Factors influencing generative artificial intelligence adoption in Vietnam’s banking sector: an empirical study — Youssef et al. (2025)
Abstract This study aims to identify the key factors influencing the adoption of generative AI (GenAI) by Vietnamese banks and highlight the challenges and opportunities in digital transformation. It extends the technology-organization-environment (TOE) framework to incorporate GenAI-specific factors in the Vietnamese banking sector, characterized by rapid digitization and stringent regulations. A survey yielded 236 valid responses. The data were analyzed via partial least squares structural equation modeling (PLS-SEM). The key factors identified include organizational readiness (OR)…
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