Automate the Back, Humanize the Front: Hybrid Intelligence and the Strategic Value of Human Frontline Service under AI Commoditization

作者

  • Reina Gamasan Lyceum of the Philippines University image/svg+xml ##default.groups.name.author##
  • Ramon George Atento Lyceum of the Philippines University image/svg+xml , First City Providential College image/svg+xml , First Asia Institute of Technology and Humanities image/svg+xml ##default.groups.name.author##

DOI:

https://doi.org/10.65166/6szjng64

关键词:

hybrid intelligence, service automation, algorithm aversion, resource-based view, frontline employees, digital exclusion, Southeast Asia

摘要

Firms across service industries are replacing customer-facing employees with chatbots, voice agents, and other AI systems, usually on the grounds of labour savings and throughput. This paper examines whether, and under what conditions, human frontline interaction remains a source of competitive value as AI service capabilities spread. Using a conceptual design built on an integrative literature review, it synthesises five bodies of research that have developed largely separately: frontline service automation, algorithm aversion, relationship marketing and the resource-based view, the digital exclusion of vulnerable consumers, and human–AI collaboration. The synthesis indicates that automation does not generally improve customer outcomes. Automated agents perform reliably in routine, structured encounters but fall short where tasks are ambiguous, emotionally charged, or consequential. Customers tend to judge algorithmic errors harshly, hold the deploying firm responsible for them, and generalise failures across automated systems. A resource-based reading suggests that as AI service capabilities become widely accessible and are perceived as interchangeable, they tend toward competitive parity. Human frontline service, by contrast, may meet the conditions of a strategic resource where firms invest in it as a capability. The paper develops a front-stage/back-stage hybrid intelligence framework that classifies service touchpoints by task ambiguity, consequence stakes, emotional intensity, and customer vulnerability, and it advances seven propositions for empirical testing. Implications are drawn for Southeast Asian service economies, including the Philippine IT-BPM sector and ASEAN retail banking, without treating the region as homogeneous. The analysis is conceptual and does not establish causal effects on firm performance. For practitioners, it offers a structured basis for deciding where automation belongs and where human capability should remain at the point of customer contact.

下载次数

下载数据尚不可用。

参考

Adams, R., & Sherlund, S. (2025). Where's the bank? Banking access in the era of branch consolidation (Finance and Economics Discussion Series). Board of Governors of the Federal Reserve System. https://doi.org/10.17016/feds.2025.086

Ameen, N., Pagani, M., Pantano, E., Cheah, J., Tarba, S., & Xia, S. (2024). The rise of human–machine collaboration: Managers' perceptions of leveraging artificial intelligence for enhanced B2B service recovery. British Journal of Management. https://doi.org/10.1111/1467-8551.12829

Amouzadeh, E., Dianat, I., Faradmal, J., Khalili, M., & Babamiri, M. (2026). What makes mobile banking difficult for older adults? A multi-layer usability investigation. Health Promotion Perspectives, 16, 74–84. https://doi.org/10.34172/hpp.44884

Asakdiyah, S. (2026). Relationship marketing as a driver of competitive advantage in service industries. Jurnal Manajemen, Bisnis dan Kewirausahaan. https://doi.org/10.55606/jumbiku.v6i1.6863

Atento, A. G., & Atento, R. G. (2025). A case study of Mercury Drug Corporation: Strategic adaptation to universal healthcare and digital disruption in the Philippines. International Journal of Health & Business Analytics, 1(1). https://doi.org/10.65166/zhw7dd39

Atento, A. G., & Atento, R. G. (2026). Legacy retail under digital disruption: Strategic insights from National Book Store's omnichannel transition in the Philippines. Journal of Enterprise Strategy and Management Innovation, 1(1). https://doi.org/10.65166/nny9z718

Atento, A. G., Atento, R. G. O., Espelita, C. A. M. H., & Lantin-Magana, L. M. (2026). Digital connectivity and financial inclusion in Asia: A thematic review of mobile infrastructure, account ownership, and policy implications using Global Findex 2025 evidence. Asian Financial Economics and Policy, 1(1). https://doi.org/10.65166/9h1wkj82

Atento, R. G. O., Quinto, L. F., Espelita, C. A. M. H., & Atento, A. G. (2026). Digital financial inclusion and supply chain resilience in manufacturing: A comparative analysis across the digital access divide. Journal of Enterprise Strategy and Management Innovation, 1(3). https://doi.org/10.65166/dg5t7027

