Artificial Intelligence and Organisational Performance: An Examination of the Factors Influencing Customers’ Perspectives towards Selected Deposit Money Banks in Abuja, Nigeria

Main Article Content

Onwukwe Eberi-Kalu

Abstract

This study examines whether the value, rarity, inimitability, and organisational support factors of artificial intelligence influence customers’ perspectives of the organisational performance of selected deposit money banks in Abuja, Nigeria. The value, rarity, inimitability, and organisational support factors of artificial intelligence were decoupled into the independent variables, while customers' perspectives of organisational performance of the selected deposit money banks in Abuja were the dependent variables. This study employed a quantitative research method and a cross-sectional research design to achieve its objectives. Access Bank, First Bank, Guaranty Trust Bank, United Bank of Africa, and Zenith Bank were selected for this study. 136 customers from these five deposit money banks were sampled through a convenience sampling technique. This study used Statistical Package for Social Sciences version 26 in conducting the Kruskal-Wallis non-parametric independent sample test. Furthermore, the epsilon-squared effect size calculated the practical significance of this study. The findings suggest that value, rarity, inimitability, and organisational support factors of artificial intelligence have no significant influence on customers' perspectives of artificial intelligence and the organisational performance of the selected deposit money banks in Abuja, Nigeria. Conversely, the epsilon-squared effect size indicates that value, rarity, inimitability, and organisational support factors of artificial intelligence have small effect sizes on customers' perspectives of artificial intelligence and the organisational performance of the selected deposit money banks in Abuja, Nigeria.

Downloads

Download data is not yet available.

Article Details

Eberi-Kalu, O. (2026). Artificial Intelligence and Organisational Performance: An Examination of the Factors Influencing Customers’ Perspectives towards Selected Deposit Money Banks in Abuja, Nigeria. Trends in Computer Science and Information Technology, 001–013. https://doi.org/10.17352/tcsit.000103
Research Articles

Copyright (c) 2026 Eberi-Kalu O.

Creative Commons License

This work is licensed under a Creative Commons Attribution 4.0 International License.

Strykar C, Kavlakoglu E. What is artificial intelligence (AI)? IBM.com [Internet]. 2024 Aug 4. Available from: https://www.ibm.com/think/topics/artificial/-intelligence?utm_source=perplexity

Graig L, Laskowski N, Tuuci L. What is AI? Artificial intelligence explained [Internet]. 2025. Available from: https://www.techtarget.com/searchenterpriseai/definition/AI-Artificial-Intelligence

Frery F. When artificial intelligence turns strategic resources into ordinary resources. ESCP Research Institute of Management (ERIM) [Internet]. 2024;1–6. Available from: https://academ.escpeurope.eu/pub/IP2024-48%20Fre%CC%81ry.pdf

Barney JB, Clark DN. Resource-based theory: Creating and sustaining competitive advantage. New York (NY): Oxford University Press; 2007. Available from: https://academic.oup.com/book/52346

Misuraca G, Noordt CV, Boukli A. The use of AI in public services: Results from preliminary mapping across the EU. International Conference of Theory and Practice of Electronic Governance [Internet]. 2020. Available from: https://dl.acm.org/doi/10.1145/3428502.3428513

Mikalef P, Fjørtoft SO, Torvatn HY. Developing an artificial intelligence capability: A theoretical framework for business value. In: Abramowicz W, Corchuelo R, editors. Business Information Systems Workshops. Cham: Springer International Publishing; 2019;409–416. Available from: https://link.springer.com/chapter/10.1007/978-3-030-36691-9_34

Digital Defynd. 15 ways AI is being used in Europe [Internet]. 2025. Available from: https://digitaldefynd.com/IQ/ways-ai-used-in-europe/

Convergence. 2025 quarter 1 AI in Africa summary report: Policy, digital transformation, and capacity building [Internet]. 2025. Available from: https://convergenceai.io/

Ojone HH, Miko UB, Musa SU. Artificial intelligence and fraud detection of listed deposit money banks in Nigeria. J Account Financ Manag [Internet]. 2024;10(9):42–62. Available from: https://www.ajfm.com.ng

Okoliko EO, Ayetigbo OA, Ifegwu IJ, Chidiebere NU. Artificial intelligence impact in revolutionising the Nigerian banking industry: An assessment of selected deposit money banks in Abuja. Achievers J Sci Res [Internet]. 2023;5(2):120–131. Available from: https://www.researchgate.net/publication/376811860

