Artificial Intelligence (AI) in Fintech Decisions

Bibliographic Details
Main Author: Gonçalves, Ana Rita
Publication Date: 2023
Other Authors: Meira, Amanda Breda, Shuqair, Saleh, Pinto, Diego Costa
Format: Article
Language: eng
Source: Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
Download full: http://hdl.handle.net/10362/152533
Summary: Gonçalves, A. R., Meira, A. B., Shuqair, S., & Pinto, D. C. (2023). Artificial Intelligence (AI) in Fintech Decisions: The Role of Congruity And Rejection Sensitivity. International Journal of Bank Marketing, 41(6), 1282-1307. https://doi.org/10.1108/IJBM-07-2022-0295 --- %ABS1% --- This work received partial support from national funds through FCT (Fundação para a Ciência e a Tecnologia), under the projects - UIDB/04152/2020 - DSAIPA/DS/0113/2019 - Centro de Investigação em Gestão de Informação (MagIC)/NOVA IMS project.
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spelling Artificial Intelligence (AI) in Fintech DecisionsThe Role of Congruity And Rejection SensitivityArtificial intelligenceFinTechSatisfactionRole congruityRejection sensitivityMarketingSDG 8 - Decent Work and Economic GrowthGonçalves, A. R., Meira, A. B., Shuqair, S., & Pinto, D. C. (2023). Artificial Intelligence (AI) in Fintech Decisions: The Role of Congruity And Rejection Sensitivity. International Journal of Bank Marketing, 41(6), 1282-1307. https://doi.org/10.1108/IJBM-07-2022-0295 --- %ABS1% --- This work received partial support from national funds through FCT (Fundação para a Ciência e a Tecnologia), under the projects - UIDB/04152/2020 - DSAIPA/DS/0113/2019 - Centro de Investigação em Gestão de Informação (MagIC)/NOVA IMS project.Purpose - The digital revolution has changed consumer–service provider interaction, spawning a new generation of FinTech. This paper analyzes consumers' reactions to Artificial Intelligence (AI) (vs. human) decisions. Design/methodology/approach – We tested our predictions by conducting two experimental studies with FinTech consumers (n=503). Findings – The results reveal that consumers' responses to AI (vs. human) credit decisions depend on the type of credit product. For personal loans, the rejection by an AI provider triggers higher levels of satisfaction compared to a credit analyst. This effect is explained via the perceived role congruity. In addition, the findings reveal that consumers' rejection sensitivity determines how they perceive financial services role congruity. Originality/value – To the best of the authors' knowledge, this research is the first to jointly examine AI (vs. human) credit decisions in FinTech and role congruity, extending prior research in the field.Information Management Research Center (MagIC) - NOVA Information Management SchoolNOVA Information Management School (NOVA IMS)RUNGonçalves, Ana RitaMeira, Amanda BredaShuqair, SalehPinto, Diego Costa2023-05-08T22:11:00Z2023-08-242023-08-24T00:00:00Zinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/article26application/pdfhttp://hdl.handle.net/10362/152533eng0265-2323PURE: 57790563https://doi.org/10.1108/IJBM-07-2022-0295info:eu-repo/semantics/openAccessreponame:Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)instname:FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologiainstacron:RCAAP2025-01-06T01:34:13Zoai:run.unl.pt:10362/152533Portal AgregadorONGhttps://www.rcaap.pt/oai/openaireinfo@rcaap.ptopendoar:https://opendoar.ac.uk/repository/71602025-05-28T17:41:30.506332Repositórios Científicos de Acesso Aberto de Portugal (RCAAP) - FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologiafalse
dc.title.none.fl_str_mv Artificial Intelligence (AI) in Fintech Decisions
The Role of Congruity And Rejection Sensitivity
title Artificial Intelligence (AI) in Fintech Decisions
spellingShingle Artificial Intelligence (AI) in Fintech Decisions
Gonçalves, Ana Rita
Artificial intelligence
FinTech
Satisfaction
Role congruity
Rejection sensitivity
Marketing
SDG 8 - Decent Work and Economic Growth
title_short Artificial Intelligence (AI) in Fintech Decisions
title_full Artificial Intelligence (AI) in Fintech Decisions
title_fullStr Artificial Intelligence (AI) in Fintech Decisions
title_full_unstemmed Artificial Intelligence (AI) in Fintech Decisions
title_sort Artificial Intelligence (AI) in Fintech Decisions
author Gonçalves, Ana Rita
author_facet Gonçalves, Ana Rita
Meira, Amanda Breda
Shuqair, Saleh
Pinto, Diego Costa
author_role author
author2 Meira, Amanda Breda
Shuqair, Saleh
Pinto, Diego Costa
author2_role author
author
author
dc.contributor.none.fl_str_mv Information Management Research Center (MagIC) - NOVA Information Management School
NOVA Information Management School (NOVA IMS)
RUN
dc.contributor.author.fl_str_mv Gonçalves, Ana Rita
Meira, Amanda Breda
Shuqair, Saleh
Pinto, Diego Costa
dc.subject.por.fl_str_mv Artificial intelligence
FinTech
Satisfaction
Role congruity
Rejection sensitivity
Marketing
SDG 8 - Decent Work and Economic Growth
topic Artificial intelligence
FinTech
Satisfaction
Role congruity
Rejection sensitivity
Marketing
SDG 8 - Decent Work and Economic Growth
description Gonçalves, A. R., Meira, A. B., Shuqair, S., & Pinto, D. C. (2023). Artificial Intelligence (AI) in Fintech Decisions: The Role of Congruity And Rejection Sensitivity. International Journal of Bank Marketing, 41(6), 1282-1307. https://doi.org/10.1108/IJBM-07-2022-0295 --- %ABS1% --- This work received partial support from national funds through FCT (Fundação para a Ciência e a Tecnologia), under the projects - UIDB/04152/2020 - DSAIPA/DS/0113/2019 - Centro de Investigação em Gestão de Informação (MagIC)/NOVA IMS project.
publishDate 2023
dc.date.none.fl_str_mv 2023-05-08T22:11:00Z
2023-08-24
2023-08-24T00:00:00Z
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/article
format article
status_str publishedVersion
dc.identifier.uri.fl_str_mv http://hdl.handle.net/10362/152533
url http://hdl.handle.net/10362/152533
dc.language.iso.fl_str_mv eng
language eng
dc.relation.none.fl_str_mv 0265-2323
PURE: 57790563
https://doi.org/10.1108/IJBM-07-2022-0295
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv 26
application/pdf
dc.source.none.fl_str_mv reponame:Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
instname:FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
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instname_str FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
instacron_str RCAAP
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reponame_str Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
collection Repositórios Científicos de Acesso Aberto de Portugal (RCAAP)
repository.name.fl_str_mv Repositórios Científicos de Acesso Aberto de Portugal (RCAAP) - FCCN, serviços digitais da FCT – Fundação para a Ciência e a Tecnologia
repository.mail.fl_str_mv info@rcaap.pt
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