Aversa, J., Shaker, R., Cleave, E., & Salooja, N. (2022). Determinants of bank closures: Exploring the relationship between neighborhood characteristics and bank branch locations. Papers in Applied Geography, 8, 393–413. https://doi.org/10.1080/23754931.2022.2072232

Babar, Z., Paul, R., Rahman, M. A., & Barua, T. (2025). A systematic review of human–AI collaboration in IT support services: Enhancing user experience and workflow automation. Journal of Sustainable Development and Policy. https://doi.org/10.63125/grqtf978

Bagozzi, R., Brady, M. K., & Huang, M.-H. (2022). AI service and emotion. Journal of Service Research, 25, 499–504. https://doi.org/10.1177/10946705221118579

Baldassarre, S., Cavola, M., & Pipicelli, E. (2025). Bank branch desertification and the design of a postal banking network. Socio-Economic Planning Sciences. https://doi.org/10.1016/j.seps.2025.102216

Bendal, A., Planas-Sabasa, S. A., Atento, R. G. O., & Espelita, C. A. M. H. (2026). Artificial intelligence as disruptive technology in accounting: A qualitative study of practitioner perceptions on automation, judgment, and decision support. Journal of Enterprise Strategy and Management Innovation, 1(1). https://doi.org/10.65166/0sdayg70

Blaurock, M., Büttgen, M., & Schepers, J. (2025). Designing collaborative intelligence systems for employee–AI service co-production. Journal of Service Research, 28, 544–562. https://doi.org/10.1177/10946705241238751

Blut, M., Wang, C., Wünderlich, N., & Brock, C. (2021). Understanding anthropomorphism in service provision: A meta-analysis of physical robots, chatbots, and other AI. Journal of the Academy of Marketing Science, 49, 632–658. https://doi.org/10.1007/s11747-020-00762-y

Brynjolfsson, E., Li, D., & Raymond, L. (2023). Generative AI at work (NBER Working Paper No. 31161). National Bureau of Economic Research. https://doi.org/10.3386/w31161

Cai, N., Gao, S., & Yan, J.-Z. (2024). How the communication style of chatbots influences consumers' satisfaction, trust, and engagement in the context of service failure. Humanities and Social Sciences Communications, 11, 1–11. https://doi.org/10.1057/s41599-024-03212-0

Candrian, C., & Scherer, A. (2023). How terminology affects users' responses to system failures. Human Factors, 66, 2082–2103. https://doi.org/10.1177/00187208231202572

Cardamone, P., & Trivieri, F. (2024). Out of sight, out of mind! Bank branch closures and new firm creation in Italy. Regional Studies, Regional Science, 11, 122–152. https://doi.org/10.1080/21681376.2024.2315187

Castelo, N., Boegershausen, J., Hildebrand, C., & Henkel, A. P. (2023). Understanding and improving consumer reactions to service bots. Journal of Consumer Research. https://doi.org/10.1093/jcr/ucad023

Chatzi, S., Peitzika, E., & Konsolaki, G. (2024). Enhancing brand loyalty: A relationship marketing perspective within the context of contractual services. Journal of Relationship Marketing, 23, 272–304. https://doi.org/10.1080/15332667.2024.2306019

Chen, S., & Atento, R. G. (2026). Big data as a strategic asset: Competitive advantage, business model transformation, and managerial intelligence in Chinese enterprises. Journal of Enterprise Strategy and Management Innovation, 1(2). https://doi.org/10.65166/mnn2n380

Chen, X., Guo, S., Xiong, J., & Ye, Z.-X. (2023). Customer engagement, dependence and loyalty: An empirical study of Chinese customers in multitouch service encounters. Technological Forecasting and Social Change. https://doi.org/10.1016/j.techfore.2023.122920

Cheung, C., Liu, J., Chen, L., Chen, Q., Li, L., Hui, P., Lee, L.-H., & Fan, M.-M. (2026). Who gets left out of digital banking in later life? Barriers and opportunities in Hong Kong's silver population. In Proceedings of the 2026 Designing Interactive Systems Conference. ACM. https://doi.org/10.1145/3800645.3812886

Cho, S., Lee, Z., Hwang, S., & Kim, J. (2023). Determinants of bank closures: What ensures sustainable profitability in mobile banking? Electronics. https://doi.org/10.3390/electronics12051196

