The Effect of Artificial Intelligence on Organizational Resilience in Deposit Money Banks

Authors

  • Ayomiposi Sodeinde

    Department of Mathematics and Statistics Austin Peay State University, Clarksville, TN, USA
    Author
    https://orcid.org/0009-0003-2215-836X

  • Oluwafemi Orekoya

    University of Chicago Booth School of Business, Chicago, USA.
    Author

  • Daniel Jayeob

    Harvard Business School, Harvard University, Boston, USA
    Author

  • Oyebade Adepegba

    Yale University. New Haven, USA.
    Author

Keywords:

Artificial Intelligence; Organizational Resilience; Deposit Money Banks; Dynamic Capabilities; Adaptability

Abstract

Abstract: The aim of this paper was to find how artificial intelligence (AI) affected organizational resilience in Bauchi State, Nigeria's Deposit Money Banks (DMBs). With an eye toward helping banks to become more flexible, resilient, and successful in the face of challenges, it specifically looks at how artificial intelligence affects strategic, operational, and financial resilience.
Emphasizing an organization's capacity to recognize, grab, and use resources in response to changing surroundings, the study was based on the Dynamic Capabilities Theory. Understanding how artificial intelligence helps banks to improve their resilience by predictive analytics, automation, and process innovation calls especially on this theoretical framework.
121 staff members of three different banks in Bauchi State answered self-administered questionnaires forming a cross-sectional survey design. The sample size was calculated from the Krejcie and Morgan Table; descriptive and inferential statistics—including Linear Regression at a 0.05 significance level—were then applied in data analysis. Results show that strategic, operational, and financial resilience in DMBs benefits much from artificial intelligence. By means of scenario planning and long-term adaptability, operational resilience through automation and real-time monitoring, and financial resilience by means of resource allocation and guarantees of liquidity during economic crisis, artificial intelligence strengthens strategic resilience. The study recommended that DMBs to invest in AI-driven tools for scenario planning and predictive analytics to boost strategic resilience, apply AI-powered automation and monitoring systems to strengthen operational resilience, and employ AI for financial modeling and cost control to so increase financial resilience. To further reduce the risks connected with the use of artificial intelligence, banks should also implement strong governance systems and ethical issues.
Keywords: Artificial Intelligence; Organizational Resilience; Deposit Money Banks; Dynamic Capabilities Theory; Strategic Resilience; Operational Resilience and Financial Resilience

Author Biographies

  • Ayomiposi Sodeinde, Department of Mathematics and Statistics Austin Peay State University, Clarksville, TN, USA

    Department of Mathematics and Statistics 

  • Oluwafemi Orekoya, University of Chicago Booth School of Business, Chicago, USA.

    University of Chicago Booth School of Business, Department of Business Administration, 

  • Daniel Jayeob, Harvard Business School, Harvard University, Boston, USA

    Department of Business Administration, 

  • Oyebade Adepegba, Yale University. New Haven, USA.

    Department of Business Administration, 

Downloads

Published

2025-03-11

Issue

Vol. 2 No. 1 (2024): VOLUME 2 ISSUE 1

Section

Articles

How to Cite

The Effect of Artificial Intelligence on Organizational Resilience in Deposit Money Banks. (2025). Applied Sciences, Computing, and Energy, 2(1), 149-166. https://cemrj.com/index.php/volumes/article/view/17