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Factors Influencing Intention to Use Retail Loan Services Through Artificial Intelligence Approval |
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| รหัสดีโอไอ | |
| Creator | Sumontha Toungsittinun |
| Title | Factors Influencing Intention to Use Retail Loan Services Through Artificial Intelligence Approval |
| Publisher | MSMIS Thammasat University |
| Publication Year | 2569 |
| Journal Title | Journal of information systems in Business |
| Journal Vol. | 12 |
| Journal No. | 1 |
| Page no. | 35 |
| Keyword | Unified Theory of Acceptance and Use of Technology, Perceived Risk, Attitude, Intention to Use, Retail Loan, Artificial Intelligence |
| URL Website | http://www.jisb.tbs.tu.ac.th |
| ISSN | 3088-1692 |
| Abstract | This research aims to investigate the factors influencing intention to use retail loan services through artificial intelligence approval. The research employs a survey method with a sample of 176 employees from the small loan service sector of Thai financial institutions. Data was collected using an online questionnaire and analyzed using statistical software. The data analysis was based on the Unified Theory of Acceptance and Use of Technology (UTAUT), the concept of perceived risk in relation to technology adoption, and the concept of attitudes towards technology use, to analyze the influence of various factors and their relationships. The findings reveal that factors in the UTAUT model have a significant positive relationship with the intention to use retail loan services through artificial intelligence approval. Specifically, performance expectancy, effort expectancy, social influence, and facilitating conditions all positively influence the intention to use the service. Additionally, the concept of attitude towards technology showed a positive impact on the intention to use the service. In contrast, technology anxiety and perceived risk did not significantly affect the intention to use retail loan services through artificial intelligence approval. |
