The study investigates the influence of perceived usefulness of Artificial Intelligence on job satisfaction of employees in financial services sector in Nigeria whilst testing the moderating effect of the training effectiveness. The study meets the increasing demand for a deeper understanding of AI as a technology innovation and as it impacts on employees’ workplaces. The quantitative cross-sectional survey was undertaken with bank, fintech, insurance company, microfinance and investment company employees. A total of 600 questionnaires were distributed 478 valid questionnaires were analyzed with Pearson correlation and hierarchical regression. The results indicate that the perceived usefulness of AI significantly and positively influences employee job satisfaction. Effectiveness of training has a significant positive effect as well, and further enhances the correlation between perceived usefulness and job satisfaction. The study ends with a conclusion that AI is more fulfilling to the workers, when its usefulness is facilitated with good training that develops competency, confidence and ability to use it practically. The article adds to the literature of AI adoption by demonstrating that training effectiveness serves as a ‘capability condition’ that helps to connect perceived usefulness of AI to positive employee outcomes in a developing economy financial services context.
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