Fintech Chatbot Using Natural Language DOI

Nagasuhas Shastry M

Published: Jan. 1, 2023

This project develops a chatbot that responds to user questions using NLP. The accuracy and effectiveness of the model are compared after natural language processing engine has been trained, tested, evaluated various techniques. deployment uses algorithm or methodology offers highest levels precision. In order bring all financial instruments under one roof, this aims develop is not only confined investment instrument it can offer many options such as stocks, mutual funds, insurance, credit cards. So, customers just have use single resource whenever they need think about finances.

Language: Английский

Stock Market Prediction Using Machine Learning Techniques: A Decade Survey on Methodologies, Recent Developments, and Future Directions DOI Open Access
Nusrat Rouf, Majid Bashir Malik, Tasleem Arif

et al.

Electronics, Journal Year: 2021, Volume and Issue: 10(21), P. 2717 - 2717

Published: Nov. 8, 2021

With the advent of technological marvels like global digitization, prediction stock market has entered a technologically advanced era, revamping old model trading. ceaseless increase in capitalization, trading become center investment for many financial investors. Many analysts and researchers have developed tools techniques that predict price movements help investors proper decision-making. Advanced models enable to using non-traditional textual data from social platforms. The application machine learning approaches such as text analytics ensemble methods greatly increased accuracies. Meanwhile, analysis markets continue be one most challenging research areas due dynamic, erratic, chaotic data. This study explains systematics learning-based based on deployment generic framework. Findings last decade (2011–2021) were critically analyzed, having been retrieved online digital libraries databases ACM library Scopus. Furthermore, an extensive comparative was carried out identify direction significance. would helpful emerging understand basics advancements this area, thus carry-on further promising directions.

Language: Английский

Citations

168

Human-Computer Interaction in Customer Service: The Experience with AI Chatbots—A Systematic Literature Review DOI Open Access
Luminiţa Nicolescu,

Monica Teodora Tudorache

Electronics, Journal Year: 2022, Volume and Issue: 11(10), P. 1579 - 1579

Published: May 15, 2022

Artificial intelligence (AI) conversational agents (CA) or chatbots represent one of the technologies that can provide automated customer service for companies, a trend encountered in recent years. Chatbot use is beneficial companies when associated with positive experience. The purpose this paper to analyze overall experience order identify main influencing factors and resulting dimensions (such as perceptions/attitudes feelings also responses behaviors). analysis uses systematic literature review (SLR) method includes sample 40 publications present empirical studies. results illustrate are grouped three categories: chatbot-related, customer-related, context-related factors, where chatbot-related further categorized in: functional features chatbots, system anthropomorphic chatbots. multitude result either negative customers. At same time, customers respond by manifesting their intentions and/or behaviors towards technology itself (chatbot usage continuation acceptance chatbot recommendations) company (buying recommending products). According studies, most influential using response relevance problem resolution, which usually satisfaction, increased probability continuation, product purchases, recommendations.

Language: Английский

Citations

144

Antecedents of intention to use chatbots in service encounters: A meta‐analytic review DOI
Krishnan Gopinath, Dharun Kasilingam

International Journal of Consumer Studies, Journal Year: 2023, Volume and Issue: 47(6), P. 2367 - 2395

Published: April 11, 2023

Abstract The trend of using artificial intelligence based chatbots for service encounters has seen a significant spike in recent times. Many studies have attempted to explain the adoption technology various applications; this study synthesizes literature through meta‐analysis, which data from 70 independent studies, with combined sample size 20,026 was considered, understand influencers attitude and intention use encounters. In addition, also sought moderating role culture, technological characteristics captured variables transactional/non‐transactional, informative/entertaining hypothesized relationships. Meta structural equation modelling (meta‐analytic SEM) used analyse data. results indicate playfulness, attitude, usefulness, facilitating condition social influence are key factors influencing user adoption. Further, culture were found significantly moderate certain relationships model. Practical theoretical implications been discussed.

Language: Английский

Citations

22

Digital financial consumers' decision-making: a systematic literature review and integrative framework DOI
Marco Barone, Candida Bussoli, Lucrezia Fattobene

et al.