Udodiugwu MI, Eneremadu KE, Onunkwo AR, Gloria OC. The role of artificial intelligence in enhancing the performance of banks in Nigeria. Arab J Bus Manag Rev [Internet]. 2024;11(2):27–34. Available from: https://www.researchgate.net/publication/388790773

Amado AI, Emubor RO, Mogue TO, Abudullahi SA. The impact of artificial intelligence on organisational performance: Insights from VFD micro-finance banks, Lagos State, Nigeria. Int J Res Innov Soc Sci [Internet]. 2024;7(14):518–524. Available from: https://dx.doi.org/10.47772/IJRISS.2024.814MG0044

Olumoyegun PM, Alabi JO, Nurudeen YZ. Contemporary issues of AI and performance of employees at selected deposit money banks in Lagos, Nigeria. J Bus Innov Creat [Internet]. 2024;3(2):141–151. Available from: https://journalsofmgt.com.ng/journals/uploads/CONTEMPORARY-ISSUES-ON-ARTIFICIAL-INTELLIGENCE-AND-PERFORMANCE-OF-EMPLOYEES-AT-SELECTED-DEPOSIT-MONE.pdf

Kamba E. 2025 industry trends: Insights from Africa's business leaders. The Board Room Africa [Internet]. 2025. Available from: https://www.theboardroomafrica.com

PwC. AI in Nigeria: Opportunities, challenges, and strategic pathways [Internet]. 2025. Available from: https://www.pwc.com/ng

Ibrahim T, Adepoju R. The impact of AI chatbots on banking customer service in Nigeria. West Afr J Financ Stud. 2023;10(2):78–96.

Eze M, Nwankwo L. Human-machine collaboration in Nigerian banking: The future of AI chatbots. J Digit Bus. 2023;9(1):13–29.

Nwokoji C. Seven banks compete in artificial intelligence adoption. Nigerian Tribune [Internet]. 2023 Jan 3. Available from: https://www.zawya.com/en/economy/africa/seven-banks-compete-in-artificial-intelligence-adoption-kenya-jpp2z4xr

Bellefonds ND, Frank MR, Forth P, Luther A, Lukic V, Nopp C. Where is the value in AI? Boston Consulting Group (BCG) [Internet]. 2024. Available from: https://www.bcg.com/publications/2024/wheres-value-in-ai

Mei H, Bodog SA, Badulescu D. Artificial intelligence adoption in sustainable banking services: The critical role of technology literacy. Sustainability [Internet]. 2024;16(20):8934. Available from: https://www.mdpi.com/2071-1050/16/20/8934

Barney JB, Clark DN. Resource-based theory: Creating and sustaining competitive advantage. New York (NY): Oxford University Press; 2007. Available from: https://academic.oup.com/book/52346

Kotler P, Keller KL. Marketing management. Boston: Pearson; 2016.

Mulyani A, Fitrianti E. Analysis of the effect of customer expectations, product quality, and customer satisfaction on credit card user loyalty: PT XYZ Tbk in Makassar. Makassar: Hasanuddin University; 2012.

Parasuraman A, Zeithaml V, Berry L. A conceptual model of service quality and its implications for future research. J Mark. 1985;49:9–20. Available from: https://www.jstor.org/stable/1251430

Salemcity A, Aiyesan OO, Japinye AO. Artificial intelligence adoption and corporate activities of deposit money banks. Eur J Account Financ Res [Internet]. 2023;11(11):17–33. Available from: https://www.researchgate.net/publication/375082843

Ofuani AB, Omoera CI, Akagha C. Artificial intelligence and performance of deposit money banks in Lagos metropolis: A study of United Bank of Africa. UniLag J Bus [Internet]. 2024;10(1):54–81. Available from: https://ujb.unilag.edu.ng/article/view/2443

Chinwendu AM, Enudu TO, Orga JI. Artificial intelligence and organisational performance of banks in South-East Nigeria. Adv J Bus Entrep Dev. 2024;8(6):23–48.

Adepeju AA, Logunleko SD, Amusa BO, Onifade HO. Artificial intelligence and risk management of deposit money banks: Empirical evidence of Guaranty Trust Bank. Umyu J Account Financ Res. 2024;7(1):178–193.

Unuesiri F, Adejuwon JA. Artificial intelligence expert system and the financial performance of deposit money banks in Nigeria. Int Inst Acad Res Dev [Internet]. 2024;10(9):39–54. Available from: https://www.iiardjournals.org/get/IJBFR/VOL.%2010%20NO.%209%202024/Artificial%20Intelligence%20Expert%2039-54.pdf

Ogundele AT, Ibitoye OA, Akinteiwa OA, Adeniran A, Ibukun FO, Apata TG. The role of artificial intelligence in advancing sustainable service efficiency in Nigeria. J Sustain Dev Law Policy. 2025;16(1).

