Szabó-Douat, TeodóraPelote, Maria Lourenço dos Santos Martins2023-03-202023-03-202023-01-27http://hdl.handle.net/10362/150898Dissertation presented as the partial requirement for obtaining a Master's degree in Information Management, specialization in Marketing IntelligenceThe emerging progress of the industry 4.0 and FinTech companies had repercussions, starting a new investment wave in digitalization for banks and financial companies that, investing in modern technologies that improve financial products, services, and processes. Artificial intelligence technologies are one of the cases that emerged rapidly within financial services. These technologies are used for a better user-bank relationship improving the impact regarding solutions, such as digital money management tools. Even though nowadays customers are now used to internet banking, AI applications and the concerns regarding data privacy can impact the intention to adopt these new solutions and technologies. Therefore, it is crucial to understand the main determinants of intention to adopt, risk, and benefit perceptions regarding emerging banking technologies. In response, an experiment was developed to understand and explain the consumer’s intention to adopt AI tools in internet banking, by investigating the influence of privacy and risk perception on the intention to adopt the technology. Participants were randomly exposed to one of two introduction videos: the basic and the exaggerated one. To run the experiment, we collected data using a questionnaire and performed two studies – one with 132 respondents and another one with 155. Although the results prove that the videos had no impact on the risk and privacy perception, our results support some relationships of decomposed theory of planned behavior. To explain the intention to adopt the technology, attitude towards adopting and perceived behavioral control are the key factors. The implications of this research for companies and consumers are discussed.engInternet BankingArtificial IntelligenceDigital Money ManagementConsumer BehaviourIntention to AdoptDecomposed Theory of Planned BehaviorPerceived Risk: Perceived Privacymaster thesis203249348