Analyzing the Factors Influencing the Implementation of Artificial Intelligence in the Iranian Banking Industry: Findings from a Qualitative Study
Keywords:
Artificial Intelligence, Banking Industry, Successful Implementation, Technology AdoptionAbstract
One of the significant challenges in the Iranian banking industry is identifying and analyzing the key factors for the successful implementation of artificial intelligence (AI). Without addressing these factors, banks may face issues such as increased security risks, reduced service efficiency, and user resistance to adopting new technologies. In this study, the most critical factors were first identified through a content analysis of previous research and a review of successful case studies, forming the basis for designing a semi-structured questionnaire to interview experts. Subsequently, in this qualitative study, data were collected through interviews with 18 specialists and managers from various fields, including information technology, human resources, marketing, and project management. The collected data were analyzed across five key dimensions: data security and governance, technology adoption and alignment, technology and data infrastructure, data analysis and prediction, and service and operational optimization. The results indicate that each of these dimensions, both independently and in interaction with other areas, plays a vital role in enhancing the productivity and effectiveness of banks in utilizing AI. These findings emphasize the necessity of strengthening security infrastructure, fostering a digital culture, and developing analytical tools to facilitate the digital transformation process in banking.
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