Publicação
AI-induced privacy concerns
| Resumo: | Purpose This study explores the factors influencing customers’ willingness to disclose personal information (WDPI) in electronic banking (e-banking), with a focus on how fear of artificial intelligence (AI) moderates these relationships. Grounded in privacy calculus theory, the research model incorporates personalization, financial literacy, satisfaction and loyalty as key predictors of WDPI. Design/methodology/approach A survey was administered to 408 e-banking users in Portugal, and the data were analyzed using partial least squares structural equation modeling (PLS-SEM). Findings Results show that personalization and loyalty have a positive impact on WDPI, while financial literacy negatively affects it. Satisfaction indirectly influences WDPI through loyalty. Fear of AI moderates two key pathways: it diminishes the positive effect of personalization and amplifies the negative impact of financial literacy on WDPI. The model accounts for 36% of the variance in WDPI. Originality/value This study advances the understanding of information disclosure in digital banking by integrating cognitive (e.g. financial literacy and personalization) and emotional (e.g. fear of AI) dimensions. It highlights how psychological responses to AI shape customer behavior, offering novel insights for e-banking service personalization strategies and privacy management. |
|---|---|
| Autores principais: | de Matos, Celso Augusto |
| Outros Autores: | Rohden, Simoni F.; Lourenço Azevedo, Ana Barbara |
| Assunto: | Fear of AI Financial literacy Personalization Willingness to disclose personal information Marketing SDG 1 - No Poverty SDG 12 - Responsible Consumption and Production |
| Ano: | 2026 |
| País: | Portugal |
| Tipo de documento: | artigo |
| Tipo de acesso: | acesso aberto |
| Instituição associada: | Universidade Nova de Lisboa |
| Idioma: | inglês |
| Origem: | Repositório Institucional da UNL |
| _version_ | 1868414044806840320 |
|---|---|
| author | de Matos, Celso Augusto |
| author2 | Rohden, Simoni F. Lourenço Azevedo, Ana Barbara |
| author2_role | author author |
| author_facet | de Matos, Celso Augusto Rohden, Simoni F. Lourenço Azevedo, Ana Barbara |
| author_role | author |
| contributor_name_str_mv | Information Management Research Center (MagIC) - NOVA Information Management School NOVA Information Management School (NOVA IMS) Associação Portuguesa para o Estudo do Quaternário (APEQ) RUN |
| country_str | PT |
| creators_json_txt | [{\"Person.name\":\"de Matos, Celso Augusto\"},{\"Person.name\":\"Rohden, Simoni F.\"},{\"Person.name\":\"Lourenço Azevedo, Ana Barbara\"}] |
| datacite.contributors.contributor.contributorName.fl_str_mv | Information Management Research Center (MagIC) - NOVA Information Management School NOVA Information Management School (NOVA IMS) Associação Portuguesa para o Estudo do Quaternário (APEQ) RUN |
| datacite.creators.creator.creatorName.fl_str_mv | de Matos, Celso Augusto Rohden, Simoni F. Lourenço Azevedo, Ana Barbara |
| datacite.date.Accepted.fl_str_mv | 2026-05-27T00:00:00Z |
| datacite.date.available.fl_str_mv | 2026-01-14T15:51:26Z |
| datacite.date.embargoed.fl_str_mv | 2026-01-14T15:51:26Z |
| datacite.rights.fl_str_mv | http://purl.org/coar/access_right/c_abf2 |
| datacite.subjects.subject.fl_str_mv | Fear of AI Financial literacy Personalization Willingness to disclose personal information Marketing SDG 1 - No Poverty SDG 12 - Responsible Consumption and Production |
| datacite.titles.title.fl_str_mv | AI-induced privacy concerns examining the moderating effect of AI fear on customer data sharing |
| dc.contributor.none.fl_str_mv | Information Management Research Center (MagIC) - NOVA Information Management School NOVA Information Management School (NOVA IMS) Associação Portuguesa para o Estudo do Quaternário (APEQ) RUN |
| dc.creator.none.fl_str_mv | de Matos, Celso Augusto Rohden, Simoni F. Lourenço Azevedo, Ana Barbara |
| dc.date.Accepted.fl_str_mv | 2026-05-27T00:00:00Z |
| dc.date.available.fl_str_mv | 2026-01-14T15:51:26Z |
| dc.date.embargoed.fl_str_mv | 2026-01-14T15:51:26Z |
| dc.format.none.fl_str_mv | application/pdf |
| dc.identifier.none.fl_str_mv | http://hdl.handle.net/10362/198988 |
| dc.language.none.fl_str_mv | eng |
| dc.rights.none.fl_str_mv | http://purl.org/coar/access_right/c_abf2 |
| dc.subject.none.fl_str_mv | Fear of AI Financial literacy Personalization Willingness to disclose personal information Marketing SDG 1 - No Poverty SDG 12 - Responsible Consumption and Production |
| dc.title.fl_str_mv | AI-induced privacy concerns examining the moderating effect of AI fear on customer data sharing |
| dc.type.none.fl_str_mv | http://purl.org/coar/resource_type/c_6501 |
