ISSN: 2225-8329
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The current study proposes a comprehensive framework that examines the impacts of digital financial inclusion, represented by digital financial access, usage, and quality, on the competitive advantage of Jordanian Islamic banks (JIB). It particularly focuses on the Technology Acceptance Model (TAM) as a mediating variable and sheds light on usefulness and ease of use as the main factors of TAM. This framework explores how customer acceptance of digital financial services enhances Islamic banks' market positioning, operational efficiency, and customer experience. Furthermore, the study addresses the gap in the literature by connecting digital financial access, usage, and quality with competitive advantage in the Islamic finance sector, particularly in developing countries like Jordan. Additionally, by extending TAM within the scope of Islamic banking in Jordan, the study offers both a theoretical contribution and practical implementation for practitioners, policymakers, and bank managers aiming to enhance digital finance adoption and overall digital financial inclusion while complying with Shariah principles.
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