Orjinta HI, Anetoh JC. Achieving sustainable performance of deposit money banks in Nigeria through artificial intelligence strategies. Innovations [Internet]. 2025;80. Available from: https://journal-innovation.com

Simamora SC, Rahayu A, Dirgantari PD. Driving digital transformation in small banks with VRIO analysis. J Appl Bus Manag [Internet]. 2024;10(1). Available from: https://journal.ipb.ac.id/index.php/jabm

Kumar R. Research methodology: A step-by-step guide for beginners. Thousand Oaks (CA): Sage; 2019. Available from: http://103.203.175.90:81/fdScript/RootOfEBooks/E%20Book%20collection%20-%202025/ECONOMICS/Research%20Methodology%20A%20Step-by-Step%20Guide%20for%20Beginners.pdf

Walsh G. Qualitative vs. quantitative research [Internet]. 2024. Available from: https://www.gwl.com

Thomas L. Cross-sectional study: Definition, uses, and examples [Internet]. 2023. Available from: https://www.scribbr.com

Babbie E. The basics of social research. 4th ed. Belmont (CA): Thomson Wadsworth; 2008.

Alex D. What is convenience sampling: Definition, method, and examples. Researcher Life [Internet]. 2024 Aug 21. Available from: https://researcher.life/blog/article/what-is-convenience-sampling-definition-method-and-examples/

Leavy P. Research design: Quantitative, qualitative, mixed-method, art-based, and community-based participatory research approaches. New York: The Guilford Press; 2017.

Ghaza FB, Ramlee SNS, Alwi N, Hizau H. Content validity and test-retest reliability with principal component analysis of the translated Malay four-item version of the Paffenbarger Physical Activity Questionnaire. J Health Res [Internet]. 2020;35(6):493–505. Available from: https://www.emerald.com/insight/content/doi/10.1108/JHR-11-2019-0269

Kaiser HF. An index of factorial simplicity. Psychometrika [Internet]. 1974;39:31–36. Available from: https://link.springer.com/article/10.1007/BF02291575

Kaliannan M, Darmalingam D, Dorasam M, Abraham M. Inclusive talent development as a key talent management approach: A systematic literature review. Hum Resour Manag Rev [Internet]. 2023;33(1). Available from: https://www.sciencedirect.com/science/article/pii/S1053482222000926

Barney JB, Hesterly WS. Strategic management and competitive advantage. USA: Pearson International Edition Prentice Hall; 2012.

Tomczak M, Tomczak E. The need to report effect size estimates: An overview of some recommended measures of effect size. Trends Sport Sci [Internet]. 2014;21(1):19–25. Available from: https://www.wbc.poznan.pl/Content/325867/5_Trends_Vol21_2014_%20no1_20.pdf

Kruskal WH, Wallis WA. Use of ranks in one-criterion variance analysis. J Am Stat Assoc [Internet]. 1952;47:583–621. Available from: https://www.jstor.org/stable/2280779

Beins BC. APA style simplified: Writing in psychology, education, nursing, and sociology. Oxford: John Wiley & Sons; 2012. Available from: https://psycnet.apa.org/record/2012-19504-000

Ellis PD. The essential guide to effect sizes: Statistical power, meta-analysis, and the interpretation of research results. Cambridge: Cambridge University Press; 2010. Available from: https://eric.ed.gov/?id=ED584122

American Psychological Association. Publication manual of the American Psychological Association. 7th ed. Washington (DC): American Psychological Association; 2020. Available from: https://apastyle.apa.org/products/publication-manual-7th-edition

Aliyu AA. Credit risk management and financial performance of deposit money banks in Nigeria. Int Account Tax Rev. 2023;9(1):17–29.

Barney J. Firm resources and sustained competitive advantage. J Manag [Internet]. 1991;17(1):99–120. Available from: https://josephmahoney.web.illinois.edu/BA545_Fall%202022/Barney%20(1991).pdf

Cronbach LJ. Coefficient alpha and the internal structure of tests. Psychometrika [Internet]. 1951;16(3):297–334. Available from: https://link.springer.com/article/10.1007/BF02310555

Taber KS. The use of Cronbach's alpha when developing and reporting research instruments in science education. Res Sci Educ [Internet]. 2017;48:1273–1296. Available from: https://link.springer.com/article/10.1007/s11165-016-9602-2