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How Often Do Managers Withhold Information?, Jeremy Bertomeu, Paul Ma, Ivan Marinovic Sep 2026

How Often Do Managers Withhold Information?, Jeremy Bertomeu, Paul Ma, Ivan Marinovic

Olin Business School Faculty Research

We estimate a dynamic model of voluntary disclosure, using annual management forecasts of earnings, that features a manager with pri ce motives and an uncertain but persistent information endowment. Our estimates imply that: (i) managers face disclosure frictions 35% of the time; (ii) conditional on being informed, managers withhold information 17% of the time; and ( iii) conditional on being silent, managers possess information 24% of the time. Managers’ strategic withholding motives increase investors’ uncertainty about earnings by 3%. We find that managers’ price motives reduce strategic withholding by one-third, in response to investors’ increased skepticism in the event of …


2026-09-03 Faculty Senate Meeting Minutes, Morehead State University. Faculty Senate. Sep 2026

2026-09-03 Faculty Senate Meeting Minutes, Morehead State University. Faculty Senate.

Faculty Senate Records

Faculty Senate meeting minutes from September 3, 2026.


The Influence Of Entrepreneurial Marketing On Sustainable Competitive Advantage In Tanzanian Smes: A Lower-Order Dimensional Analysis, Omari Khalifa Mbura Sep 2026

The Influence Of Entrepreneurial Marketing On Sustainable Competitive Advantage In Tanzanian Smes: A Lower-Order Dimensional Analysis, Omari Khalifa Mbura

Business Management Review

Although entrepreneurial marketing is increasingly recognised as multidimensional, limited understanding remains of whether its individual behaviours exhibit equivalent relationships with competitive advantage, particularly when behaviours associated with the same broad dynamic-capability process are considered separately. This study examines the associations between five lower-order dimensions of entrepreneurial marketing (EM)—proactiveness, innovativeness, resource leveraging, customer intensity and value creation—and sustainable competitive advantage (SCA) among food-processing small and medium-sized enterprises (SMEs) in Dar es Salaam, Tanzania. Guided by Dynamic Capability Theory (DCT), cross-sectional survey data from 255 SMEs were analysed using partial least squares structural equation modelling (PLS-SEM) in the SEMinR package in R. …


How Philadelphia Markets Itself As A Fifa 2026 Host City: A Social Media Strategy Analysis, Taylor C. Mickley, Kelly G. Barr, Lali Odosashvili Sep 2026

How Philadelphia Markets Itself As A Fifa 2026 Host City: A Social Media Strategy Analysis, Taylor C. Mickley, Kelly G. Barr, Lali Odosashvili

ICHRIE Research Reports

With the 2026 FIFA World Cup around the corner, host cities are competing for global attention on social media. This study analyzed 543 Instagram posts from three host cities: Philadelphia and New York/New Jersey from the USA and Monterrey, Mexico. Posts were collected between August and December 2025 during the FIFA World Cup qualifying period for North and Central America and the Caribbean. Content was classified by category and format, and engagement was measured through reactions, comments, reposts, and shares. The findings challenge a common assumption: cities that posted the most did not generate the most engagement. Commercial content such …


Beyond The Lab: A Competency-Rated Model For Building Industry-Ready Hospitality Leaders, Arlene M. Garrick Sep 2026

Beyond The Lab: A Competency-Rated Model For Building Industry-Ready Hospitality Leaders, Arlene M. Garrick

ICHRIE Research Reports

Hospitality employers continue to report a persistent readiness gap between academic preparation and operational performance. Supervisors cite inconsistent communication, limited cultural intelligence, weak leadership judgment, and subjective evaluation systems as barriers to building strong talent pipelines (Baum, 2015). This report presents the Competency‑Rated Experiential Assessment Model (C.R.E.A.M.), implemented within a live hotel operation at The Lodge at Hocking College to address these challenges. Within eight weeks, students demonstrated measurable improvements in communication clarity, cultural awareness, bias mitigation, and professional judgment. The model provides a scalable, low‑cost framework that hospitality operators and educators can adopt within a 30‑day cycle to strengthen …


When Loyalty Intentions Fail: Evidence On The Intention–Behaviour Gap And Customer Retention In Mobile Telecommunications, Danilo Tomšič Sep 2026

