... and barriers influencing employees’ intention to adopt AI in the banking sector using the technology–organisation–environment (T-O-E) framework. Design/methodology/approach This study gathered data from 389 banking employees in the Indian National Capital Region using self-administered questionnaires...

... probit models. Findings The results show that factors such as number of employees, internationalization, profitability and indebtedness positively affect the probability that a USO will become an HGF. However, for age, industry, innovation, the presence of venture capital and productivity...