| description | Purpose This study explores the factors influencing customers’ willingness to disclose personal information (WDPI) in electronic banking (e-banking), with a focus on how fear of artificial intelligence (AI) moderates these relationships. Grounded in privacy calculus theory, the research model incorporates personalization, financial literacy, satisfaction and loyalty as key predictors of WDPI. Design/methodology/approach A survey was administered to 408 e-banking users in Portugal, and the data were analyzed using partial least squares structural equation modeling (PLS-SEM). Findings Results show that personalization and loyalty have a positive impact on WDPI, while financial literacy negatively affects it. Satisfaction indirectly influences WDPI through loyalty. Fear of AI moderates two key pathways: it diminishes the positive effect of personalization and amplifies the negative impact of financial literacy on WDPI. The model accounts for 36% of the variance in WDPI. Originality/value This study advances the understanding of information disclosure in digital banking by integrating cognitive (e.g. financial literacy and personalization) and emotional (e.g. fear of AI) dimensions. It highlights how psychological responses to AI shape customer behavior, offering novel insights for e-banking service personalization strategies and privacy management. |
| dirty | 0 |
| eu_rights_str_mv | openAccess |
| format | article |
| fulltext.url.fl_str_mv | https://run.unl.pt/bitstreams/cc51b062-91ad-4a43-8278-598b16aaa3d0/download |
| id | run_e2b419f9405e2c19c58d0e2a3bdfc409 |
| identifier.url.fl_str_mv | http://hdl.handle.net/10362/198988 |
| instacron_str | unl |
| institution | Universidade Nova de Lisboa |
| instname_str | Universidade Nova de Lisboa |
| language | eng |
| network_acronym_str | run |
| network_name_str | Repositório Institucional da UNL |
| oai_identifier_str | oai:run.unl.pt:10362/198988 |
| organization_str_mv | urn:organizationAcronym:unl |
| person_str_mv | de Matos, Celso Augusto Rohden, Simoni F. Lourenço Azevedo, Ana Barbara |
| publishDate | 2026 |
| reponame_str | Repositório Institucional da UNL |
| repository_id_str | urn:repositoryAcronym:run |
| service_str_mv | urn:repositoryAcronym:run |
| spelling | engenPurpose This study explores the factors influencing customers’ willingness to disclose personal information (WDPI) in electronic banking (e-banking), with a focus on how fear of artificial intelligence (AI) moderates these relationships. Grounded in privacy calculus theory, the research model incorporates personalization, financial literacy, satisfaction and loyalty as key predictors of WDPI. Design/methodology/approach A survey was administered to 408 e-banking users in Portugal, and the data were analyzed using partial least squares structural equation modeling (PLS-SEM). Findings Results show that personalization and loyalty have a positive impact on WDPI, while financial literacy negatively affects it. Satisfaction indirectly influences WDPI through loyalty. Fear of AI moderates two key pathways: it diminishes the positive effect of personalization and amplifies the negative impact of financial literacy on WDPI. The model accounts for 36% of the variance in WDPI. Originality/value This study advances the understanding of information disclosure in digital banking by integrating cognitive (e.g. financial literacy and personalization) and emotional (e.g. fear of AI) dimensions. It highlights how psychological responses to AI shape customer behavior, offering novel insights for e-banking service personalization strategies and privacy management.application/pdfenAI-induced privacy concernsSubtitleenexamining the moderating effect of AI fear on customer data sharingde Matos, Celso AugustoRohden, Simoni F.Lourenço Azevedo, Ana BarbaraInformation Management Research Center (MagIC) - NOVA Information Management SchoolNOVA Information Management School (NOVA IMS)Associação Portuguesa para o Estudo do Quaternário (APEQ)HostingInstitutionOrganizationalRUNe-mailmailto:run@unl.ptrun@unl.ptISSNIsPartOf0265-2323URNIsPartOfPURE: 146542942URNIsPartOfPURE UUID: 8dd38686-3b3e-4e49-ba53-a8681b18cec7URNIsPartOfcrossref: 10.1108/IJBM-05-2025-0403URNIsPartOfScopus: 105025450982URNIsPartOfWOS: 001636630000001DOIIsPartOf10.1108/IJBM-05-2025-04032026-01-14T15:51:26Z2026-05-272026-05-27T00:00:00ZHandlehttp://hdl.handle.net/10362/198988http://purl.org/coar/access_right/c_abf2open accessFear of AIFinancial literacyPersonalizationWillingness to disclose personal informationMarketingSDG 1 - No PovertySDG 12 - Responsible Consumption and Production809201 bytesliteraturehttp://purl.org/coar/resource_type/c_6501journal articlehttp://purl.org/coar/access_right/c_abf2application/pdffulltexthttps://run.unl.pt/bitstreams/cc51b062-91ad-4a43-8278-598b16aaa3d0/download |
| spellingShingle | AI-induced privacy concerns de Matos, Celso Augusto Fear of AI Financial literacy Personalization Willingness to disclose personal information Marketing SDG 1 - No Poverty SDG 12 - Responsible Consumption and Production |
| status | SINGLETON |
| subject.fl_str_mv | Fear of AI Financial literacy Personalization Willingness to disclose personal information Marketing SDG 1 - No Poverty SDG 12 - Responsible Consumption and Production |
| title | AI-induced privacy concerns |
| title_full | AI-induced privacy concerns |
| title_fullStr | AI-induced privacy concerns |
| title_full_unstemmed | AI-induced privacy concerns |
| title_short | AI-induced privacy concerns |
| title_sort | AI-induced privacy concerns |
| topic | Fear of AI Financial literacy Personalization Willingness to disclose personal information Marketing SDG 1 - No Poverty SDG 12 - Responsible Consumption and Production |
| topic_facet | Fear of AI Financial literacy Personalization Willingness to disclose personal information Marketing SDG 1 - No Poverty SDG 12 - Responsible Consumption and Production |
| url | http://hdl.handle.net/10362/198988 |
| visible | 1 |