When Loyalty Intentions Fail: Evidence On The Intention–Behaviour Gap And Customer Retention In Mobile Telecommunications, Danilo Tomšič

Economic and Business Review

This paper quantifies and explains the consumer intention–behaviour gap in mobile telecommunications and shows how it matters for competitive resource allocation. Using a two-wave longitudinal survey of 4887 consumers, I compare stated switching intentions at time t with self-reported provider choice at t + 1 and identify a 15.4% divergence comprising two forms: nonswitching intenders (consumers who intended to switch but did not) and switching nonintenders (consumers who did not intend to switch but did). Binary logistic models reveal temporal asymmetry in determinants. Among nonswitching intenders, higher baseline loyalty (satisfaction, repeat-choice commitment, and recommendation intention) lowers the likelihood of remaining …


Beyond Adoption: How Technology–Organization–Environment Factors Shape The Use Of Social Media Technologies And Performance In B2b Companies, Peter Grabner, Barbara Čater Sep 2026

Beyond Adoption: How Technology–Organization–Environment Factors Shape The Use Of Social Media Technologies And Performance In B2b Companies, Peter Grabner, Barbara Čater

Economic and Business Review

This study examines how technological, organizational, and environmental factors shape social media technology (SMT) use in business-to-business (B2B) markets and how SMT use relates to customer relationship performance and marketing performance. Building on the technology–organization–environment (TOE) framework, we develop and test a structural model in which perceived simplicity of SMT (technology), SMT strategy (organization), and mimetic competitive pressure (environment) shape SMT use, which in turn affects customer relationship and marketing performance. We collected data with an online survey of 195 marketing and sales professionals from B2B companies in Slovenia. Results indicate that SMT strategy is the strongest predictor of SMT …


The Non-Binding Bind: Reframing Precatory Stockholder Proposals Under Delaware Law, Kyle A. Pinder Sep 2026

The Non-Binding Bind: Reframing Precatory Stockholder Proposals Under Delaware Law, Kyle A. Pinder

Michigan Business & Entrepreneurial Law Review

Rule 14a-8 under the Securities Exchange Act of 1934 allows stockholders to submit proposals for inclusion in a company’s proxy materials. The rule assumes that Delaware law provides stockholders with the right to submit non-binding proposals for stockholder approval. But as many have observed, this assumption lacks a firm basis in state law, particularly in Delaware. If such a right exists, a stockholder conducting its own proxy solicitation could submit numerous precatory proposals, including those advancing narrow or special interests. This article concludes that, under Delaware law, stockholders do not have an inherent right to submit precatory proposals. Accordingly, a …


Navigating The Eu’S Corporate Sustainability Due Diligence Directive: Strategic Implications For Us Companies, Silvia Ciacchi, Michael Faure, Sharon Oded Sep 2026

Navigating The Eu’S Corporate Sustainability Due Diligence Directive: Strategic Implications For Us Companies, Silvia Ciacchi, Michael Faure, Sharon Oded

Michigan Business & Entrepreneurial Law Review

The European Union’s (“EU”) Corporate Sustainability Due Diligence Directive (“CSDDD” or the “Directive”) introduces new human rights and environmental obligations that reshape global corporate governance. This paper explores its impact on US companies, with a particular focus on compliance strategies under both direct and indirect applicability. It contrasts tactical compliance, which emphasizes risk mitigation while meeting minimum legal requirements, against strategic compliance, where companies use sustainability to gain a competitive edge in the market.

This paper highlights how varying enforcement levels across EU Member States may incentivize companies to “forum shop” or choose jurisdictions with more relaxed enforcement. It also …


Green Information Systems Adoption And Business Outcomes In Ugandan Smes: An Extended Theory Of Planned Behaviour Approach, Sonny Juma Nyeko, Samali Mlay, Cosmas Ogenmungu, Abdallah Ibrahim Nyero Sep 2026

Green Information Systems Adoption And Business Outcomes In Ugandan Smes: An Extended Theory Of Planned Behaviour Approach, Sonny Juma Nyeko, Samali Mlay, Cosmas Ogenmungu, Abdallah Ibrahim Nyero

