Journal of Management and Business Solutions 3092-7226 4 Serial Number 19 2026 05 01 Validation of the Artificial Intelligence Development Model in Banks’ Financial Services Based on Structural Equation Modeling Validation of the Artificial Intelligence Development Model in Banks’ Financial Services Based on Structural Equation Modeling 1 10 10.61838/jmbs.148 EN Journal Article 2025 10 08 <p class="Abstract" style="line-height: 150%;"><span lang="EN-GB" style="font-size: 8.0pt; line-height: 150%;">This study was conducted with the aim of validating the artificial intelligence development model in banks’ financial services. In terms of purpose, the research is applied, and in terms of methodology, it is descriptive and based on structural equation modeling. The statistical population consisted of the presidents and senior executives of selected public and private banks in Iraq located in the cities of Baghdad, Erbil, Najaf, and Basra. The research instrument was a 24-item questionnaire designed on a five-point Likert scale, which was developed electronically and its link was distributed to bank executives via official email. The collected data were analyzed using structural equation modeling (SEM). The results indicated that both convergent validity and discriminant validity of the constructs were confirmed, and the Cronbach’s alpha coefficient exceeded 0.70, demonstrating acceptable internal consistency reliability. All model fit indices were within the acceptable range, indicating an appropriate fit of the measurement model and alignment of the observed data with the hypothesized structure. Accordingly, the final conclusion is that the artificial intelligence development model in banks’ financial services—comprising the dimensions of technological infrastructure, data quality, cybersecurity, organizational culture, regulatory compliance, and artificial intelligence adoption—possesses satisfactory validity and can be effectively applied within the banking system of Iraq.</span></p> https://www.journalmbs.com/index.php/jmbs/article/download/148/170