The objective of the present study is to identify which are the risk factors that influence the intention to continue using Internet banking in Malaysia. The primary participants are personal Internet banking users in Peninsular Malaysia. Data was collected through a self-administered questionnaire which employed the drop-off and pick-up (DOPU) technique. The questionnaires were distributed through this method to the respective bank branch managers who were willing to distribute to their customers. A total of 413 respondents completed the questionnaires as requested. The SPSS statistical analysis package and partial least squares were used for data analysis and hypothesis testing. The results show that social risk, time loss risk, opportunity cost risk and perceived usefulness are significant factors influencing attitude towards intention to continue using Internet banking. Attitude is a significant factor that influences the intention to continue using Internet banking in Malaysia. Other relationships hypothesized are not significant. The total numbers of respondents were 413 and may not represent the whole population. Furthermore, the profiles of respondents were confidential and not disclosed by the management of the banks. As such, the total number of Internet banking customers for each bank was unknown. The findings of this study are expected to be of great use to the Internet banking providers. An understanding of the factors identified in this study allows Internet banking providers to enhance the services in the most effective and efficient way to increase bank business in the long run and encourage their bank customers' to continue using Internet banking.

Internet of Things (IoT) as one of the last technology in the network domain is an environment of associated physical objects that are reachable through the Internet. Virtualization as the primary technology of IoT has a significant role in its popularization. The visualization strategies have a great impact on the IoT, but, as far as we know, there is not a comprehensive and systematic study in this field. Also, there is no systematic and complete way to discuss and analyze the related strategies. Henceforth, a systematic survey of virtualization techniques is presented in this paper. Different parameters based on the examination of the prevailing methods are considered in three main categorizations. Furthermore, the benefits and weaknesses connected with selected techniques have been discussed, and the significant issues of these techniques are addressed to improve the more efficient virtualization technique for the future. K E Y W O R D SCloud, Fog, network, Internet of Things, systematic literature review, virtualization

Research aimed at identifying the reality of change management in the secondary school in the Qadisiyah governorate. The research sample consisted of 514 faculty members of 36 private schools in Qadisiyah governorate consisting (364) males and (180) female respondents. A survey research technique is adopted and reliability and validity of instrument is estimated by construct validity and test-retest reliability accordingly. The results of this study indicated that change management for secondary school principals is realized in faculty members of private secondary schools of Qadisiyah governorate. Furthermore, responses were compared on gender and years of experiences basis and it is found that responses are significantly different on gender basis while insignificant on experience basis. The study concludes that the principals of secondary schools should coordinate with the highest administrative levels for providing training opportunities for teachers according to the needs of teachers. There is a need to focus and introduce modern and sophisticated management patterns for the private secondary schools. This will help administration to apply change management in their educational institutions.

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