AI赋能民办高校金融学科建设：感知价值、组织信任与采纳意愿的实证研究

Hongyan Zhao

Authors

Hongyan Zhao

Keywords:

AI赋能, 民办高校, 金融学科, 感知价值, 组织信任, 采纳意愿

Abstract

Against the backdrop of accelerating digital transformation in higher education, the enabling pathways and adoption mechanisms of artificial intelligence (AI) technologies for finance discipline construction in private universities warrant in-depth investigation. Grounded in the Value-based Adoption Model (VAM) and organizational trust theory, this study constructs a triadic analytical framework comprising perceived value, organizational trust, and adoption intention. Drawing on 387 valid questionnaires collected from faculty, administrators, and students across 17 private universities in China, and employing multiple linear regression analysis, this research systematically examines the influence mechanisms of core variables on AI tool adoption intention. Results indicate that perceived value (β = 0.412, p < 0.01) is the strongest predictor of AI adoption intention, while organizational trust (β = 0.287, p < 0.01) also exerts a significantly positive effect. Together, these two variables account for 63.4% of the variance in adoption intention (adjusted R² = 0.634). Further analysis reveals that organizational trust partially mediates the relationship between perceived value and adoption intention. The findings illuminate the adoption dynamics in private university contexts: in environments with relatively limited institutional safeguards, organizational trust serves as a critical boundary condition shaping adoption decisions. The generalizability of these findings across different university types warrants future investigation through comparative samples including public universities. This study offers both theoretical foundations and practical guidance for private universities advancing AI integration in finance discipline construction.

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