Published Paper Details:

This study examines the impact of artificial intelligence (AI) adoption on the financial performance of selected Indian banks over the period 2016-2026. Financial performance is measured using Return on Assets (ROA) and Return on Equity (ROE), while AI adoption is proxied through an AI score index and a post-adoption dummy variable. The study employs a fixed effects panel regression model with heteroscedasticity-robust standard errors and lagged variables to ensure robustness of results. The findings reveal that AI adoption and its intensity do not have a statistically significant impact on bank profitability. Although the post-adoption period exhibits a positive coefficient, it is not statistically significant at the 5 percent level. The results further indicate that firm-specific characteristics play a dominant role in determining financial performance. The study concludes that AI adoption alone is insufficient to improve profitability in the short run and highlights the importance of effective implementation and organizational readiness