Choi, H.-S., & Loh, R. (2023). Physical frictions and digital banking adoption. Management Science, 70, 6597–6621. https://doi.org/10.1287/mnsc.2023.4972

Clark, S., Newing, A., Hood, N., & Birkin, M. (2023). Retail banking closures in the United Kingdom: Are neighbourhood characteristics associated with retail bank branch closures? Transactions of the Institute of British Geographers. https://doi.org/10.1111/tran.12656

Costa, C., & Ghosh, S. (2025). Empowering customer service with generative AI: Enhancing agent performance while navigating challenges. Information Research, 30, 150–158. https://doi.org/10.47989/ir30iconf47566

De Oliveira Santini, F., Lim, W. M., Sampaio, C., Rasul, T., Ladeira, W., Thaichon, P., & Choudhury, D. (2025). The robot–human paradox: A meta-analysis of customer service by robots versus humans on customer experience. Journal of Consumer Behaviour. https://doi.org/10.1002/cb.2470

Ding, Z., Zhang, Y., Sun, J., Goh, M., & Yang, Z. (2025). Harmonizing human touch and AI precision in customer service. Journal of Service Research, 29, 377–390. https://doi.org/10.1177/10946705251384692

Dizon, G., & Ebardo, R. A. (2025). Barriers and motivations of older adults in digital banking adoption: Recent findings, gaps, and future directions. International Journal of Innovative Research and Scientific Studies. https://doi.org/10.53894/ijirss.v8i3.6929

El-Meouch, N. M., Banai, Á., & Alpek, B. L. (2023). Can online banking replace personal banking? A survey of Hungarian banking habits. Acta Oeconomica. https://doi.org/10.1556/032.2023.00027

Eskiler, E., & Safak, F. (2022). Effect of customer experience quality on loyalty in fitness services. Physical Culture and Sport. Studies and Research, 94, 21–34. https://doi.org/10.2478/pcssr-2022-0003

Fam, K.-S., Cham, T., & Ting, H. (2021). The role of cultural differences in customer retention: Evidence from the high-contact service industry. Journal of Hospitality & Tourism Research, 47, 257–288. https://doi.org/10.1177/10963480211014944

Filiz, I., Judek, J. R., Lorenz, M., & Spiwoks, M. (2023). The extent of algorithm aversion in decision-making situations with varying gravity. PLOS ONE, 18. https://doi.org/10.1371/journal.pone.0278751

Garvey, A. M., Kim, T., & Duhachek, A. (2021). Bad news? Send an AI. Good news? Send a human. Journal of Marketing, 87, 10–25. https://doi.org/10.1177/00222429211066972

Geca, M., Atento, A. G., Espelita, C. A. M. H., & Atento, R. G. O. (2026). Closing the backdoor: Fintech license strategies, regulatory reclassification, and the architecture of digital bank supervision in the Philippines. Asian Financial Economics and Policy, 1(1). https://doi.org/10.65166/d0m0k596

Gelbrich, K., Roschk, H., Miederer, S., & Kerath, A. (2025). Automated versus human agents: A meta-analysis of customer responses to robots, chatbots, and algorithms and their contingencies. Journal of Marketing, 90, 1–26. https://doi.org/10.1177/00222429251344139

George, S., C., M., & Edward, M. (2025). Artificial intelligence in frontline service encounters: A systematic review and research agenda. International Journal of Consumer Studies. https://doi.org/10.1111/ijcs.70048

Gnewuch, U., Morana, S., Hinz, O., Kellner, R., & Maedche, A. (2023). More than a bot? The impact of disclosing human involvement on customer interactions with hybrid service agents. Information Systems Research, 35, 936–955. https://doi.org/10.1287/isre.2022.0152

Gray News. (2026, October 7). Chick-fil-A has no plans to add AI to its drive-thru ordering service despite other rivals doing so. Hawaii News Now. https://www.hawaiinewsnow.com/2026/10/07/chick-fil-a-has-no-plans-add-ai-its-drive-thru-ordering-service-despite-other-rivals-doing-so/

Grewal, D., Ludwig, S., Herhausen, D., Grewal, L. S., Ordenes, F. V., Kopalle, P., & Bohling, T. (2026). How frontline employees' relational communication in online service interactions drives customer satisfaction. Production and Operations Management, 35, 2963–2980. https://doi.org/10.1177/10591478261420001

