The objective of this study is to assess the correlation between the implementation of artificial intelligence and the financial performance attained by conventional banks in Jordan. To guarantee representativeness, a sample of 15 conventional banks that were actively involved and operating in Jordan during the year 2022 was meticulously selected from the Amman Stock Exchange. The study’s sample comprises individuals who hold positions as accountants, financial managers, and shareholders in the conventional banking sector. These individuals possess a significant level of expertise in financial performance and possess a comprehensive grasp of artificial intelligence (AI) systems specifically inside Jordanian traditional banks. The survey participants have been meticulously chosen. The primary objective of this study was to examine the impact of AI adoption as the independent variable on financial performance, which was quantified using two financial measures, namely Return on Assets (ROA) and Return on Equity (ROE). The results suggest that the implementation of artificial intelligence (AI) has resulted in improvements in financial performance. Whereas, the return on assets and return on equity achieved by Jordanian traditional banks have positively favorable significant impacted by the implementation of AI.

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The Role of Artificial Intelligence Adoption to Enhance Financial Performance: (Case Study Based on Jordanian Traditional Banks)

  • Mohammad Alqsass,
  • Mohammad Jebreel,
  • Mohammad Dweiri,
  • Murad Qabajeh,
  • Munir Al-Hakim,
  • Abd Al-Salam Al-Hamad,
  • Dmaithan Almajali

摘要

The objective of this study is to assess the correlation between the implementation of artificial intelligence and the financial performance attained by conventional banks in Jordan. To guarantee representativeness, a sample of 15 conventional banks that were actively involved and operating in Jordan during the year 2022 was meticulously selected from the Amman Stock Exchange. The study’s sample comprises individuals who hold positions as accountants, financial managers, and shareholders in the conventional banking sector. These individuals possess a significant level of expertise in financial performance and possess a comprehensive grasp of artificial intelligence (AI) systems specifically inside Jordanian traditional banks. The survey participants have been meticulously chosen. The primary objective of this study was to examine the impact of AI adoption as the independent variable on financial performance, which was quantified using two financial measures, namely Return on Assets (ROA) and Return on Equity (ROE). The results suggest that the implementation of artificial intelligence (AI) has resulted in improvements in financial performance. Whereas, the return on assets and return on equity achieved by Jordanian traditional banks have positively favorable significant impacted by the implementation of AI.