The study’s goal was to investigate the impact of e-learning determinants on student satisfaction and intention to use e-learning tools. The dependent and independent variables in this study were based on the technological acceptance model. The study examines three determinants, including usefulness, ease of use, and facilitating conditions, as independent variables, while student satisfaction and intention to use were used as dependent variables. Additionally, this study is unique by adding student satisfaction as a dependent variable and a mediator to examine the relationship between e-learning determinants and intention to use. A questionnaire was prepared and distributed to 324 undergraduate students from Jordan’s private universities on the basis of a convenience sample. The proposed hypotheses were investigated using the quantitative techniques of regression in SPSS and SEM in AMOS. The findings of this study revealed that student satisfaction and intention to use e-learning were positively impacted by e-learning determinants. It found that intention to use was positively impacted by student satisfaction. Furthermore, e-learning intention to use was found to be positively impacted by e-learning determinants via student satisfaction. Universities and other educational institutions are advised to identify the appropriate e-learning determinants that satisfy students’ demands and motivate them to use e-learning tools in light of the study’s findings. Private universities can accomplish their goals, stay ahead of the competition, and obtain a competitive advantage by properly understanding e-learning determinants, student satisfaction, and the application of successful e-learning solutions.

Iran has one of the oldest civilizations in the world, and many elements of today’s urban planning and design have their origins in the country. However, mass country-city migration from the 1960s onwards brought enormous challenges for the country’s main cities in the provision of adequate housing and associated services, resulting in a range of sub-standard housing solutions, particularly in Tehran, the capital city. At the same time, and notably in the past decade, Iran’s main cities have had significant involvement in the smart city movement. The Smart Tehran Program is currently underway, attempting to transition the capital towards a smart city by 2025. This study adopts a qualitative, inductive approach based on secondary sources and interview evidence to explore the current housing problems in Tehran and their relationship with the Smart Tehran Program. It explores how housing has evolved in Tehran and identifies key aspects of the current provision, and then assesses the main components of the Smart Tehran Program and their potential contribution to remedying the housing problems in the city. The article concludes that although housing related issues are at least being raised via the new smart city technology infrastructure, any meaningful change in housing provision is hampered by the over centralized and bureaucratic political system, an out of date planning process, lack of integration of planning and housing initiatives, and the limited scope for real citizen participation.

Alfalfa is considered the most used forage crop in the world, its main use is for cattle feeding, due to its high nutritional value, specifically in protein and digestible fiber. Currently, the trend in agriculture is to reduce the application of chemicals and among them are fertilizers that pollute soil and water, so the adoption of new technologies and other not so new is becoming a good habit among farmers. Nanotechnology in the plant system allows the development of new fertilizers to improve agricultural productivity and the release of mineral nutrients in nanoforms, which has a wide variety of benefits, including the timing and direct release of nutrients, as well as synchronizing or specifying the environmental response. Biofertilizers are important components of integrated nutrient management and play a key role in soil productivity and sustainability. While protecting the environment, they are a cost-effective, environmentally friendly and renewable source of plant nutrients to supplement chemical fertilizers in the sustainable agricultural system. Nanotechnology and biofertilization allow in a practical way the reduction in the application of chemicals, contributing to the sustainability of agriculture, so this work aims to review the relevant results on biofertilization, the use of nanotechnology and the evaluation of the nutritional composition of alfalfa when grown with the application of biofertilizers.

The rapid advancement of financial technology (Fintech) has revolutionized the way financial transactions are conducted, with E-payment services becoming increasingly integral to daily commerce. This paper examines consumer perceptions and attitudes towards E-payment services offered by Fintech companies, identifying key factors that influence their acceptance and usage. Employing a quantitative approach, the research integrates quantitative data from surveys and applied SEM (Structural Equation Modelling) through AMOS. Out of 450, 420 respondents have given their views on perceptual preferences and attitudes with the help of SPSS. KMO and Bartlett’s Test are executed to understand and to check the factors for implementing factor analysis further through extractions. Anticipated findings are expected to reveal a spectrum of consumer attitudes shaped by factors such as trust, security, convenience, and technological familiarity. It contributes to the existing literature by providing updated insights into consumer behaviour in the Fintech sector and suggesting actionable strategies for service providers to enhance user engagement and satisfaction. It holds the potential to inform both theoretical frameworks in technology acceptance and practical marketing strategies for Fintech companies aiming to optimize E-payment services for diverse consumer bases.

In the contemporary landscape characterized by technological advancements and a progressive economic environment, the utilization of currency has undergone a paradigm shift. Despite the growing prevalence of digital currency, its adoption among the Vietnamese population faces several challenges, including limited financial literacy, concerns over security, and resistance to change from traditional cash-based transactions. This research aims to identify these challenges and propose solutions to encourage the widespread use of digital currency in Vietnam. This research adopts a quantitative approach, utilizing Likert scale questionnaires, with a dataset of 330 records. The interrelationships among variables are analyzed using partial least squares structural equation modeling (PLS-SEM). The analysis results substantiate the viability of the research model, confirming the hypotheses. The findings demonstrate a positive relationship and the significance impact of factors such as perceived usefulness (PU), perceived ease of use (PEOU), perceived trust (PT), social influence (SI), openness to innovation (OI), and financial knowledge (FK) to intention to use digital currency (IUDC). Thereby aiming to inform policymakers, industry stakeholders, and the wider community, fostering a deeper understanding of consumer behavior and providing solutions to enhance the adoption of digital currency in the evolving landscape of digital finance.