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Language Teaching Research Quarterly

European Journal of Studies in Management and Business

International Journal of Behavior Studies in Organizations

Studies in Educational Management

New Challenges in Accounting and Finance

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Individual Differences in Language Education: An International Journal 

Feedback Research in Second Language 

Management Issues in Healthcare System

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Artificial Intelligence Knowledge Development

<span style="font-size: 10.0pt; line-height: 115%; font-family: 'Times New Roman',serif; mso-fareast-font-family: Calibri; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA; mso-bidi-font-weight: bold;">Artificial Intelligence (AI) is revolutionising banking by improving customer engagement and bank service personalisation. Yet, Ethical Deliberations (ED) on transparency, accountability, equity, and responsible data governance are crucial to the success of AI-powered personalisation. The present study explores the mediating effect of ED on the relationship between the adoption of AI and Personalised Banking Service (PBS) in the Ghanaian banking sector. Using a quantitative research design, data were collected from employees of five selected banks in Ghana. Of the 408 questionnaires distributed, 344 usable responses were obtained, representing an 84.3% response rate, and were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM). The results show that AI adoption is positively and significantly associated with PBS. Furthermore, ED plays a significant mediating role between AI adoption and PBS, suggesting that responsible AI governance enhances the effectiveness of investment in technology and the delivery of customer-focused banking services. The paper adds to the growing body of research on responsible AI and financial services, emphasising the role of ED as a key linkage between AI adoption and PBS in an emerging-market setting. Bank executives, regulators and policymakers interested in fostering innovation while remaining ethically responsible will find the findings of interest.

mbrq.2026.38.02.pdf

Original Research 

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The AI–Ethics–Personalisation Nexus: How Ethical Deliberations Shape Personalised Banking Service in Ghana

<span style="font-size: 10.0pt; line-height: 115%; font-family: 'Times New Roman',serif; mso-fareast-font-family: Calibri; mso-ansi-language: EN-US; mso-fareast-language: EN-US; mso-bidi-language: FA; mso-bidi-font-weight: bold;">Ethical Leadership (EL) is crucial for achieving Social Justice Outcomes (SJO) in environmentally vulnerable communities, yet the moderating role of Environmental Sustainability Practices (ESP) remains underexplored. This study examines the effect of EL on SJO and the moderating role of ESP in this relationship. The study sampled 452 respondents, including local government officials, traditional leaders, community opinion leaders, and residents from flood-prone coastal areas, informal settlements, and environmentally degraded communities. Data were collected through structured questionnaires and analyzed using Structural Equation Modelling (SEM) with SmartPLS 4 and bootstrapping techniques to assess direct and moderating effects. Results reveal that EL significantly promotes SJO through fairness, transparency, inclusion, accountability, and respect for rights. EL also positively influences ESP by encouraging conservation, efficiency, recycling, compliance, and innovation. Furthermore, ESP strengthens the relationship between EL and SJO, indicating that structured sustainability practices support ethical decision-making for equitable outcomes. Findings support Stakeholder Theory, emphasizing attention to diverse stakeholders, and Institutional Theory, highlighting formal structures for effective leadership. The study guides policymakers and community institutions in integrating ethical leadership with organized environmental practices to enhance justice and sustainability.

mbrq.2026.37.02.pdf

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Linking Ethical Leadership to Social Justice Outcomes: The Moderating Influence of Environmental Sustainability Practices