ArticleFrontiers in artificial intelligence2025
The impact of artificial intelligence on behavioral intentions to use mobile banking in the post-COVID-19 era.
Article in Frontiers in artificial intelligence, 2025. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 2 papers.
What it found
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The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.
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Who cites it
2 citing papers in PubMed.
- Anthropomorphic AI and Consumer Skepticism: A Behavioral Study of Trust and Adoption in Fragile Economies.Behavioral sciences (Basel, Switzerland) · 2026Article
- From human-like AI to user adoption: the role of trust, attitude, and social influence in shaping behavioral intention.Frontiers in artificial intelligence · 2026Article
Corrections and comments
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Authors and funding
1 author.
Funding
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Abstract
Introduction: This quantitative research investigates the determinants of behavioral intentions to use mobile banking in the post-COVID-19 era. The study extends the Unified Theory of Acceptance and Use of Technology (UTAUT) framework by incorporating two key characteristics of AI, i.e. perceived intelligence and perceived anthropomorphism. Methods: It uses the UTAUT as a theoretical framework, and extends it by integrating core features of AI. Data has been collected from 412 respondents in Thailand, and structural equation modeling has been employed for the data analysis. Results: The findings reveal significant positive effects of performance expectancy, effort expectancy, social influence, facilitating conditions, trust, perceived privacy, perceived intelligence and anthropomorphism of AI on users' behavioral intentions to use mobile banking. Price value, habits, and perceived security do not significantly influence behavioral intentions. The results highlight the transformative potential of AI technology in the mobile banking industry as consumers' behaviors are greatly influenced by perceived intelligence and anthropomorphism. Discussion: The positive impact of perceived intelligence and anthropomorphism indicates that consumers value advanced, human-like interactions with AI. M-banking platforms may focus on developing AI systems that offer intuitive, intelligent, and emotionally engaging experiences. Financial institutions may invest in AI that can analyze user data to offer personalized financial advice, predict future needs, and automate routine tasks effectively.
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Registered trials
Read under generation 80e0d062 · epoch 390. Bibliography from PubMed, PubMed Central and OpenAlex; grants from NIH RePORTER; trial links from ClinicalTrials.gov; estimates, votes and beliefs from the OpenQuestion graph.