The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies

The rapid advancement of Artificial Intelligence (AI) has transformed custom-er service in the digital space, particularly through the integration of AI chat-bots within Fintech companies. This study investigates the impact of AI chat-bots on customer satisfaction, focusing on key factors such as pe...

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Bibliografiset tiedot
Päätekijä: Wickrama Arachchighe, Nuwan
Muut tekijät: Informaatioteknologian tiedekunta, Faculty of Information Technology, Jyväskylän yliopisto, University of Jyväskylä
Aineistotyyppi: Pro gradu
Kieli:eng
Julkaistu: 2025
Aiheet:
Linkit: https://jyx.jyu.fi/handle/123456789/103951
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author Wickrama Arachchighe, Nuwan
author2 Informaatioteknologian tiedekunta Faculty of Information Technology Jyväskylän yliopisto University of Jyväskylä
author_facet Wickrama Arachchighe, Nuwan Informaatioteknologian tiedekunta Faculty of Information Technology Jyväskylän yliopisto University of Jyväskylä Wickrama Arachchighe, Nuwan Informaatioteknologian tiedekunta Faculty of Information Technology Jyväskylän yliopisto University of Jyväskylä
author_sort Wickrama Arachchighe, Nuwan
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description The rapid advancement of Artificial Intelligence (AI) has transformed custom-er service in the digital space, particularly through the integration of AI chat-bots within Fintech companies. This study investigates the impact of AI chat-bots on customer satisfaction, focusing on key factors such as perceived use-fulness, perceived ease of use, system quality, information quality, and service quality. Drawing on established theoretical frameworks - including the Tech-nology Acceptance Model (TAM), Unified Theory of Acceptance and Use of Technology 2 (UTAUT2), Expectation-Confirmation Theory (ECT), and SERV-QUAL - the research adopts a quantitative approach, surveying a sample of Fintech users with prior chatbot interaction experience. The findings indicate that perceived usefulness, ease of use, responsiveness, empathy, reliability, and assurance significantly influence customer satisfac-tion, while tangible elements (such as visual aesthetics) play a limited role in digital environments. Moreover, demographic variables such as age and tech-nical familiarity moderate these relationships. The importance of personalized and adaptive chatbot interactions underscores the need for user-centered de-sign. This study offers practical implications for Fintech firms, recommending en-hancements in emotional intelligence, contextual understanding, and service reliability to optimize chatbot performance and improve user experience. De-spite limitations such as sample size and geographic focus, the research con-tributes to the growing body of knowledge on AI adoption in financial ser-vices and lays a foundation for future research on the evolving human–technology interface.
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spellingShingle Wickrama Arachchighe, Nuwan The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies Master's Degree Programme in Information Systems
title The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies
title_full The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies
title_fullStr The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies
title_full_unstemmed The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies
title_short The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies
title_sort impact of ai chatbots on customer satisfaction with special reference to fintech companies
title_txtP The impact of AI Chatbots on customer satisfaction with special reference to Fintech companies
topic Master's Degree Programme in Information Systems
topic_facet Master's Degree Programme in Information Systems
url https://jyx.jyu.fi/handle/123456789/103951 http://www.urn.fi/URN:NBN:fi:jyu-202506245711
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