人工智能应用与存款货币银行的企业经营活动

A. Salemcity, O.O. Aiyesan, A.O Japinye
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引用次数: 0

摘要

本研究考虑了尼日利亚投资人工智能(AI)的存款货币银行(DMBs),旨在了解人工智能对银行业员工成本和其他运营成本的影响。本研究采用事后研究设计。研究人员从直销银行各自的财务报表中收集了 2012 年至 2022 年间的二手数据,并使用面板回归模型进行了分析。研究发现,采用人工智能对尼日利亚 DMB 的员工成本有负面影响,而对运营支出有正面影响。研究得出结论,尼日利亚 DMB 采用人工智能将改善其企业运营活动,从而提高财务业绩。政府应规范 DMB 的活动,防止任何形式的裁员。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Artificial Intelligence Adoption and Corporate Operating Activities of Deposit Money Banks
The deposits money banks (DMBs) in Nigeria that invested artificial intelligence (AI) were considered in this study with the objective to know the effect of AI on employee cost and other operating cost in the banking sector. The study adopted ex-post facto research design. Secondary data were gathered between 2012 and 2022 from the respective financial statements of the DMBs and analyzed using panel regression model. It was gathered that the adoption of AI has negative effects on employee cost while it has positive effects on operating expenses of DMBs in Nigeria. The study concluded that the adoption of AI by DMBs in Nigeria will improve their corporate operating activities which will translate to improve financial performance. Government should regulate the activities of DMBs to forestall any form of laying-off.
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