Decentralized cryptocurrencies, such as bitcoin, use peer-to-peer software protocol, disintermediating the traditional intermediaries that used to be banks and other financial intermediaries, effectuating cross-border transfer. In fact, by removing the requirement for a middleman, the technology has the potential to disrupt current financial transactions that rely on a trusted authority or intermediary operator. Traditional financial regulation, primarily based on the command-and-control approach, is ill-suited to regulating decentralized cryptocurrencies. The present paper aims to investigate the policy option most suitable for regulating decentralized cryptocurrencies. The study employs content analysis method to effectuate the purpose of the study. The paper argues that the combination of both direct and indirect regulatory approaches would be a feasible option for regulating decentralized cryptocurrencies. The absence of centralized authority and the borderless nature of decentralized cryptocurrencies would make them antithetical to centralized direct regulation. Therefore, the findings of the study suggest that regulators should focus on regulating intermediaries bridging the connection between the online world (crypto ecosystem) and the physical world (the point of converting crypto into fiat money). These intermediaries can work as passive actors or surrogate regulators who are indirectly responsible for implementing policy options on behalf of the central authority.

This study examined the role of cryptocurrencies in tourism and their acceptance across EU regions, with particular attention to the digital transformation precipitated by the COVID-19 pandemic. The analysis focuses on the relationship between cryptocurrency acceptance points and the intensity of tourism, highlighting that the acceptance of cryptocurrencies is significantly correlated with tourism services. The literature review highlighted that Web 3.0, especially blockchain technology and decentralized applications, opens new possibilities in tourism, including secure and transparent transactions, and more personalized travel experiences. The research investigated cryptocurrency acceptance points and the intensity of tourism within the EU. The study illuminates that the acceptance of cryptocurrencies significantly correlates with tourism services. The data and methodology demonstrated the analysis methods for examining the relationship between cryptocurrency acceptance points and tourism intensity, including the use of clustering neural networks and Eurostat data utilization. The results showed a positive correlation between the number of cryptocurrency acceptance points and tourism intensity in the EU, affirming the research hypothesis. According to the regression analysis results, each additional cryptocurrency acceptance point is associated with an increase in tourism intensity. The significance of the research lies in highlighting the growing role of digital payment solutions, especially cryptocurrencies, in tourism, and their potential impacts on the EU economy. The analysis supports that the intertwining of tourism and digital financial technologies opens new opportunities in the sector for both providers and tourists.

The purpose of this study is to explore factors influencing the blockchain adoption in agricultural supply chains, to make a particular focus on how security and privacy considerations, policy support, and management support impact the blockchain adoption intention. it further investigates perceived usefulness as a mediating variable that potentially amplifies the effects of these factors on blockchain adoption intention, and sets perceived cost as a moderating variable to test its influence on the strength and direction of the relationship between perceived usefulness and adoption intention. through embedding the cost-benefit theory into the integrated tam-toe framework and utilizing the partial least squares structural equation modeling (PLS-SEM) method, this study identifies the pivotal factors that drive or impede blockchain adoption in the agricultural supply chains, which fills the gap of the relatively insufficient research on the blockchain adoption in agriculture field. the results further provide empirical evidence and strategic insights that can guide practical implementations, to equip stakeholders or practitioners with the necessary knowledge to navigate the complexities of integrating cutting-edge technologies into traditional agricultural operations, thereby promoting more efficient, transparent, and resilient agricultural supply chains.

The problem of the current study is to study the moderating role of Blockchain technology on the impact of the use of financial technology (FinTech) on the competitive advantage of Jordanian banks. Quantitative analysis is appropriate. The study population consists of (600) employees in three banks at Jordan (Arab Bank, Islamic Bank, Ahli Bank) with its branches in various governorates. A questionnaire was developed to collect study data and distributed electronically. The number of participants was (240) respondents. The study confirms that there is an impact of the mediating role of Blockchain technology in the impact of the use of financial technology (FinTech) on competitive advantage. The study recommends increasing spending on financial technology applications to improve banking services provided to customers, especially through electronic applications and technologies. The study also recommends rebuilding current banking systems using Blockchain technology, which will remove the central database structure and replace it with a decentralized data environment via the blockchain, thus reducing the risk of database hacking. Since transactions via blockchain technology are verified by every node of the chain, it will make transactions more secure which will make the world’s banking systems faster and more secure.

This research aims to investigate the factors shaping the investment choices of individuals in Saudi Arabia concerning cryptocurrencies, particularly focusing on the influence of the Fear of Missing Out (FOMO) psychological phenomenon. This study employs a mixed-methods approach to comprehend the factors influencing Saudi investors' decisions in the cryptocurrency realm. Quantitative surveys are conducted to gauge perceptions of risk, return, regulatory factors, and social influence. Additionally, qualitative interviews delve into the nuanced interplay of these elements and the impact of FOMO on decision-making. Integrating the Theory of Planned Behavior and Behavioral Finance theories, this research offers a holistic understanding of cryptocurrency investment determinants. The combined quantitative and qualitative methods provide a comprehensive view, enabling an in-depth analysis of the subject matter. The study reveals that Saudi Arabian investors' decisions regarding cryptocurrencies are significantly influenced by multiple factors, including perceived risk, potential return, regulatory environment, and social dynamics. FOMO emerges as a crucial psychological factor, interacting with these influences and driving decision-making. This research underscores the intricate interplay between these factors and FOMO, shedding light on the dynamics of cryptocurrency investment choices in the Saudi Arabian market. The findings hold implications for policymakers, financial institutions, and investors seeking deeper insights into this evolving landscape. Drawing from the Theory of Planned Behavior and Behavioral Finance, it examines perceived risk, return, regulatory factors, and social influence in influencing cryptocurrency investment choices among Saudi investors, focusing on the influence of Fear of Missing Out (FOMO).  The research outcome provides insights for policymakers, financial institutions, and investors seeking to understand cryptocurrency investment dynamics in Saudi Arabia.

This study critically examines the relationship between Total Quality Management (TQM) and Service Quality (SQ) within Dubai’s housing sector, with a specific focus on the moderating influence of blockchain technology (BT) in this relationship. Employing a quantitative approach grounded in a deductive research strategy and positivist epistemology, data were gathered from a sample of industry professionals and subjected to rigorous analysis using Partial Least Squares Structural Equation Modeling (PLS-SEM). The findings indicate that the deliberate deployment of TQM methodologies leads to significant improvements in SQ metrics, and the catalytic role of BT further enhances these service quality improvements. The study highlights the transformative potential of BT in recalibrating conventional paradigms of service delivery within the housing sector. Specifically, the analysis reveals that BT plays a pivotal moderating role in the relationship between TQM practices and SQ outcomes, thereby enriching our comprehension of the intricate interplay between these constructs. The study concludes by furnishing nuanced insights into the multifaceted dynamics shaping SQ within the housing sector, while also delineating avenues for future inquiry.