Artificial intelligence and blockchain adoption for sustainable financial performance: The mediating role of DAC in Jordanian financial institutions

This study examines the role of artificial intelligence and blockchain adoption in enhancing sustainable financial performance among Jordanian financial institutions (FIs). Based on the resource-based view, the study explores the mediating role of data analytics capability through predictive analytics, intelligent data processing, and data-driven decision-making processes. A deductive quantitative approach employed and data were collected using structured questionnaires distributed to employees working in Jordanian commercial and Islamic FIs. A total of 300 valid responses were analyzed using partial least squares structural equation modeling (PLS-SEM). The results of this study reveal that artificial intelligence (AI) and blockchain adoption positively and significantly influenced sustainable financial performance through improving operational efficiency, transaction transparency, intelligent financial decision-making, and institutional adaptability. The results also confirm that data analytics capability played a significant mediating role between AI, blockchain adoption, and sustainable financial performance. FIs with stronger analytical capabilities were better able to transform technological investments into strategic financial outcomes, thereby improving financial resilience, organizational efficiency, and longterm sustainability. The study is limited to Jordanian FIs, which may restrict the generalizability of the findings. In addition, the cross-sectional design does not allow examination of long-term technological changes. Future studies may utilize longitudinal approaches, cross-country samples, and additional technological dimensions, including cloud computing integration, analytics, and intelligent automation systems. The study contributes to the growing literature on digital finance by emphasizing AI, blockchain adoption, and data analytics capability as strategic organizational resources that strengthen sustainable financial performance within emerging digital financial ecosystems.