial professionals.
Khalid Sweis
v
Preface
The present business environment has been tumultuous due to the emerging new
challenges resulting from innovative development and disruptive technology.
Consumer demands for innovative products and services have urged business fra-
ternity to be responsive and resilience in combating those new requirements.
TheFourthIndustrialRevolutionischaracterizedbythecombinationofphysical
and digital technologies, such as analytics, artificial intelligence, cognitive com-
puting, machine learnings, and the Internet of Things (IoT). This would certainly
impact the company’s business direction, the future industries, the customers, the
employees,andthesocietyatlarge.Theadvancingtechnologiesarebringingabout
social changes and economic development. As such, organizations are required to
adapt to the new environment and strengthen their strategies despite the risk and
uncertainty in the environment. New business integration strategies must be
leveraged to ensure companies continue to sustain.
To anticipate the rapid change, education is set forth to be more innovative in
offeringthefuturereadycurriculum.Assuch,educationorganizationsandscholars
areexpectedtobemalleableandcreativeindesigningnewcurriculumthatembrace
new technologies, integrating strong entrepreneurship values, fostering positive
values and socio-emotional skills throughout the curriculum in order to produce
quality and competent future human capitals that are ready to serve the future
industries.
Theintegrationbetweentechnologyandbusinessshouldbewellmanagedsoto
provide a wide range of high-quality and competitive products and services in
societies and countries. Therefore, the objective of this book proceedings is to
conduct a review, examine, analysis, and discussion relating to the fields of busi-
nessandtechnologiesandtheiropportunitiesandchallenges.Weattempttoaddress
a range of topics in the fields of technology, entrepreneurship, business adminis-
tration, accounting, economics that can contribute to business development in
countries,suchaslearningmachines,artificialintelligence,bigdata,deeplearning,
game-based learning, management information system, accounting information
system, knowledge management, entrepreneurship and social enterprise, corporate
social responsibility and sustainability, business policy and strategic management,
vii
viii Preface
international management and organizations, organizational behavior and HRM,
operations management and logistics research, controversial issues in management
and organizations, turnaround, corporate entrepreneurship, and innovation, legal
issues, business ethics, and firm governance, managerial accounting and firm
financial affairs, non-traditional research, and creative methodologies.
This book constitutes the refereed proceedings of the International Conference
on Business and Technology (ICBT 2021) organized by EuroMid Academy of
Business&Technology(EMABT),heldinIstanbul,between06and07November
2021.TheICBT2021partnersandsupporterswere:UniversitiMalaysiaKelantan–
Malaysia; National University of Life and Environmental Sciences of Ukraine–
Ukraine; ARCIF Analytics; E-MAREFA–Jordan; Palestine Technical University–
Kadoorie,Palestine;andthePalestinianCommunityAssociationForPh.D.Holders
in the Public Service, Palestine.
InresponsetothecallforpapersforICBT2021,485papersweresubmittedfor
presentation and inclusion in the proceedings of the conference. After a careful
blind-refereeing process, 292 papers were selected for inclusion in the conference
proceedings from 40 countries. Each of these chapters was evaluated through an
editorial board, and each chapter was passed through a double-blind peer-review
process.
These chapters are reflecting quality research contributing theoretical and
practical implications, for those who wise to apply the technology within any
business sector. It is our hope that the contribution of this book will be of the
academiclevelwhichevendecision-makersinthevariouseconomicandexecutive
levels will get to appreciate.
Finally, we express our sincere thanks to the plenary speakers; Prof. Carolyn
Strong, Editor in-Chief, Journal of Strategic Marketing from Cardiff
University-UK; Prof. Khaled Hussainey, Co-Editor in-Chief, Journal of Financial
Reporting and Accounting, from University of Portsmouth-UK; Prof. Timothy
Mescon, Executive VP and Chief Officer-Europe, Middle East and Africa at
AACSB International AACSB International–USA; Prof. Roselina Ahmad Saufi
fromUniversitiMalaysiaKelantan–Malaysia;Prof.MuniraAminova,Experienced
HigherEducationmanagementleaderwithademonstratedhistoryofworkinginthe
research industry, from United Business Institutes-Belgium; Prof. Mohammad
KabirHassan,Editorin-Chief,InternationalJournalofIslamic andMiddleEastern
Finance and Management, University of New Orleans-USA; and Prof. Derar
Eleyan, President Assistant of Palestine Technical University Kadoorie-Palestine.
