BUSINESS INTELLIGENCE ADOPTION IN JORDANIAN E-BANKING: UNVEILING KEY DRIVERS AND CHALLENGES

Abstract

The study examines decisive elements affecting Business Intelligence (BI) acceptance within e-banking operations in Jordan by analyzing how IT infrastructure, data analytics competency, cybersecurity preparedness, and regulatory alignment impact the process. A series of questions were asked to 374 staff members from IT departments and compliance teams, as well as data analysis divisions representing Islamic and commercial banks in Amman, Jordan. The research period spanned from March to July 2024, while SEM was the analysis method. The study found that IT infrastructure (β = 0.38, p < 0.001) and data analytics capability (β = 0.45, p < 0.001), along with cybersecurity (β = 0.41, p < 0.001), positively influence BI adoption. The impact of regulatory compliance failed to reach statistical significance with a coefficient of 0.22 (p = 0.07). The success of BI implementation in Jordanian banks relies mainly on technology hardware capabilities, together with internal company resources, yet strict regulations pose obstacles unless they support a bank’s mission. The business solutions identified through this research will help banking leaders and software developers, together with government officials, to improve data-driven decision systems in Jordan’s financial market.