طراحی مدل ارتباطات بازاریابی دیجیتال با رویکرد انسان‌انگاری ادراک شده و هوش مصنوعی و نقش آن در قصد استفاده از موبایل بانک(مورد مطالعه: بانک‌های خصوصی)

Adam, M., Wessel, M., & Benlian, A. (2023). AI-based chatbots in customer service and their effects on user satisfaction and loyalty: A meta-analysis. International Journal of Bank Marketing, 41(5), 1123–1151. https://doi.org/10.1108/IJBM-03-2022-0125.

Ansari, A., Shojaeian, P. & Arvaneh, M. (2022) The Role of Social Media in Altruistic and Selfish Motives on the Purchase Intention of Consumers of Green Cosmetics. Journal of Business Strategie , 29(20), 147-170. (In Persian)

Azzara, L. N., & Maika, M. R. (2025). Applications Artificial Intelligence (AI) and Machine Learning (ML) in the Mobile Banking Services Industry: A Bibliometric Review.

Charles, V., Rana, N. P., & Jain, V. (2025). Marketing with anthropomorphised AI: insights from consumers. Journal of Consumer Marketing, 42(4), 410-415.

Dabiran, E., Farivar, S., Wang, F., & Grant, G. (2024). Virtually human: anthropomorphism in virtual influencer marketing. Journal of Retailing and Consumer Services, 79, 103797.

Davis, F.D., (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly 13(3), 319–340.

Epley, N., Waytz, A., & Cacioppo, J. T. (2007). On seeing human: A three-factor theory of anthropomorphism. Psychological Review, 114(4), 864–886. https://doi.org/10.1037/0033-295X.114.4.864.

EU report on trustworthy artificial intelligence. (2021).

Gomes, M., Monteiro, V., Mata, L., Peixoto, F., Santos, N., & Sanches, C. (2025). Psicol Reflex Crit. 32(1), 1-9.

Hanafizadeh, P., Behboudi, M. R., Koshksaray, A. A., & Tabar, M. J. S. (2014). Mobile-banking adoption by Iranian bank clients. Telematics and Informatics, 31(1), 62–78. https://doi.org/10.1016/j.tele.2013.03.003.

Hartmann, J., Schwenzow, J., & Witte, M. (2023). Anthropomorphizing artificial intelligence: The role of perceived anthropomorphism in human-AI interaction. International Journal of Human-Computer Interaction. Advance online publication. https://doi.org/10.1080/10447318.2023.2181234.

Hilal, A., & Varela-Neira, C. (2022). Understanding Consumer Adoption of Mobile Banking: Extending the UTAUT2 Model with Proactive Personality. Sustainability,14 (14708), 1-23.

Huang, M. H., & Rust, R. T. (2022). A framework for collaborative artificial intelligence in marketing. Journal of Retailing, 98 (2), 209-223.

Kim, S., & Sundar, S. S. (2022). Anthropomorphic AI agents in interactive marketing: The effects of warmth and competence on user responses. Journal of Interactive Marketing, 57(3), 412–430. https://doi.org/10.1177/10949968221087456.

Laban, G., & Araujo, T. (2023). “I am feeling you”: The formation of human–AI attachment bonds. International Journal of Human-Computer Studies, 171, Article 103002. https://doi.org/10.1016/j.ijhcs.2022.103002.

Lee, S., & Choi, J. (2023). Cultural differences in anthropomorphism of voice assistants: Evidence from South Korea and the United States. Computers in Human Behavior, 140, Article 107598. https://doi.org/10.1016/j.chb.2022.107598.

Lee, Y., & Kim, S. H. (2025). Exploring dimensions of perceived anthropomorphism in conversational AI: Implications for human identity threat and dehumanization. Computers in Human Behavior: Artificial Humans, 100192.

Li, M., & Suh, A. (2022). Anthropomorphism in AI-enabled technology: A literature review. Electronic Markets, 32(4), 2245-2275.

Lin, R.-R., & Lee, J.-C. (2023). The supports provided by artificial intelligence to continuous usage intention of mobile banking: evidence from China. Aslib Journal of Information Management, 1 (1), 1-18.

Lin, R.R., Zheng, Y., & Lee, J.C. (2021). Artificial intelligence-based preimplementation interventions in users’ continuance intention to use mobile banking. International Journal of Mobile Communications. (in press).

Lissillour, R., & Sahut, J.-M. (2026). What future for AI chatbots in banking: From current challenges to mirages? Information Technology & People. https://doi.org/10.1108/ITP-01-2025-0008.

Malhotra, G., & Ramalingam, M. (2025). Perceived anthropomorphism and purchase intention using artificial intelligence technology: examining the moderated effect of trust. Journal of Enterprise Information Management, 38(2), 401-423.