Business Management Review

The study assesses the relationship between TPB antecedents and GIS business outcomes in SMEs, using an expanded TPB framework. Researchers gathered data from SMEs via a survey and analysed it using PLS-SEM. The framework used in the study explains 58.5% of the differences in GIS business outcomes. The results reveal that subjective norms, attitude, benefits, and obstacles are significant predictors of GIS business outcomes such as ecological IT practices, although perceived behavioural control displays an insignificant negative relationship. The study extended the TPB model by incorporating GIS benefits and GIS obstacles as additional factors influencing GIS adoption, business outcomes, …


Mda At Your Service - Protecting Your Practice, Finding Talent And More, Mda Membership Department Staff Sep 2026

Mda At Your Service - Protecting Your Practice, Finding Talent And More, Mda Membership Department Staff

The Journal of the Michigan Dental Association

This Q&A compiled by MDA staff provides critical guidance to support practice owners. It outlines key warning signs of employee embezzlement, such as closely guarding job duties or refusing cross-training, and highlights complimentary risk assessment tools and endorsed investigative services available through Prosperident. Furthermore, the article introduces free recruitment resources on the MDA Job Board for searching job-seeker profiles and posting openings. It also provides practical advice for resolving communication and online portal login issues by verifying registered email addresses with the MDA membership department.


Human Capital Disclosure And Labor Market Outcomes: Evidence From Regulation S-K, Jung Ho Choi, Dan Li, Daniele Macciocchi Sep 2026

Human Capital Disclosure And Labor Market Outcomes: Evidence From Regulation S-K, Jung Ho Choi, Dan Li, Daniele Macciocchi

Research Collection School Of Accountancy

We examine the labor market consequences of the 2020 Regulation S-K requiring human capital disclosure in 10K filings. Using large-sample job-level data and a Generative Large Language Model (GLLM), we observe that public firms subject to the regulation increase their disclosure of diversity, equity, and inclusion (DEI) information in job postings relative to a matched sample of large private firms. The increase in job-posting disclosure is more pronounced among firms facing greater external pressure to increase their workforce diversity. These findings suggest a shift in demand for diverse candidates by public firms following the regulation. Yet, consistent with short-term inelastic …


The Game Within: An Anthropological Approach To Games And Play, Nehal Maged Mohamed Sep 2026

The Game Within: An Anthropological Approach To Games And Play, Nehal Maged Mohamed

Theses and Dissertations

This thesis is based on an eighteen-month ethnography of El Ghawasa, an Egyptian play-based organization that designs educational games, tools, and services. Claiming that El Ghawasa, with its ethos of play, seeks to create an alternative to the capitalist corporate structure. Through tracking how this organization navigates ruptures, negotiates constraints, and experiments with different practices and internal restructuring, I explore the possibilities and limitations of El Ghawasa, while attempting to resist absorption by the very system it opposes. I ask: when the rules keep changing (while the logic of the capitalist corporate structure remains the same), and the boundaries of …


Market Orientation And Strategic Performance In Global Firms: A Sequential Mediation Model Of Innovation And Supply Chain Resilience, Meisam Karami Sep 2026

Market Orientation And Strategic Performance In Global Firms: A Sequential Mediation Model Of Innovation And Supply Chain Resilience, Meisam Karami

Journal of Global Business Insights

This study examines how market orientation is associated with strategic performance in globally operating firms through the sequential mediating roles of innovation and supply chain resilience. Drawing on the Resource-Based View and Dynamic Capabilities Theory, the research proposes a capability-sequencing framework in which market orientation reflects a sensing capability, innovation represents a seizing capability, and supply chain resilience embodies a reconfiguring capability that stabilizes value creation under environmental disruption. Using cross-sectional survey data from 356 manufacturing and service firms engaged in international activities, partial least squares structural equation modeling was employed to test the hypothesized relationships. The results indicate that …


The Competence Architecture Of Nonprofit Organizations: A Conceptual Model Linking Leadership, Governance, And Human-Capital Systems To Institutional Credibility, Franklin Livingston Sep 2026

The Competence Architecture Of Nonprofit Organizations: A Conceptual Model Linking Leadership, Governance, And Human-Capital Systems To Institutional Credibility, Franklin Livingston

Journal of Global Business Insights

Nonprofit organizations are judged through the competence of visible leaders, yet organizational competence is not reducible to the capabilities of any single executive. Reviews of nonprofit capacity report inconsistent associations between organizational capacity and performance. This conceptual article proposes a theoretical explanation for that inconsistency, one that remains compatible with methodological explanations. It develops a model of nonprofit competence architecture in which competence is an output that organizational systems continuously produce, correct, retain, and make visible, not a stock organizations possess. A theory-synthesis design specifies four mechanisms: Leadership-formation systems generate managerial capability; governance systems detect and partially compensate for capability …