Bahaaeddin Alareeni
Allam Hamdan
Contents
Fourth Industrial Revolution and Financial Technology FinTech
4IR and Women Empowerment in India . . . . . . . . . . . . . . . . . . . . . . . . 3
Anita Rani Chopra and Harsh Purohit
Financial Technology (FinTech) Innovations and the Future of
Financial Institutions (FIs) in Palestine “An Exploratory Study”. . . . . . 15
Wael Al-Daya, Sedeaq Nassar, and Mohammed Al-Massri
AThoroughAnalysisofthePerceivedRiskandCustomerAcceptance
of Mobile Banking Apps. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 35
Mohannad Moufeed Ayyash
The Impact of Fintech in Entrepreneurship Development: The
Moderation Role of Banking During Crisis . . . . . . . . . . . . . . . . . . . . . . 51
Fatima Alyaqoot, Allam Hamdan, and Amani Al Abbas
The Factor Drive Consumer Perceptions Towards Banking 4.0. . . . . . . 61
N. M. Said, S. A. Zainuddin, N. A. M. Nasir, T. Abdullah,
M. N. H. Yusoff, M. R. Yasoa, and S. F. Muhamad
The Potential Application of Augmented Reality (AR) for Conserving
the British Pillbox in Kelantan. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 73
Nur Farhana Shuhaimi, Nur Athmar Hashim, Siti Aisyah Muhammad,
and Tengku Fauzan Tengku Anuar
Systems Thinking, Simulation and Cyber Security
Simulation of Comprehensive Assessments of Personnel Innovation
Development Management System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 95
Novykova Innola, Chornyi Roman, Chorna Nelia, Bey Roman,
and Leszczynski Viktor
ix
x Contents
Educational Supply Chain Management: A Review Paper. . . . . . . . . . . 109
Nur Shahida Binti Mat Ishah, Khai Loon Lee, and Gusman Nawanir
Systems Thinking to Investigate the Archetype of Globalization . . . . . . 123
ReznikNadiia,IjazYusuf,Kushik-StrelnikovYaroslav,BarabashNataliia,
Stetsko Mykola, and Bielienkova Olha
A Review on Furniture Design Cases Embedded with Chinese
Elements. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 141
Guo Shuang and Ahmad Rasdan Bin Ismail
The Challenges of Measuring the Quality of Information Systems
in the Private vs Public Sector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 149
Frank Febiri and Miloslav Hub
A Review on the Importance of Safety Leadership Role on Safety
Climate and Safety Performance in High Risk Industry . . . . . . . . . . . . 159
Nor Azma Rahlin, Ayu Suriawaty Siti Aisyah Bahkiar, Zainudin Awang,
Sidah Idris, Jaratin Lily, and Roslida Addul Razak
WhatDrivesTrustonFoodpandaDeliveryServiceDuringCOVID-19
Pandemic? From the Perspective of Product Information, After Sales
Service, and Payment Security. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 173
Sathiswaran Uthamaputhran, Azlinda Shazneem Md. Shuaib,
Yusrinadini Zahirah Md Isa, Hazriah Hasan, and Solomon Gbene Zaato
Review on the Application of Interactive Design in the Design of
Modern Furniture Products . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 189
Xinghua Xia and Ahmad Rasdan Ismail
The Covid-19 Pandemic and the Impact of Technology Applications
in Business and Social Life
Combating COVID-19 inIndonesia:LocalGovernment Use ofSmart
City System Support . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 205
Dodik Siswantoro
Role of Medical Libraries for Implementing Knowledge Management
During Covid-19 Pandemic: An Empirical Study. . . . . . . . . . . . . . . . . . 219
Raiyan Bin Reza, Md. Rifat Mahmud, Sk Mamun Mostofa,
and Roslina Othman
COVID-19 Informative Tweets Identification Through Word-by-
Word Lexicon Replacement Using Pretrained Biomedical Corpus. . . . . 237
Rami Naim Mohammed Yousuf
TheImpactoftheCoronaPandemiconthePerformanceofPalestinian
CommercialBanksListedonthePalestineStockExchange........... 247
Tamer Bahjat Hussain Sabri, Mohammed Shafea Mustafa Maali,
and Khalid Mohammad Hasan Sweis
Contents xi
Development of Family Entrepreneurship in the Conditions of
Influence of Covid-19 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 267
Mamchur Volodymyr, Yuriy Tetiana, Ilin Valerii, Bezhenar Inna,
Malik Mykola, and Generalov Oleksandr
Learning Continuity During the Novel Coronavirus (COVID-19):
A Case Study of Arts Faculty Students at University of Dhaka . . . . . . . 277
S. K. Mamun Mostofa, Khandakar Kamrul Hasan, Debarshi Mukherjee,
Kazi MostakGausul Hoq, and Roslina Othman
The Impact of Conditional Conservatism on Bank Loan During
Pandemic Covid 19 in the Asia Pacific Countries. . . . . . . . . . . . . . . . . . 297
Yossi Diantimala, Ridwan Ridwan, Darwanis Darwanis,
and Muhammad Arfan
Post-COVID-19LearningContext:TheImpactofRemoteLeadership
on Blended Learning in Higher Education. . . . . . . . . . . . . . . . . . . . . . . 311
Brihan Fatin Yehia, Mahmoud Elsawy, and Asaad Ali Karam
Social-psychological Economic Impact of Covid-19 on SME’S in
Kelantan: A Review . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 331
A. S. Roselina, P. P. Yukthamarani, Z. Noor Raihani, and C. Siew Shean
Embracing the Hub Model for Sustainable Distribution System of
Farm Produce During the Pandemic Crisis . . . . . . . . . . . . . . . . . . . . . . 343
Noor Fzlinda Fabeil, Khairul Hanim Pazim, Juliana Langgat,
and Nurhayati Daut
The Internationalization of Malaysian Food and Beverage Industry
During Corona (COVID-19) Pandemic: A Study from Technological
Capabilities Perspective . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 353
Hayda Abu Hasan and Sathiswaran Uthmaputhran
CrisisResponseStrategies:AComparisonBetweenNewZealandand
Croatia in Responding to Covid-19 Crisis During First Wave
of Crisis . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 369
Manimegalai Ambikapathy and Nurul Syafinaz
Potential of Cyberpreneurship Adoption Towards COVID-19
Situational Poverty Eradication Among Single Mothers in Malaysia . . . 379
Tengku Fauzan Tengku Anuar, Salini Aina Mamat,
Tuan Muhammad Zukri Tuan Sembok, Farrah Atikah Saari,
Nur Athmar Hashim, W. A. Amir Zal Wan Ismail,
Nurhanan Abdul Rahman, Azwan Abdullah, Siti Aisyah Muhammad,
and Sabrina Benghida
