A Preliminary Study Exploring the Effects of Artificial Intelligence on Fintech Innovation Resistance

Siqi Jiang, Yuyin Tang and Jung Chieh Lee ()
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Siqi Jiang: Beijing Normal University at Zhuhai, International Business Faculty
Yuyin Tang: Beijing Normal University at Zhuhai, International Business Faculty
Jung Chieh Lee: Beijing Normal University at Zhuhai, International Business Faculty

A chapter in Proceedings of the 2022 2nd International Conference on Economic Development and Business Culture (ICEDBC 2022), 2022, pp 923-927 from Springer

Abstract: ABSTRACT As a cutting-edge financial technology (fintech), artificial intelligence (AI) has been incorporated into financial services, thereby facilitating the innovation of financial services. However, extant research has failed to explore users’ resistance to AI-based fintech innovation. Accordingly, this paper develops a research model by employing innovation resistance theory (IRT) to understand the ways in which certain AI features, i.e., intelligence and anthropomorphism, impact fintech innovation resistance via innovation barriers (usage barriers, value barriers, risk barriers, traditional barriers, and image barriers) among fintech users. The proposed model helps us further understand the perceptions of individual users concerning the use of innovative fintech services in the context of AI.

Keywords: Fintech; Innovation Resistance; Artificial Intelligence; Perceived Intelligence; Perceived Anthropomorphism (search for similar items in EconPapers)
Date: 2022
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-036-7_136

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DOI: 10.2991/978-94-6463-036-7_136

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