Technological Appropriation As A Strategic Policy In Smes: Building Anticipatory Capabilities For Digital Transformation, Hernán Cornejo Sep 2026

Technological Appropriation As A Strategic Policy In Smes: Building Anticipatory Capabilities For Digital Transformation, Hernán Cornejo

Journal of Global Business Insights

Abstract: Technological appropriation has become a critical strategic issue for small and medium-sized enterprises (SMEs) undergoing digital transformation. While many SMEs adopt digital tools to address immediate operational needs, fewer succeed in embedding them into organizational routines, strategic decision-making, and long-term adaptation. This study examines technological appropriation as a key mechanism through which SMEs convert digital adoption into strategic organizational capability. Drawing on the literature on technological appropriation, dynamic capabilities, and strategic foresight, the paper proposes and empirically tests an integrated model. A mixed-methods design was employed, combining a survey of 198 SMEs from Argentina, Chile, and Colombia with 15 …


Staff Matters - How Can We Strengthen Our Hiring Process?, Jodi Schafer Sphr, Shrm-Scp Sep 2026

Staff Matters - How Can We Strengthen Our Hiring Process?, Jodi Schafer Sphr, Shrm-Scp

The Journal of the Michigan Dental Association

Jodi Schafer, SPHR, SHRM-SCP, provides practical strategies to help dental practice owners navigate the highly competitive labor market and strengthen their hiring process. The article advises practices to update outdated job descriptions, evaluate competitive salary data for geographical areas, and look beyond traditional job boards to employee referrals and patient networks. It stresses the significance of positive candidate experiences during recruitment, formalizing written job offers with clear compensation and benefit terms, and establishing structured onboarding programs to significantly enhance staff retention, job performance, and long-term practice success.


J Mich Dent Assoc Sept. 2026 Sep 2026

J Mich Dent Assoc Sept. 2026

The Journal of the Michigan Dental Association

Each month, the Journal of the Michigan Dental Association delivers news, information, and features about Michigan dentistry to our state's oral health community and the MDA's 6,200-plus members. It remains the main publication reaching Michigan dentists and is available worldwide through ADA Commons.

The September 2026 (Volume 108, No. 9) issue of the Journal is published in print format to provide updates and insights for Michigan's oral health community and MDA members. Print editions occur every other month beginning with January.

This full compilation of the September 2026 Journal of the Michigan Dental Association features the deans' reports from the …


The Back Page - A New Chapter For The Mda Journal, Timothy Rath Sep 2026

The Back Page - A New Chapter For The Mda Journal, Timothy Rath

The Journal of the Michigan Dental Association

Tim Rath, MDA's Content and Editorial Manager, introduces himself as the managing editor of the MDA Journal. He outlines a new strategic chapter focused on aligning the journal's clinical content with the association's broader advocacy, educational, and membership events. Celebrating the legacy of Dave Foe and welcoming new Editor-in-Chief Dr. Romesh Nalliah, Rath emphasizes that the best story ideas originate from practitioners in the field. He invites Michigan dentists to share personal narratives of unique career paths, fascinating hobbies, unique patient cases, and life outside the clinic to foster professional inspiration.


Patient-Centered Imaging In Dentistry, Erika Benavides Dds, Phd, Fabiana Naomi Soki, James R. Geist Dds, Ms, Angela M. Hoikka, Dds, Ms Sep 2026

Patient-Centered Imaging In Dentistry, Erika Benavides Dds, Phd, Fabiana Naomi Soki, James R. Geist Dds, Ms, Angela M. Hoikka, Dds, Ms

The Journal of the Michigan Dental Association

This clinical feature discusses joint guidelines by the ADA and AAOMR for patient-centered dental radiography and cone-beam computed tomography (CBCT), emphasizing individual risk-based needs rather than routine schedules. It covers the principles of radiation safety: justification, optimization (ALARA/ALADA), and dose limitation. The article maps out specific imaging modalities recommended for caries, periodontal disease, endodontics, orthodontics, implants, and TMJ disorders. Additionally, it summarizes Michigan's administrative rules for X-ray installation shielding, equipment alignment, stable mechanical support, operator positioning, and the mandatory radiography training program requirements for dental assistants.


