This study aims to investigate the effect of constraints; regulatory, technological, political, economic, and cultural, on the adoption of FinTech in banks through techniques of FinTech; artificial intelligence, big data, cloud computing, and blockchain in Yemen. The information for this study was collected through a questionnaire that included 332 respondents and was analyzed at the managerial level for 361 bank branches. Structural equation modeling through PLS, a disjoint two-stage approach, was used to approve the model's constructs. The study results reveal a significant negative effect of the constraints on adopting FinTech in banks. Technological, economic, and political constraints negatively affect banks' adoption of digital FinTech techniques. But regulatory and cultural constraints have an insignificant effect. This study may be important for specialists and those interested in FinTech development and valuable for decision-makers to address obstacles and keep pace with financial technology developments in Yemen.

本研究旨在调查约束的影响；监管、技术、政治、经济和文化方面，通过金融科技技术在银行采用金融科技；也门的人工智能、大数据、云计算和区块链。本研究的信息是通过一份包含 332 名受访者的调查问卷收集的，并对 361 家银行分行的管理层进行了分析。通过 PLS（一种不相交的两阶段方法）进行结构方程建模，用于批准模型的构造。研究结果揭示了银行采用金融科技的限制带来了显着的负面影响。技术、经济和政治限制对银行采用数字金融科技技术产生负面影响。但监管和文化限制的影响并不显着。这项研究对于专家和对金融科技发展感兴趣的人来说可能很重要，对于决策者解决障碍并跟上也门金融技术发展的步伐也很有价值。