European Journal of Accounting, Finance and Investment

Impact Of Ai-Structured Investment On Deposit Money Banks Financial Performance Of In Nigeria

Joseph Ese EGINIWIN

Keywords: AI-Structured Investment, AI-Software Book value (AISBV), AI-Software Expenses (AISEXP), AI-driven Customer Interfaces ChatBots (AIDCICBs), ROE

Abstract

Abstract

The adoption of Artificial Intelligence (AI) in the financial industry has significantly influenced the investment behavior and efficiency of banking institutions. This research work empirically examines the impacts of AI-structured investment on the financial performance of Deposit Money Banks in Nigeria. The research work adopted the ex-post facto research design, and the data collected from the annual financial statements of the selected DMBs used for the study covers the period from 2015 to 2024. Software book value, software expenses, and AI-driven customer interface chatbots were used as proxies for AI-structured investment, while return on equity was used to measure financial performance in the study. The findings of the study revealed that both software book value and the AI-driven customer interface chatbot have a significant positive relationship with return on equity. The study also revealed that software expenses have a significant negative relationship with return on equity. The researcher concludes that the AI-investment structured investment significantly influences the financial performance of deposit money banks in Nigeria.