Central Bank Financial Strength, Credibility, And Global Market Risk: Evidence From Southeast Asian Economies, Mega Fauziah, Hermanto Siregar, Solikin M. Juhro, Tanti Novianti, Sigit Wibowo Sep 2026

Central Bank Financial Strength, Credibility, And Global Market Risk: Evidence From Southeast Asian Economies, Mega Fauziah, Hermanto Siregar, Solikin M. Juhro, Tanti Novianti, Sigit Wibowo

Bulletin of Monetary Economics and Banking

This paper examines central bank credibility in the context of its financial strength, independence, and global market uncertainty in five Southeast Asian countries between 2005 and 2023. We find that the global market risk indicated by VIX reveals that these Southeast Asian economies, despite achieving considerable central bank independence and institutional development, remain fundamentally constrained by global market conditions in maintaining their credibility, measured by the difference between the inflation rate and its target in the same year. We argue that in emerging economies exposed to global uncertainty, central bank profitability, conditional on its independence, is vital for central banks …


Oil Futures Reactions To Monetary Policy Surprises: A High-Frequency Analysis, Syed Mujahid Hussain Dr., Basel Awartani, Farrukh Javed, Iqbal Khadaroo Dr., Nader Virk Dr. Sep 2026

Oil Futures Reactions To Monetary Policy Surprises: A High-Frequency Analysis, Syed Mujahid Hussain Dr., Basel Awartani, Farrukh Javed, Iqbal Khadaroo Dr., Nader Virk Dr.

Bulletin of Monetary Economics and Banking

This study examines how oil futures respond to monetary policy shocks arising from FOMC and ECB target-rate announcements, using high-frequency data. The results indicate that both sets of announcements significantly influence oil futures prices. However, FOMC decisions have a more pronounced effect on oil futures, whereas ECB interest rate surprises predominantly have a limited impact on the oil futures return and volatility. The analysis further uncovers an asymmetric response to positive versus negative interest rate shocks. These findings enhance the understanding of how monetary policy surprises are transmitted to oil futures markets. Therefore, these results have important implications for policymakers …


Offline And Thriving: Understanding The Professional And Personal Lives Of Non-Social Media Users In A Digitally Dominant Era, Bhargava Mantena Sep 2026

Offline And Thriving: Understanding The Professional And Personal Lives Of Non-Social Media Users In A Digitally Dominant Era, Bhargava Mantena

Dissertations

Existing research has treated voluntary social media abstinence as the absence of users rather than as a condition worth study. This mixed-methods study examined its psychological and occupational correlates. Adults aged 21 to 65 reporting abstinence from all major platforms for six months or more completed three validated instruments measuring mental well-being, work engagement, and perceived social isolation; a purposive subsample of 12 took part in semi-structured interviews. The analysis set comprised 120 participants, below the 128 indicated by the a priori power analysis. Research Question 1 could not be tested as approved, because no active-user comparison group was recruited; …


Mda Insurance - Online Open Enrollment Now Available For Mda Health Plan, Craig Start Sep 2026

Mda Insurance - Online Open Enrollment Now Available For Mda Health Plan, Craig Start

The Journal of the Michigan Dental Association

Craig Start, President of MDA Insurance, discusses health insurance planning for dental practices and families, introducing a new secure online open enrollment process through Employee Navigator for the MDA Health Plan. Running through October and November 2026, this online portal coordinates plan sponsors and employees to adjust coverage and add dependents. The article highlights other critical 2027 health coverage enrollment timelines, including individual marketplace plans and Medicare supplement choices, and emphasizes the personalized, cost-free advisory and claims advocacy services provided by MDA Insurance agents to support informed decision-making.


2026 September, Morehead State University. Office Of Communications & Marketing. Sep 2026

2026 September, Morehead State University. Office Of Communications & Marketing.

Morehead State Press Release Archive, 1961 to the Present

Press releases for September of 2026.