International Journal of Bank Marketing, Journal Year: 2024, Volume and Issue: 42(7), P. 1978 - 2022

Published: July 5, 2024

Purpose This study aims to systematically review the literature on digital consumers’ decision-making in banking, financial services and insurance (BFSI) sector proposes an integrative framework. Design/methodology/approach By combining databases such as Web of Science Elton B. Stephens Company (EBSCO), we identified, analyzed synthesized 53 peer-reviewed empirical articles that explore connection between solutions BFSI various phases constructs consumer process. We examined dependent variables (DVs) used operationalize decision-making, performed a thematic analysis papers proposed Findings The reviewed have garnered more attention from marketing researchers than or artificial intelligence scholars, often employing traditional behavioral experimental methodologies several limitations. identified 38 DVs with most frequently recurring being “Intention use,” “Utilization,” “Satisfaction,” “Perceived usefulness” “Trust.” propose framework groups these into three main clusters: subjects’ perceptions, user experience adoption/usage choice. systematic highlights increasing importance emotion recent decades underscores difficulty establishing where relationships are direct unidirectional, economic theories assume. Originality/value To best authors’ knowledge, this is first provide comprehensive understanding research methods impact sector. Further, can offer new perspective for research.

Language: Английский

Citations

6

Text-Based Chatbot in Financial Sector: A Systematic Literature Review DOI Creative Commons
Hana Demma Wube, Sintayehu Zekarias Esubalew,

Firesew Fayiso Weldesellasie

et al.

Data Science in Finance and Economics, Journal Year: 2022, Volume and Issue: 2(3), P. 232 - 259

Published: Jan. 1, 2022

<abstract> <p>Text-based chatbots are implemented in the financial sector to enhance relationship between customer and services provided by sector, also address external challenges requirements. The chatbot technology serves examine customers' frequently asked questions representation of process using machine learning. In light this, this study presents a comprehensive systematic literature review articles focused on text-based sector. It describes understanding terms implementation, adoption intention, attitude toward use acceptance; it how people experience chatbots, specifically perception, expectation trust, as well they engaging emotionally motivated; management security privacy vulnerabilities chatbots; identifies potential strategies that can hinder efficient, successful evolution Finally, main findings regarding text presented; additionally, open issues current research highlighted number opportunities be pursued future suggested.</p> </abstract>

Language: Английский

Citations

27

Why Can Fintech Chatbots Guide Consumers to Buy Banking Products? DOI
Stanley Y. B. Huang

International Journal of Human-Computer Interaction, Journal Year: 2025, Volume and Issue: unknown, P. 1 - 6

Published: Feb. 3, 2025

Language: Английский

Citations

0

Consumer Behaviour and Acceptance in Fintech Adoption: A Systematic Literature Review DOI Creative Commons
Muhardi Saputra, Paulus Insap Santosa, Adhistya Erna Permanasari

et al.

Acta Informatica Pragensia, Journal Year: 2023, Volume and Issue: 12(2), P. 468 - 489

Published: Oct. 10, 2023

The literature review was conducted systematically, following a rigorous process to address specific research questions.The procedure designed provide guidance and minimize researcher bias.It outlined the study selection process, including inclusion exclusion criteria, questions, search methods, quality evaluation, data extraction synthesis.The Scopus database utilized for this systematic review, comprehensive identify relevant studies.We used Kitchenham (SLR) method required metadata at time of processing SLR, PRISMA guidelines reporting reviews meta-analyses.Additionally, VOSviewer analysis employed gather on sources by individuals organizations access information about fintech products services, understand their influence acceptance behaviour.A total 850 publications were identified screened, with 70 customer studies meeting criteria.These published between 2012 2022 limited indexed journals.To maintain focus, questions (RQ) developed, gathered accordingly each RQ while adhering standards.Reviews checklists extract data, prioritizing most publication when multiple reported same data.The primary analysed indicated that into acceptability spans various scientific disciplines, computer science, technology, business management marketing.The technology model (TAM) emerged as approach measuring user in 43 out publications.Furthermore, several researchers have incorporated additional factors such performance, social influence, cultural religious values, knowledge, service enhance understanding acceptance.

