Search Results for Fatima H. Kadhim
Abstract
The proliferation of digital payments has led to a surge in the number of users of virtual currencies in their transactions. This paper explores the reasons behind the widespread adoption of digital payments, their characteristics, and their potential global impact. It also analyzes the risks and challenges associated with digital payments, how to protect customer privacy and data, and how to improve payment methods based on user experiences. The paper focuses on discussing the impact of digital payments on the financial sector, comparing and analyzing their advantages and disadvantages, and exploring their direct and indirect effects on financial services and cash. Furthermore, it analyzes the habits of consumers using digital payments and whether these habits will gradually change. Based on research, study, and analysis, this paper aims to fill a significant gap in the literature on user-centric innovation and provide a comprehensive view of the role of society in the innovation process of digital payments. Finally, it examines whether and how household adoption of digital payments influences spending decisions.
Abstract
This study aims to identify the importance of intellectual capital and its impact on achieving organizational mindfulness. It represents a serious scientific endeavor to bridge or reduce the knowledge gap in understanding the nature of the relationship between these variables within educational organizations by surveying the opinions of the target sample at Al-Mustaqbal University. The study's theoretical framework is based on the premise that intellectual capital is one of the most important intangible resources possessed by contemporary universities and that effective investment in its dimensions contributes to enhancing an organization's ability to anticipate changes, adapt, and make sound decisions. Organizational mindfulness also represents an important strategic resource that enables organizations to confront environmental changes and rapidly evolving challenges with a high degree of efficiency and flexibility. Accordingly, the research problem was formulated around the following central question: What is the impact of intellectual capital on organizational mindfulness at Al-Mustaqbal University? This question was translated into a hypothetical model comprising two main variables. The first, the independent variable, is intellectual capital, with its three dimensions: human capital, structural capital, and relational capital. The second, the dependent variable, is organizational mindfulness, with its dimensions: sensitivity to operations, reluctance to simplify interpretations, resilience, and deference to expertise. The researchers sought to achieve the study's objectives by adopting the descriptive-analytical approach to data collection and analysis, drawing on multiple sources, most notably a questionnaire as the primary data collection instrument. The questionnaire was distributed to a random sample of 150 members of Al-Mustaqbal University, drawn from a population of 200 individuals. All questionnaires were deemed valid for statistical analysis. The data were processed using several statistical methods with the aid of the Statistical Package for the Social Sciences (SPSS). The study yielded several statistical findings, most notably a significant positive correlation and a positive effect between intellectual capital and organizational mindfulness. This indicates that developing the dimensions of intellectual capital contributes effectively to enhancing organizational mindfulness within the university, thereby supporting its ability to respond to changes and improve institutional performance.