Artificial Intelligence Applications as a Modern Trend to Achieve Organizational Innovation in Jordanian Commercial Banks

The objective of this study was to see how artificial intelligence applications affected organizational innovation in Jordanian commercial banks. Both independent and dependent variables were measured in three dimensions: expert systems, neural network systems, and fuzzy logic systems for artificial intelligence applications variable. Product innovation, process innovation, and management innovation for the organizational innovation variable. To achieve study objectives, a questionnaire was developed and distributed to a sample of one hundred fifty-three managers in Jordanian commercial banks, who were selected according to the simple random sampling method. Except for the neural network systems dimension, which comes in at an average level, the study indicated that there is a high level of organizational innovation and artificial intelligence applications. Furthermore, the findings revealed that artificial intelligence applications have a significant impact on organizational innovation in Jordanian commercial banks, with the most important artificial intelligence application being a fuzzy logic system. The study suggested keeping track of technological advancements in the field of artificial intelligence applications and incorporating them into banking operations by benchmarking with the best commercial bank practices and allocating a portion of the budget to technological applications and infrastructure development, as well as balancing between technology use and information security risks to ensure client privacy is protected.