Han, J., & Ko, D. (2025). Trust formation, error impact, and repair in human–AI financial advisory: A dynamic behavioral analysis. Behavioral Sciences, 15. https://doi.org/10.3390/bs15101370

Hasan, N. B. (2025). AI efficiency versus human empathy: A paradox of AI and human agents in service support interactions. Sociology Lens. https://doi.org/10.1111/johs.70027

Hemo, O., Ingram, K., & Seniut, I. (2026). Employee loyalty as a driver of service quality and retention in culturally embedded food retail: Evidence from an Afro-Caribbean supermarket in Sweden. Applied Business: Issues & Solutions. https://doi.org/10.57005/ab.2025.4.4

Higgs, G., Price, A., & Langford, M. (2022). Investigating the impact of bank branch closures on access to financial services in the early stages of the COVID-19 pandemic. Journal of Rural Studies, 95, 1–14. https://doi.org/10.1016/j.jrurstud.2022.07.012

Hlembytskyi, O. (2025). Intellectual capital in customer service: How AI is changing the requirements for employee competences. Business Navigator. https://doi.org/10.32782/business-navigator.80-59

Hu, W., Wang, L., Ren, J., Bai, G., Cui, S., & Xu, Y. (2026). How and when organizational AI adoption improves employee innovation performance. The Service Industries Journal, 46, 926–964. https://doi.org/10.1080/02642069.2026.2632108

Jiménez-Jiménez, P., Pedragosa, V., Alguacil-Jiménez, M., & Calabuig-Moreno, F. (2025). Analyzing the value of social interaction for fitness center management: The influence of service encounter in consumer trust and loyalty. Physical Culture and Sport. Studies and Research, 110, 33–47. https://doi.org/10.2478/pcssr-2025-0022

Jin, X., & Li, J.-Y. (2025). The influence of 'algorithm aversion' and 'algorithm appreciation' among consumers in unstructured tasks. International Journal of Consumer Studies. https://doi.org/10.1111/ijcs.70133

Jin, X.-F., & Fan, M.-M. (2022). "I used to carry a wallet, now I just need to carry my phone": Understanding current banking practices and challenges among older adults in China. In Proceedings of the 24th International ACM SIGACCESS Conference on Computers and Accessibility. ACM. https://doi.org/10.1145/3517428.3544820

Kaye, T. (2026). Older generation disenfranchising: A health and business perspective on digital portals, login friction, and exclusion. Journal of Community Medicine and Health Solutions. https://doi.org/10.29328/journal.jcmhs.1001068

Kazakova, A., Kim, Y., Choi, S., & Kim, I. (2025). Human–robot collaboration in restaurant kitchens: How collaborative chefs foster consumers' willingness to pay a premium. Journal of Travel & Tourism Marketing, 42, 439–460. https://doi.org/10.1080/10548408.2025.2468465

Kim, A., Yang, M., & Zhang, J. (2022). When algorithms err: Differential impact of early vs. late errors on users' reliance on algorithms. ACM Transactions on Computer-Human Interaction, 30, 1–36. https://doi.org/10.1145/3557889

Kotze, T., & Mostert, P. (2025). A store-level analysis of frontline employees as enhancers of store loyalty. Service Business, 19. https://doi.org/10.1007/s11628-025-00589-z

Langford, M., Price, A., & Higgs, G. (2022). Combining temporal and multi-modal approaches to better measure accessibility to banking services. ISPRS International Journal of Geo-Information, 11, 350. https://doi.org/10.3390/ijgi11060350

Le, K. B., Sajtos, L., Kunz, W. H., & Fernandez, K. V. (2024). The future of work: Understanding the effectiveness of collaboration between human and digital employees in service. Journal of Service Research, 28, 186–205. https://doi.org/10.1177/10946705241229419

Lin, X., Wang, X.-Q., Shao, B., & Taylor, J. (2024). How chatbots augment human intelligence in customer services: A mixed-methods study. Journal of Management Information Systems, 41, 1016–1041. https://doi.org/10.1080/07421222.2024.2415773

Liu, N., Kirshner, S., & Lim, E. T. K. (2023). Is algorithm aversion WEIRD? A cross-country comparison of individual-differences and algorithm aversion. Journal of Retailing and Consumer Services. https://doi.org/10.1016/j.jretconser.2023.103259