Language: Английский

Citations

10

Navigating the fourth industrial revolution: a systematic review of technology adoption model trends DOI Creative Commons
Sean Kruger, Riana Steyn

Journal of Science and Technology Policy Management, Journal Year: 2024, Volume and Issue: unknown

Published: Aug. 5, 2024

Purpose Several disciplines and thousands of studies have used, developed supported technology adoption theories to guide industry support innovation. However, within the past decade, a paradigm shift referred as fourth industrial revolution (4IR) has resulted in new considerations affecting how models are used emerging integration into business strategy. The purpose this study is determine which model, or primarily when assessing smart technologies 4IR construct. It not investigate rigour existing their theoretical underpinnings, been proven. Design/methodology/approach To achieve this, systematic literature review based on preferred reporting items for reviews meta-analysis methodology used. From 3,007 publications, 125 papers between 2015 2021 were deemed relevant thematic analysis. Findings literature, five perspectives extracted. As with other information communication studies, analysis confirms that acceptance model remains predominantly model. 105 extended indicating lack maturity. Furthermore, countries authors’ expertise clustered European Asian regions, despite noting expansion 16 different subject areas, far beyond smaller manufacturing scope Industry 4.0. Originality/value This contributes theoretically by providing baseline develop generalisable grounded trends identified. Practically, these insights demonstrate current strategists policymakers understand direct efforts innovation development, an increasingly crucial factor survival digital age. Future research can additional constructs impactful while considering level they applied to.

Language: Английский

Citations

2

YAPAY ZEKÂ DESTEKLİ CHATBOT KULLANIMI ÜZERİNE NİCEL BİR ARAŞTIRMA DOI Open Access
Bülent YILDIZ, Faruk Dayı

Ömer Halisdemir Üniversitesi İktisadi ve İdari Bilimler Fakültesi Dergisi, Journal Year: 2024, Volume and Issue: 17(2), P. 215 - 231

Published: April 29, 2024

İşletmeler Yapay Zekâ (YZ) uygulamalarını kullanarak aynı anda birçok müşteriyle iletişime geçebilmektedir. YZ uygulamaları farklı sektörde kullanılmaktadır. Günümüzde en yaygın kullanılan uygulamalarından biride chatbotlardır. Chatbot ile müşterilerin isteklerine daha hızlı dönüş yapılarak esnek çözümler üretilebilmektedir. Chatbotlar banka müşterileri ve etkin bir iletişim kurulması açısından oldukça önemlidir. mobil internet bankacılığında verimliliği artırmakta, bankacılık işlemlerinde maliyet tasarrufu sağlayarak süreçlerin gerçekleşmesini sağlamaktadır. Müşterilere müşteri memnuniyeti artırılmaktadır. Bu amaçla çalışmada müşterilerinin YZ’ye yönelik tutumlarının destekli hizmet veren chatbotlara ilişkin algıladıkları fayda düzeyleri chatbot kullanmaya davranışsal niyetleri üzerindeki etkisi araştırılmaktadır. Türkiye’nin çeşitli illerinde ikamet eden 509 katılımcıdan anket yöntemi veri toplanmıştır. Elde edilen veriler geçerlilik güvenirlik testleri yapıldıktan sonra çalışmanın hipotezleri Yapısal Eşitlik Modellemesi test edilmiştir. Analiz sonucunda tutumun chatbottan algılanan faydayı pozitif yönde anlamlı olarak etkilediği; faydanın da niyeti etkilediği belirlenmiştir. tespit niyet etkisinde yüksek aracılık rolü bulunduğu bulgusuna ulaşılmıştır.

Citations

2

Mitigating Chatbots AI Data Privacy Violations in the Banking Sector: A Qualitative Grounded Theory Study DOI

John Giordani

Deleted Journal, Journal Year: 2024, Volume and Issue: 2(4), P. 14 - 65

Published: July 1, 2024

This research study examines the impact of Artificial Intelligence (AI) data poisoning on privacy violations in AI-enabled banking chatbots, employing a qualitative approach grounded AI, privacy, and cybersecurity theories. Through theory approach, viewpoints were gathered from group IT professionals sector. The uncovered AI across different professional roles, ranging direct breaches to indirect exposure. Key findings revealed spectrum mitigation strategies, technical solutions basic awareness mixed responses regarding personally identifiable information (PII), underscoring complexity safeguarding customer [1]. Despite potential limitations stemming rapidly evolving landscape, this contributes valuable insights into effective strategies for mitigating risks enhancing security chatbots banking. It highlights critical importance developing robust measures protect sensitive against violations.

Language: Английский

Citations

2