Artificial Intelligence in Banking: An SOR-Based Ethical Framework for Risk Management, Fraud Detection and Customer Experience

Artificial Intelligence, Banking, Risk Management, Fraud Detection, Customer Experience, SOR Model, PLS-SEM

Artificial Intelligence (AI) is transforming the banking sector by enhancing operational efficiency, reducing fraud risks, and improving customer experience. This study develops a conceptual and empirical-ready model integrating the Stimulus–Organism–Response (SOR) framework with an Ethical AI Hybrid Performance Framework (EAHPF). The model explains how AI capabilities influence internal banking mechanisms and ultimately drive performance outcomes. The study proposes testable hypotheses and a structural model suitable for PLS-SEM analysis. The findings provide theoretical and practical insights into ethical AI adoption for sustainable banking performance.