The Influence of Institutional Factors on AI adoption in EU banking cybersecurity: : A narrative literature review.

Sammanfattning

The adoption of artificial intelligence (AI) in the European Union (EU) banking sector for cybersecurity purposes presents a complex interplay of promise and challenge. This study employs a qualitative narrative review to investigate how institutional pressures, including regulatory requirements, industry norms, and the pursuit of legitimacy, shape banks' decisions to integrate AI. Analyzing both academic and grey literature, this study reveals how these institutional forces influence banks' decision-making, highlighting the tension between the potential for enhanced security through AI and the need to mitigate risks, address ethical concerns, and maintain public trust. Ultimately, this research contributes to a deeper understanding of the complex institutional dynamics that shape AI adoption in the highly regulated context of EU banking.