Citation and attachment:
Research article
Flavián, Carlos, Alfredo Pérez-Rueda, Daniel Belanche, and Luis V Casaló. “Intention to Use Analytical Artificial Intelligence (AI) in Services – the Effect of Technology Readiness and Awareness.” Journal of Service Management Ahead-of-print.Ahead-of-print (2021): Journal of Service Management, 2021-09-21, Vol. ahead-of-print (ahead-of-print). Web.

What is the abstract of the article?  (10 pts) 
Purpose – The automation of services is rapidly growing, leading by banking and financial investment sectors. The growing number of assets managed by artificial intelligence (AI) suggests that this technology-based service will become increasingly popular. This study examines how customers’ technology readiness and service awareness affect their intention to use analytical AI investment services. Design/methodology/approach – Hypotheses were tested with a data set of 404 North American-based potential customers of Robo-advisors. In addition to technology readiness dimensions, the potential customers’ characteristics were included in the framework as moderating factors (age, gender, and previous experience with financial investment services). A post-doc analysis examined the roles of service awareness and the financial advisor’s name (i.e., Robo-advisor vs. AI-advisor). Findings – The results indicated that customers’ technological optimism increases and insecurity decrease, their intention to use Robo-advisors. Surprisingly, feelings of technological discomfort positively influenced Robo-advisor adoption. This interesting finding challenges previous insights into technology adoption and value co-creation as analytical AI puts customers into a passive role and reduces barriers to technology adoption. The research also analyzes how consumers become aware of Robo-advisors and how this influences their acceptance. Originality/value – This is the first study to examine the role of customers’ technology readiness in the adoption of analytical AI. The authors link the findings to previous technology adoption and automated services’ literature and provide specific managerial implications and avenues for further research. Keywords Artificial intelligence, Technology readiness, Optimism, Innovativeness, Discomfort, Insecurity, Awareness, Intention to use, Robot, Robo-advisor, Financial services, FinTech Paper type Research paper

Was the study experimental or non-experimental? Explain, tell us what made that clear.  (10 pts)
This study was Experimental. The researchers manipulate the survey to ask participants about certain financial services. One group had an advisor referred to as AI, and the other was referred to as the Robo group. The researchers controlled what was asked and how the scenario was worded.

Was the research qualitative or quantitative? Again, explain. (10 pts)
This is Qualitative research. This is due to having a survey that gives a financial advisor scenario and has the participants split up randomly to go through the system. Reading the results of this case, you know it’s Qualitative due to them going through the results and studying how the participants react to the survey.

What was the population studied? Why do you say that? (5 pts)
This survey was sent out to over 7000 US-based and English-speaking banks’ consumers. They were trying to see how an average person would react to the AI or Robot advisor and see how it affects the consumer and their experience. So the population the researchers were trying to study is everyone that uses a bank.

What sample was used for this study? Explain. (5 pts)
The Sample for this study was 404 out of the 7000 sent out. the sample was random to any age or gender. The survey also included a link to a scenario where it was randomly chosen to be a part of the two different types of advisors to see how they reacted.

What was the method of measurement? (10 pts)

If the research was qualitative, what data was collected?
the data collected was how the participants reacted to having the randomly selected advisor. The researchers looked at how age, gender, the influence of innovativeness, and the difference of reactions between the two different advisors affect the participants.

What was the method of analysis? (10 pts)
If the research was qualitative, in what manner was the data analyzed?
The researchers first compared the differences in the participants in the same group. The researchers looked at stuff like age and gender to see how they reacted. Second, the researchers went on to compare all the beginning data to see how the names of the advisors affected the participants. they also you t-scores to compare as well.

What was the conclusion of the study? (10 pts)
The conclusion of this was that AI increases a person’s technological optimism. They also found that when people were aware that it was an AI, their acceptance was not as high as if they were not aware.

Why is this study useful to you? Explain in detail. (10 pts)
This study is important to me because it talks about the use of AI in our daily lives. It is also beneficial because I see how the typical day people react and use AI. This helps us understand if we want to start using it more or if we need to use it less.

What would be the next logical step in extending this study? (10 pts)
The next logical step for me would be to study the differences in how people react to AI vs. Actual humans. This way, we can see if there is a difference in how people respond to the two and see if they accept one over the over and see how the different ages and gender differences on the subject.