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Factors Influencing Generative Artificial Intelligence Adoption in Banking: An Empirical Study

In: Innovating Finance for a Sustainable Future Integrating FinTech, Blockchain and Generative AI

Author

Listed:
  • Wissem Ajili Ben Youssef
  • Najla Bouebdallah
  • Long Ha

Abstract

The study investigates the factors influencing the adoption of Generative AI (GenAI) in Vietnam’s banking sector. The theoretical framework is based on an expanded version of the Technology–Organization–Environment (TOE) model. We employed a quantitative approach, collecting data from 248 surveys conducted with banking professionals and industry practitioners. We conducted exploratory factor analysis and regression analysis. The three most significant drivers for the adoption of Gen AI are organizational readiness, competitive pressure, and compatibility. Complexity poses a significant barrier, indicating that developing simple and user-friendly GenAI applications is crucial for the technology’s adoption. This research contributes to the existing literature by expanding the Technological-Organizational-Environmental (TOE) framework to examine the adoption of GenAI within the banking sector specifically. The study offers actionable insights for banks aiming to implement AI-driven technologies effectively. Its findings have significant implications for the banking industry, as they identify the key drivers of GenAI adoption. Furthermore, the study provides strategic recommendations for Vietnamese banks to enhance operational efficiency and promote financial inclusion.

Suggested Citation

  • Wissem Ajili Ben Youssef & Najla Bouebdallah & Long Ha, 2026. "Factors Influencing Generative Artificial Intelligence Adoption in Banking: An Empirical Study," World Scientific Book Chapters, in: Wissem Ajili Ben Youssef & Najla Bouebdallah (ed.), Innovating Finance for a Sustainable Future Integrating FinTech, Blockchain and Generative AI, chapter 1, pages 1-28, World Scientific Publishing Co. Pte. Ltd..
    • Handle: RePEc:wsi:wschap:9781800618572_0001
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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • Q56 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Environment and Development; Environment and Trade; Sustainability; Environmental Accounts and Accounting; Environmental Equity; Population Growth
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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