Abstract: The main
focus of this study is to examine the key factors contributing to consumers'
inclination towards embracing AI within banking services. It further discusses
the moderating role of technology readiness in determining the effect of
perceived usefulness, perceived ease of use, user innovativeness, and perceived
trust on the intention to use AI applications in the banking services. The
research gathered data using a structured questionnaire and non-probability
random sampling methods. Data were collected from 300 private bank customers
residing in two urban cities (Dhaka and Chattogram) in Bangladesh. The study
found that perceived usefulness, perceived ease of use, user innovativeness,
and perceived trust are significantly correlated with behavioral intentions to
adopt AI-based banking services. Simultaneously, technology readiness moderates
the interaction between perceived usefulness and perceived ease of use and
intentions to adopt AI services in banking transactions. The originality of
this study lies in its investigation of AI adoption in Bangladeshi banks by
integrating TAM constructs with user innovativeness and trust, while uniquely
examining technology readiness as a moderator influencing adoption intentions.
Keywords: AI
Adoption, ETAM, Technology Readiness and Banks.