Percorrer por autor "Zwingelberg, Alexander Alfons"
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- Decoding blame : the effect of humanizing AI on responsibility attribution in financial decision-makingPublication . Zwingelberg, Alexander Alfons; Mendonça, CristinaThe steadily growing integration of artificial intelligence (AI) in the financial service industry offers new opportunities for automation of processes, but also challenges traditional human centric advisory models. Robo-advisors are replacing face-to-face customer interactions; thus, it becomes more important than ever to understand how individuals assign responsibility in joint decision-making processes between humans and AI. Perhaps one of the factors that can influence these judgments is anthropomorphism: the human tendency to attribute human-like characteristics, such as emotions or intentions, to non-human agents like AI. This master’s thesis examines how anthropomorphic design cues and decision outcomes (success vs. failure) influence responsibility attributions in AI-assisted financial decisions. Drawing on attribution theory, a 2×2 between-subjects experiment (N = 366) was conducted in which participants interacted with a simulated financial AI advisor applying two levels of human-likeness. After the service encounter, participants rated the extent to which they felt the AI and themselves were responsible for the decision outcome. Findings reveal that participants overall attributed more responsibility to themselves than to the AI. Contrary to expectations, a more human-like AI did not significantly affect the level of responsibility assigned to the AI. The results suggest that responsibility attribution depends on various internal and external factors, such as perceived task complexity and locus of control. In addition, outcome valence only influenced the responsibility assigned to the AI, but not to the participants. Summarized, the results of this dissertation highlight the complex psychological mechanisms of interactive decision-making between AI and humans.