Unveiling the adverse effects of artificial intelligence on financial decisions via the AI-IMPACT model.

There is considerable enthusiasm for the potential of artificial intelligence (AI) to improve financial well-being. Despite this enthusiasm, it is important to underscore AI's potential adverse effects on consumers' financial decisions. We introduce the AI-IMPACT model, a unifying theoretical framework for how AI can influence consumers' financial decisions.

Beyond code: Consumer response to chatbots.

Chatbots, a type of virtual AI entity designed to emulate human conversation, are gaining prominence in business and consumer domains. This research aims to consolidate extant literature focusing on a pivotal aspect: the human-likeness of chatbots. Employing three fundamental themes as organizational pillars - chatbot as a non-human entity, chatbot as a human-like entity, and chatbot as an ambiguous agent - we aim to not only spotlight important findings but also chart out potential trajectories for future exploration.