ARTIFICIAL INTELLIGENCE AND ORGANIZATIONAL PRODUCTIVITY IN DEPOSIT MONEY BANKS IN YENAGOA, BAYELSA STATE

This study assessed the impact of Artificial Intelligence (AI) on organizational productivity in deposit money banks in Yenagoa, Bayelsa State, with operational efficiency serving as the proxy for productivity. Guided by the Resource-Based View, Technology Acceptance Model, and Socio-Technical Systems Theory, the study examined three Artificial Intelligence dimensions—innovation capacity, automation level, and employee–AI collaboration. A quantitative survey design was adopted, and structured questionnaires were distributed to 80 staff across four banks (UBA, Zenith, Access, and First Bank), with 76 valid responses retrieved. Data were analysed using descriptive statistics and simple linear regression with SPSS version 25. Findings revealed that all three Artificial Intelligence dimensions significantly enhanced operational efficiency. Innovation capacity fostered adaptability and new product development, automation reduced delays and improved service accuracy, while employee–AI collaboration exerted the strongest influence, underscoring the importance of human–Artificial Intelligence synergy. The study concludes that Artificial Intelligence adoption improves productivity most effectively when combined with employee readiness and supportive organisational strategies. It recommends that banks invest not only in Artificial Intelligence technologies but also in training and motivating employees to maximise performance and sustain competitiveness.