AI Adoption in the Finance Sector of a Developing Economy: The Mediating Role of Perceived Trust

Abstract

The paper focuses on how technology readiness affects the desire of bank workers in China to use artificial intelligence (AI) in the finance sector. It aims to show what factors are important and how they relate to each other. The study used SMART PLS 4 to analyze the connections between these factors. Data was collected from 374 employees working at various levels of banking and financial sector organizations situation in the provinces of China. Trust in technology also plays a big role in this connection. For future studies, it would be good to look at how gender diversity policies and career paths change over time and to improve how we measure these things by including new factors like the negative sides of technology.