What the study found
Consumers generally like the benefits of AI in banking, especially speed, customization, and ease of use, but many still worry about data safety and ethical or trust-related issues.
Why the authors say this matters
The authors conclude that financial institutions need to strengthen trust, make AI more transparent, and tailor solutions to different customer groups. The study suggests these steps may help AI-based banking technologies be more accepted by consumers.
What the researchers tested
The study examined how consumers adapt to AI in banking and how they feel about these developments. It used mixed methods, including surveys, interviews, and sentiment analysis, to understand consumers and their preferences.
What worked and what didn't
AI banking features were viewed positively for being quick, customizable, and easy. At the same time, concerns remained about data security, ethics, and trustworthiness.
What to keep in mind
The abstract does not describe detailed limitations. It also notes future studies might examine how blockchain and quantum computing affect consumer issues and AI use in financial sectors.
Key points
- Consumers liked AI banking for speed, customization, and ease of use.
- Many respondents still had concerns about data safety, ethics, and trust.
- The study used surveys, interviews, and sentiment analysis.
- The authors say banks should improve transparency and trust.
- The abstract mentions possible future work on blockchain and quantum computing.
Disclosure
- Research title:
- Consumers like AI banking benefits but worry about trust and data safety
- Authors:
- Charmee Hiten Shah, Apeksha Champaneri
- Institutions:
- GLS University
- Publication date:
- 2026-02-27
- OpenAlex record:
- View
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