Does financial awareness increase the acceptance rate for financial inclusion? An empirical examination in the era of digital transformation Available to Purchase

Manaf Al-Okaily serves as Assistant Professor of Accounting Information Systems (AIS) at Jadara University, Jordan. Al-Okaily earned his Doctor of Philosophy in AIS from University Malaysia Terengganu, Malaysia. His current research interest is in the domain of digital transformation in accounting and finance, intelligent accounting systems, as well as FinTech Services acceptance and adoption. Al-Okaily has published more than 35 scholarly articles in reputable and leading academic journals including Information Technology & People, Technology in Society, EuroMed Journal of Business, Kybernetes Journal, VINE Journal and the TQM Journal. On top of that, he has reviewed several referred articles in highly ranked journals (e.g. Scopus and Clarivate Analytics).

Hamza Alqudah currently works as the Head of the Accounting Department at the Irbid National University, Jordan. Hamza does research in several areas including Accounting, Finance Management, Auditing, and Information Technology. Hamza works as supervisor and examiner for several master's students.

Anas Ali Al-Qudah currently works as Acting Dean of the Faculty of Business at Liwa College of Technology (formerly: Emirates College of Technology). He is a specialist in Accounting and Finance, FinTech. Anas does research in accounting, finance, social entrepreneurship, sustainable development, and economic growth. Also, he is leading some special issues in the Fintech field with some ranked Journals as a guest editor, in addition to his role as a reviewer in many ranked Journals (e.g., Scopus and Clarivate Analytics).

Naim S. Al-Qadi is Associate Professor at Amman University College for Financial & Administrative Sciences, affiliated Al-Balqa' Applied University, Jordan. His Bachelor's and Master's Degrees are in Finance & Credit from Donetsk National University, USSR. AL-Qadi is a PhD bearer from the Institute of Oriental Studies, USSR. His research field interests are finance and financial social capital, economics, electronic banking, Internet banking and mobile banking, entrepreneurship and business skills. However, AL-Qadi is former Dean of Amman University College and now is Faculty Member at Al-Balqa Applied University.

Dr Hamzah Elrehail serves as Assistant Professor of Management at Abu Dhabi School of Management, Abu Dhabi, United Arab Emirates. His research spans into leadership, HRM, innovation management, knowledge management and strategy. He published several papers in ISI and Scopus indexed journals such as Computers in Human Behaviour, Telematics and Informatics, Journal of Workplace Learning, Journal of Information Technology, Journal of Innovation and Knowledge and Journal of Intellectual Capital.

Aws Al-Okaily is Research Assistant and PhD candidate in Accounting Information Systems at Universiti Sains Malaysia Graduate School of Business. He graduated with an MPhil in Accounting Information Systems from Universiti Malaysia Terengganu in 2020 and a Bachelor of Accounting from Hashemite University in 2017. The emphasis of his research lies in intelligent technology of accounting, business and finance. His research publications have appeared in reputed international journals such as EuroMed Journal of Business, TQM Journal, VINE Journal, Kybernetes Journal, Information Discovery and Delivery and amongst others. He also has served as a peer reviewer for numerous publications in leading academic journals.