The advent and incorporation of technology in businesses have reformed operations across industries. Notably, major technical shifts in e-commerce aim to influence customer behavior in favor of some products and brands. Artificial intelligence (AI) comes on board as an essential innovative tool for personalization and customizing products to meet specific demands. This research finds that, despite the contribution of AI systems in e-commerce, its ethical soundness is a contentious issue, especially regarding the concept of explainability. The study adopted the use of word cloud analysis, voyance analysis, and concordance analysis to gain a detailed understanding of the idea of explainability as has been utilized by researchers in the context of AI. Motivated by a corpus analysis, this research lays the groundwork for a uniform front, thus contributing to a scientific breakthrough that seeks to formulate Explainable Artificial Intelligence (XAI) models. XAI is a machine learning field that inspects and tries to understand the models and steps involved in how the black box decisions of AI systems are made; it provides insights into the decision points, variables, and data used to make a recommendation. This study suggested that, to deploy explainable XAI systems, ML models should be improved, making them interpretable and comprehensible.

As a result of the growing use of the Internet and developing advanced technology systems globally, there has been an apparent increase in the usage of online banking system across the world, accompanied by widespread incidents of fraud and attack. This paper gives a simple description of the online banking mechanism and the nature of the attacks that involved in the process of conducting an online transaction through a computer, along with the security models and measures that can be used to block the threats.

Most retailers are integrating their practices with modern technologies to enhance the effectiveness of their operations. The adoption of technology aims to enable businesses to accurately meet customer needs and expectations. This study focused on examining the role of mobile application (app) acceptance in shaping customer electronic experience. A mixed method was adopted, in which qualitative data were collected using interviews, and quantitative data were gathered using the questionnaires. The results indicate that mobile app acceptance contributes to a positive customer experience while purchasing products and services from online retailers. Mobile apps are associated with benefits, such as convenience, ease of use, and the ability to access various products and services. With the rapid development in technology, e-commerce retailers should leverage such innovations to meet customer needs.

Digital innovation in small and medium-sized enterprises (SMEs) has been studied extensively over the past quarter-century. The products, processes, and/or model innovation in businesses that are viewed as novel necessitate significant alterations from consumers and are represented in or facilitated by IT; this is what it means when digital innovation is mentioned. Nonetheless, despite the unique application of digital innovation in different organizations, the factors that lead to its success are still uncertain. Therefore, this study aims at evaluating the various factors that affect the digital innovation of SMEs in the Middle East region. This research used a descriptive research design in which primary data from the SME owners and employees were used to evaluate the research objectives. Descriptive statistics, such as frequencies and structural equation models conducted through SPSS, were used to evaluate the research objectives in showing how various factors such as the Internet of Things (IoT; physical objects and things with sensors, software, and other technological techniques integrated into them for the purpose of exchanging data and connecting with other systems and devices), digital platforms, and digital orientation have influenced digital innovation sustainability in SMEs. Results showed a positive and substantial impact on digital innovation sustainability as a result of the IoT, digital platforms, and digital orientation. In conclusion, the research shows that SMEs should use digital platforms, the IoT, and digital orientation to be digitally stable.

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