Longoni, C., Cian, L., & Kyung, E. J. (2022). Algorithmic transference: People overgeneralize failures of AI in the government. Journal of Marketing Research, 60, 170–188. https://doi.org/10.1177/00222437221110139

Maasland, C., & Weißmüller, K. S. (2022). Blame the machine? Insights from an experiment on algorithm aversion and blame avoidance in computer-aided human resource management. Frontiers in Psychology, 13. https://doi.org/10.3389/fpsyg.2022.779028

Makki, M., Jafari, M., & Parsanejad, M. (2026). The effect of internal marketing on customer attraction and retention in service industries: Employee-centric strategies. Sage Open. https://doi.org/10.1177/21582440261426462

Mendoza, E., Magnaye, R., Mendoza, F., Atento, R. G., Atento, A. G., Quinto, L. F., Malolos, L. C., Sumague, L. S., & Espelita, C. A. M. (2026). Operational latency as a strategic liability: Service delivery failures, customer attrition, and the case for process innovation in full-service dining establishments. Journal of Enterprise Strategy and Management Innovation, 1(2). https://doi.org/10.65166/as485767

Money, A., Hall, A., Harris, D., Eost-Telling, C., Mcdermott, J., & Todd, C. (2023). Barriers to and facilitators of older people's engagement with web-based services: Qualitative study of adults aged >75 years. JMIR Aging, 7. https://doi.org/10.2196/46522

Morrison, B., Nicholson, J., Wood, B., & Briggs, P. (2023). Life after lockdown: The experiences of older adults in a contactless digital world. Frontiers in Psychology, 13. https://doi.org/10.3389/fpsyg.2022.1100521

Nafisah, I., Susanti, E., & Sumayyah, S. (2025). Customer orientation of service employees in retaining customers: The mediating role of satisfaction and commitment. International Journal of Digital Entrepreneurship and Business. https://doi.org/10.52238/ideb.v6i1.278

Naidoo, V. (2026). The dark side of AI-enabled industrial service recovery: The erosion of trust and customer engagement. Industrial Marketing Management. https://doi.org/10.1016/j.indmarman.2026.05.004

Nation's Restaurant News. (2024, June 17). McDonald's is ending its AI drive-thru test with IBM. https://www.nrn.com/technology/mcdonald-s-ending-its-ai-drive-thru-test-ibm

Nicolescu, L., & Tudorache, M. T. (2022). Human–computer interaction in customer service: The experience with AI chatbots—A systematic literature review. Electronics. https://doi.org/10.3390/electronics11101579

Odekerken-Schröder, G., Mennens, K., Steins, M., & Mahr, D. (2021). The service triad: An empirical study of service robots, customers and frontline employees. Journal of Service Management. https://doi.org/10.1108/josm-10-2020-0372

Papasin, J. (2026). Compassionate care skills among healthcare workers during emerging and re-emerging diseases. International Journal of Health & Business Analytics, 2(1). https://doi.org/10.65166/bt5ppj56

Pavone, G., Meyer-Waarden, L., & Munzel, A. (2022). Rage against the machine: Experimental insights into customers' negative emotional responses, attributions of responsibility, and coping strategies in artificial intelligence–based service failures. Journal of Interactive Marketing, 58, 52–71. https://doi.org/10.1177/10949968221134492

Quan, J., Li, Y., Zhang, M., & Wu, Z. (2025). Gain or pain: The double-edged sword effect of artificial intelligence adoption on employee service performance. Journal of Organizational Behavior. https://doi.org/10.1002/job.70023

Quinto, L. F., Bermido, C. M., & Atento, R. G. (2026). Psychosocial dimensions of caregiver support in geriatric care: A thematic review. International Journal of Behavioral and Social Analytics, 1(2). https://doi.org/10.65166/z2dnbk24

Reich, T., Kaju, A., & Maglio, S. J. (2022). How to overcome algorithm aversion: Learning from mistakes. Journal of Consumer Psychology. https://doi.org/10.1002/jcpy.1313

Renier, L., Mast, M. S., & Bekbergenova, A. (2021). To err is human, not algorithmic: Robust reactions to erring algorithms. Computers in Human Behavior, 124, 106879. https://doi.org/10.1016/j.chb.2021.106879

