Barriers to adoption of artificial intelligence in banking services (case study of Iran)

Document Type : Research Paper

Authors

1 Theoretical Economics, Faculty of Economics, Allameh Tabatabai University, Tehran, Iran.

2 PhD student in Entrepreneurship Management at Razi University and visiting lecturer at Kermanshah National Skills University

Abstract

The current research was conducted with the aim of identifying the barriers and adoption of artificial intelligence in banking services using the content analysis model.The project was based on mixed research(qualitative-quantitative),which was taken in the qualitative part from the topic and theme analysis method and in the quantitative part from the survey method.The sample studied in the qualitative section includes 12 interviews.In the quantitative part of the research, the statistical population was 55 people,and 48 people were selected as a sample using the Krejcie and Morgan table.In the qualitative section;Select contributors,long-term engagement with the subject,and researchers' review of codes and reliability are also used and examined according to the features of equivalence.In the quantitative part,the validity of the researcher's questionnaire made by the professors of Razi University's management department and its reliability with Cronbach alpha test has been evaluated at 73%. The results of inductive analysis,through the three procedures of open coding, secondary coding(finding concepts)and categories,have led to the identification of 52primary codes in the form of 3conceptual codes(technological, organizational,institutional,and environmental barriers),which were obtained based on the results.According to the Friedman test,the environmental deterrent has a higher priority and the organizational institutional deterrent has the lowest priority,according to the respondents.

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History

  • Receive Date: 06 July 2024
  • Revise Date: 27 November 2024
  • Accept Date: 30 November 2024

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