Dear Sindhu Singh ,

The anthropomorphism of AI in the management of financial systems poses a significant challenge in contemporary finance and technology. As artificial intelligence systems become increasingly integrated into the financial industry, there is a growing tendency to attribute human-like qualities [1], intentions, and reasoning to these AI entities. This anthropomorphism, while sometimes unintentional, can have profound implications for the way financial systems are managed.

https://7universum.com/ru/tech/archive/item/20199

Regards,

Shafagat

Dear Shafagat,

Thank you for sharing the view. The perception of anthropomorphism even differs in different cultural settings.

Research into AI anthropomorphism and its impact on digital banking channels is not only pertinent but essential, considering the growing presence of virtual assistants, chatbots, and intelligent agents in people's financial lives. How users perceive these AIs—whether more human or more "mechanical"—directly influences trust, empathy, and willingness to interact with digital services.

The beauty of this topic is that it isn't limited to a one-size-fits-all approach. Different cultures can respond differently to the same digital agent: in some, the humanization of AI can generate closeness and trust; in others, it can be perceived as artificial or even uncomfortable. This creates an incredible opportunity to investigate how cultural values, consumer habits, and technological perception shape the relationship between humans and machines.

Sound research could combine qualitative and quantitative methods: interviews and questionnaires to capture emotional nuances, usability testing and engagement metrics to measure actual behavior, and cross-cultural analyses to understand patterns and divergences across contexts. Furthermore, it is important to reflect on the ethical limits of this humanization: to what extent is it appropriate for digital agents to "appear human" without inducing undue expectations or trust?

For a better understanding, it is important to grasp the concept: anthropomorphism is the process of attributing human motivations, emotions, or characteristics to non-human entities, real or imagined (ALABED; JAVORNIK & GREGORY-SMITH, 2022). In other words, we are studying not just machines or interfaces, but how humans project feelings and intentions onto them, and how this shapes digital experiences, decisions, and relationships of trust.

ALABED, A.; JAVORNIK, A.; & & GREGORY-SMITH, D. AI anthropomorphism and its effect on users' self-congruence and self–AI integration: A theoretical framework and research agenda. Technological Forecasting and Social Change, Volume 182, September 2022, 19 p. Disponível em: .

Hello... I can participate in conducting the study and cooperate in publishing it