Röding, T., Wagner, G., Steinmann, S., Mennekes, T., & Schramm-Klein, H. (2023). How to infuse mobile technologies in frontline service encounters? An experimental analysis of customer perceptions of service competence. The International Review of Retail, Distribution and Consumer Research, 34, 183–200. https://doi.org/10.1080/09593969.2023.2290069

Roederer, C., Valentini, T., Bouqlila, F., & Dahab, D. (2026). AI-driven phygitalization: Enhancing customer and employee experience for improved well-being in financial services. Journal of Macromarketing, 46, 387–407. https://doi.org/10.1177/02761467251415501

S, A., & Sengupta, A. (2025). FinTech and older adults: A global synthesis of enablers, barriers, and research trends for inclusive digital finance. Humanities and Social Sciences Communications, 12. https://doi.org/10.1057/s41599-025-06077-z

Sachdev, H. J., & Sauber, M. (2023). Employee–customer identification: Effect on Chinese online shopping experience, trust, and loyalty. Cogent Business & Management, 10. https://doi.org/10.1080/23311975.2023.2275369

Shah, N. K. (2026, October 9). How companies are using AI to lock out customers [Video]. YouTube. https://www.youtube.com/watch?v=v5u_N4Xo-NM

Srinivasan, R., & Sarial-Abi, G. (2021). When algorithms fail: Consumers' responses to brand harm crises caused by algorithm errors. Journal of Marketing, 85, 74–91. https://doi.org/10.1177/0022242921997082

Tan, K., Liu, Y., & Litvin, S. (2024). ChatGPT and online service recovery: How potential customers react to managerial responses of negative reviews. Tourism Management. https://doi.org/10.1016/j.tourman.2024.105057

Tolentino, G., Quinto, L. F., Espelita, C. A. M. H., Atento, A. G., & Teodosio, G. M. (2026). Artificial intelligence and the strategic reconfiguration of work: A conceptual analysis of substitution, augmentation, and organizational redesign in manufacturing and marketing. Journal of Enterprise Strategy and Management Innovation, 1(3). https://doi.org/10.65166/bt13jr83

Tuomi, A., & Ascenção, M. (2021). Intelligent automation in hospitality: Exploring the relative automatability of frontline food service tasks. Journal of Hospitality and Tourism Insights. https://doi.org/10.1108/jhti-07-2021-0175

Wang, L., Huang, N., Hong, Y., Liu, L., Guo, X., & Chen, G.-Q. (2023). Voice-based AI in call center customer service: A natural field experiment. Production and Operations Management, 32, 1002–1018. https://doi.org/10.1111/poms.13953

Wang, Y.-W., Zhu, C.-Q., Feng, T., Lu, L., & Jia, B. (2026). Agentic AI and human-in-the-loop interventions: Field experimental evidence from Alibaba's customer service operations [Preprint]. arXiv. https://doi.org/10.48550/arxiv.2605.14830

Wirtz, J., Hofmeister, J., Chew, P. Y. P., & Ding, X. (2023). Digital service technologies, service robots, AI, and the strategic pathways to cost-effective service excellence. The Service Industries Journal, 43, 1173–1196. https://doi.org/10.1080/02642069.2023.2226596

Wirtz, J., & Stock-Homburg, R. (2025). Generative AI meets service robots. Journal of Service Research, 28, 527–543. https://doi.org/10.1177/10946705251340487

Wu, L., Fan, A., He, Z.-Y., & Her, E. (2021). To partner with human or robot? Designing service coproduction processes for willingness to pay more. Journal of Hospitality & Tourism Research, 47, 455–481. https://doi.org/10.1177/10963480211025594

Xu, M., & Wang, Y. (2024). Explainability increases trust resilience in intelligent agents. British Journal of Psychology. https://doi.org/10.1111/bjop.12740

Yang, Z., Zhou, J.-L., & Yang, H. (2023). The impact of AI's response method on service recovery satisfaction in the context of service failure. Sustainability. https://doi.org/10.3390/su15043294

Yi, H., Lee, M., & Park, K. (2022). Service orientation and customer performance: Triad perspectives of sales managers, sales employees, and customers. Behavioral Sciences, 12. https://doi.org/10.3390/bs12100373

Ying, S., & Encio, H. (2026). Influence of artificial intelligence application on the operational efficiency of commercial banks. Journal of Enterprise Strategy and Management Innovation, 1(2). https://doi.org/10.65166/tzazy288

##submission.downloads##

已出版

2026-11-11