Table 1.

Conceptual mapping of AI adoption barriers within TOE–TPB–institutional framework

CodeBarrierPrimary theoretical domainIllustrative rationale
F1Data quality issuesTOE – technologicalPoor or biased data reduce personalization accuracy and system reliability, limiting technological readiness
F2System integration issuesTOE – technologicalLack of interoperability between legacy and AI systems weakens infrastructure scalability
F3Change resistanceTPB – behavioralNegative attitudes and low perceived control impede behavioral intention to adopt AI
F4Skill deficiencyTOE / TPB (organizational–behavioral)Limited AI literacy constrains both organizational capability and user confidence
F5Ethical concernsInstitutional – normativeAlgorithmic bias and fairness concerns reflect external legitimacy and moral expectations
F6ROI uncertaintyInstitutional – cognitive/coercivePressure for measurable outcomes creates institutionalized performance constraints
F7Data privacy concernsInstitutional – regulativeCompliance with GDPR/DPDPA and societal trust requirements influences adoption legitimacy
F8Limited awarenessTPB – cognitiveLack of understanding lowers perceived usefulness and subjective norms supporting adoption
F9High costsTOE – organizationalFinancial and resource constraints restrict innovation capacity and scalability
F10Infrastructure limitationsTOE – technologicalInadequate computing power and connectivity inhibit AI deployment at scale

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