Is The Crisis Over? Fostering Innovative Work Behavior In Response To The Constant Pressure Of Resource-Deficiency For Street Level Bureaucrats: The Impact Of Psychosocial Safety Climate, Teamwork, And Work Engagement, Yvonne Brunetto, Matthew Xerri, Geremy Farr-Wharton Sep 2026

Is The Crisis Over? Fostering Innovative Work Behavior In Response To The Constant Pressure Of Resource-Deficiency For Street Level Bureaucrats: The Impact Of Psychosocial Safety Climate, Teamwork, And Work Engagement, Yvonne Brunetto, Matthew Xerri, Geremy Farr-Wharton

Research outputs 2022 to 2026

There is conflicting evidence about the pathways Street Level Bureaucrats’ (SLBs’) use to engage Innovative Work Behavior (IWB). This study uses Street Level Bureaucrat (SLB) and Conservation of Resources (COR) to examine the extent to which SLBs’ work engagement and/or burnout mediates the relationship between Psychosocial Safety Climate (PSC) and teamwork, and IWB. The methods comprised a sample of 259 healthcare SLBs (doctors, nurses, allied health) collected at two times, and analyzed using structural equation modeling. The results show that the variance of PSC and teamwork explained a third of engagement, and engagement-burnout mediated the impact of PSC and teamwork …


2026-09-01 Rivisal To Uar 906.02, Morehead State University. Faculty Senate. Sep 2026

2026-09-01 Rivisal To Uar 906.02, Morehead State University. Faculty Senate.

Faculty Senate Records

Proposed revisal to UAR 906.02 submitted to the Faculty Senate for review on September 1, 2026.


Investigating How Personal Values Shape Tourism Experiences: A Case Study Of The Irish National Stud And Gardens, Amy Monahan, Ann T. Conway Aug 2026

Investigating How Personal Values Shape Tourism Experiences: A Case Study Of The Irish National Stud And Gardens, Amy Monahan, Ann T. Conway

International Journal of Tour Guiding and Visitor Attraction Research

This Paper explores the relationship between personal values and tourism experiences  that are  satisfying. A case study of the Irish National Stud and Gardens was undertaken in order to explore this concept. Interviews were conducted to investigate how qualities of the attraction appealed to the visitors’ personal values, thereby enhancing the overall visitor experience. A set of personal values were identified which were specific to the destination. The research demonstrated how an understanding of personal values can assist attractions with various aspects of their operations, with context specific recommendations provided at the end. This approach was taken was taken to …


The Influence Of Budgeting And Financial Reporting On Financial Accountability In Religious Organisations: Evidence From Selected Churches In Tanzania, Plasidi Marcel Bayno, Helena Thomas Haule Aug 2026

The Influence Of Budgeting And Financial Reporting On Financial Accountability In Religious Organisations: Evidence From Selected Churches In Tanzania, Plasidi Marcel Bayno, Helena Thomas Haule

Business Management Review

Budgeting processes and financial reporting are widely recognised mechanisms for enhancing financial accountability, yet empirical evidence on how these mechanisms influence financial accountability within faith-based non-profit organisations remains limited. Guided by Stewardship Theory and Stakeholder Theory, this study examines the influence of budgeting processes and financial reporting on financial accountability in religious organisations. Using a deductive approach, empirical data were collected from 173 Catholic and Lutheran parishes in Dar es Salaam, Tanzania, yielding a total of 471 valid responses aggregated at the parish level for analysis using Partial Least Square Equation Modeling (PLS-SEM). The findings reveal that both budgeting processes …


Do Dynamic Capabilities Moderate The Effect Of Managerial Attitudes On E-Marketing Adoption? Evidence From Small And Medium Tourism Enterprises In Zanzibar, Hilal Maabad Ame, Omari Khalifa Mbura, Amani Gration Tegambwage Aug 2026

Do Dynamic Capabilities Moderate The Effect Of Managerial Attitudes On E-Marketing Adoption? Evidence From Small And Medium Tourism Enterprises In Zanzibar, Hilal Maabad Ame, Omari Khalifa Mbura, Amani Gration Tegambwage

Business Management Review

This study examines the influence of managerial attitudes and dynamic capabilities on e-marketing adoption among Small and Medium Tourism Enterprises (SMTEs) in Zanzibar. Grounded in the Decomposed Theory of Planned Behaviour (DTPB) and Dynamic Capabilities Theory (DCT), the study tests the effects of perceived ease of use, perceived usefulness, compatibility, and perceived security on e-marketing adoption, with dynamic capabilities examined as a moderating factor. Data were collected from 216 SMTEs operating in the Urban and South Regions of Zanzibar and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that perceived ease of use and perceived security …