Impact on Adoption of  Artificial Intelligence(AI) in the Banking Industry.

S.Aishwarya,

doi:https://doi.org/10.55041/ijcope.v2i4.053

Volume 02, Issue 04

Published on: April 2026

IMPACT ON ADOPTION OF ARTIFICIAL INTELLIGENCE(AI) IN THE BANKING INDUSTRY.

S.Aishwarya

Dr. M. Sriram

SRM Institute of Science and Technology Kattankulathur

DOI:https://doi.org/10.55041/ijcope.v2i4.053

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Abstract

Artificial Intelligence (AI) has revolutionized the banking industry, enabling automation, predictive analytics, and improved customer interactions. This research explores how the adoption of AI affects customer satisfaction, and the elements of the adoption include fraud detection and perceived challenges. A structured questionnaire was used to collect data on 200 banking customers. The findings indicate that the use of AI can dramatically enhance the customer experience, and fraud detection can bolster the trust and security impressions. On the other hand, perceived challenges have a negative impact on satisfaction. The research advances the fintech literature by incorporating the behavioral and technological lens and providing practical implications to banks that would like to use AI as a sustainable development factor.

Keywords: Artificial Intelligence, SEM, intention to adopt, India FinTech, Bank customers.

How to Cite this Paper

S.Aishwarya, (2026). Impact on Adoption of Artificial Intelligence(AI) in the Banking Industry.. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(04). https://doi.org/10.55041/ijcope.v2i4.053

S.Aishwarya, . "Impact on Adoption of Artificial Intelligence(AI) in the Banking Industry.." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 04, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i4.053.

S.Aishwarya, . "Impact on Adoption of Artificial Intelligence(AI) in the Banking Industry.." International Journal of Creative and Open Research in Engineering and Management 02, no. 04 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i4.053.

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•Peer Review Type: Double-Blind Peer Review
•Published on: Apr 05 2026

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