基于人工智能的实施前干预对用户继续使用手机银行的意愿

IF 0.7 4区管理学 Q3 COMMUNICATION

International Journal of Mobile Communications Pub Date : 2023-01-01 DOI:10.1504/ijmc.2023.131165

Rong Rong Lin, Yong Zheng, Jung Chieh Lee

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引用次数: 2

摘要

人工智能(AI)技术已应用于移动银行(M-banking);然而，人工智能功能如何影响用户采用移动银行的持续意愿(CI)仍不清楚。为了解决这一研究空白，我们在技术接受与使用统一理论(UTAUT)中加入了两个基于人工智能的概念，即感知智能(PInt)和感知拟人化(PAnt)，作为实施前干预变量，探索用户的移动银行CI。采用方便抽样法进行调查研究设计，共收集有效样本318份进行分析。初步结果表明，PInt可以提高用户的绩效期望(PE)和便利条件(FC)，两者都能促进用户的CI。本研究通过表明智能和拟人化是用户移动银行CI的关键AI特征，为文献做出了贡献。银行应设计并提供基于人工智能的智能拟人化应用，以促进移动银行用户的CI。

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Artificial intelligence-based pre-implementation interventions in users' continuance intention to use mobile banking

Artificial intelligence (AI) technology has been applied in mobile banking (M-banking); however, the way that AI features influence users' continuance intention (CI) to adopt mobile banking remains unknown. To address this research gap, two AI-based constructs, namely, perceived intelligence (PInt) and perceived anthropomorphism (PAnt), are added to the unified theory of acceptance and use of technology (UTAUT) as pre-implementation intervention variables to explore users' M-banking CI. A survey research design via a convenience sampling method is utilised, and 318 valid samples are collected for analysis. The primary results show that PInt can increase PAnt and both PInt and PAnt foster users' CI by increasing their performance expectancy (PE) and facilitating conditions (FC). This study contributes to the literature by showing that intelligence and anthropomorphism are critical AI features for users' M-banking CI. Banks should design and offer AI-based intelligent and anthropomorphic applications to promote users' CI in M-banking.

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来源期刊

International Journal of Mobile Communications COMMUNICATION-

自引率

12.50%

发文量

期刊介绍： The world of mobile communications is not a trend, but a phenomenon. IJMC, a fully refereed journal, publishes articles that present current practice and theory of mobile communications, mobile technology, and mobile commerce applications. Topics covered include Integrated mobile marketing communications Wireless advertising/CRM Telematics, pervasive computing Incoming/outgoing wireless links Location management Diffusion, security, efficacy, interaction/integration Metric mobile business enterprises PDAs in services delivery M-/u-business models, m-/u-commerce Digital office, groupware, roomware Mobile ad hoc networking, wireless information assurance Nomadic/portable communications Cross-cultural mobile communications Teaching mobile communication applications Mobile/handheld devices in the classroom, tele-learning.