Manser Payne, E. H., Peltier, J., & Barger, V. A. (2021). Enhancing the value co-creation process: artificial intelligence and mobile banking service platforms. Journal of Research in Interactive Marketing, 15(1), 68-85.

Milana, C., & Ashta, A. (2021). Artificial intelligence techniques in finance and financial markets: a survey of the literature”, Strategic Change, 30 (3), 189-209.

Mourey, J. A., & Johnson, C. (2021). Not too human: Anthropomorphism and the uncanny valley in consumer responses to AI. Journal of Consumer Psychology, 31(4), 735–749. https://doi.org/10.1002/jcpy.1258.

Moussawi, S., Koufaris, M. & Benbunan-Fich, R. (2021). How perceptions of intelligence and anthropomorphism affect adoption of personal intelligent agents. Electron Markets 31 (1), 343–364.

Nass, C., & Reeves, B. (1996). The media equation: How people treat computers, television, and new media like real people and places. Cambridge University Press.

Park, H., Ahn, D., & Kim, S. (2022). The role of perceived respectfulness in voice assistant adoption: A cross-cultural comparison. International Journal of Human-Computer Interaction, 38(12), 1124–1136. https://doi.org/10.1080/10447318.2021.1987678.

Prentice, C., Lopes, S.D., & Wang, X. (2019). Emotional intelligence or artificial intelligence: an employee perspective. Journal of Hospitality Marketing and Management, 29 (4), 1-27.

Purington, A., Taft, J. G., Sannon, S., Bazarova, N. N., & Taylor, S. H. (2017). “Alexa is my new best friend”: Social roles and anthropomorphism in human-AI relationships. Proceedings of the 2017 CHI Conference Extended Abstracts on Human Factors in Computing Systems, 2845–2851. https://doi.org/10.1145/3027063.3053246.

Roodsaz, H. Aslipour, H. Sargolzaei, M. Shakiba, A. (2025), Developing Universal Banking Based on Digital Governance. Governance and Development Journal, 5(1), 5-35. (In Persian)

Saad Asad, A. (2020).  Analyzing the impact of inbound marketing strategy implementation on online shopping intention, a study of Soukna online store in Syria. Master's thesis, Faculty of Administrative Sciences and Economics, Isfahan University. (In Persian)

Shaparak Report. (2025). Shaparak Economic Report. (Accessed on: 12/31/2025   https://shaparak.ir/fa/reports). (In Persian)

Salimi, M., Zangi, N., & Hosseini, S. M. (2021). Factors affecting mobile banking adoption in Iran: Application of extended TAM model. Journal of Information Technology Management, 13(2), 123–145. https://doi.org/10.22059/jitm.2021.80345

Salles, A., Evers, K., & Farisco, M. (2020). Anthropomorphism in AI. AJOB neuroscience, 11(2), 88-95.

Shaikh, A.A., & Karjaluoto, H. (2015). Mobile banking adoption: A literature review. Telemat. Inform, 32 (1), 129–142.

Shankar, A., Datta, B., Jebarajakirthy, C., Mukherjee, S. (2020). Exploring Mobile Banking Service Quality: A Qualitative Approach. Serv. Mark. Q, 41 (1), 182–204.

Sharma, S.K., Govindaluri, S.M., Al-Muharrami, S., & Tarhini, A. (2017). A multi-analytical model for mobile banking adoption: a developing country perspective. Review of International Business and Strategy, 27 (1), 133-148.

Suhartanto, D., Syarief, M.E., Chandra Nugraha, A., Suhaeni, T., Masthura, A. & Amin, H. (2022). Millennial loyalty towards artificial intelligence-enabled mobile banking: evidence from Indonesian Islamic banks. Journal of Islamic Marketing, 13 (9), 1958-1972.

Uysal, E., Alavi, S., & Bezençon, V. (2023). Anthropomorphism in artificial intelligence: A review of empirical work across domains and insights for future research. Artificial intelligence in marketing, 273-308.

Venkatesh, V., Morris, M.G., Davis, G.B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly 27 (3), 425–478.

Walker, M., Hedgecock, W., & Small, D. (2020). PARADISE: A model for evaluating anthropomorphic AI in customer service. Journal of Service Research, 23(4), 412–429. https://doi.org/10.1177/1094670520934298.

Yektant Report. (2023). Yektant's narrative of Iranian digital marketing in  2023. (Accessed on: 12/31/2023). https://www.yektanet.com/dmreport1402. (In Persian)   

Zhu, X. (2018). Case II (Part A): JIMI’s growth path: artificial intelligence has redefined the customer service of JD.com. in Zhu, X. (Ed.), Emerging Champions in the Digital Economy, Springer, Singapore, 1(1), 91-103.