Technology Acceptance Model
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A Study on Customer Perception towards Chatbot-unable CustomerServices: An Empirical Study of Service Effectiveness andSatisfaction
Abstract: Chatbots have become an integral part of digital customer service strategies across banking, e-commerce, telecommunications, and hospitality. While organizations increasingly adopt AI-based conversational agents to reduce cost and improve responsiveness, the ultimate success of such systems depends on how customers perceive and accept them. This study examines customer perception towards chatbot-based customer services, with specific objectives of analyzing customer satisfaction, evaluating the effectiveness of chatbots in improving customer experience, and …
Published in NOLEGEIN Journal of Global Marketing · Vol. 9, Issue 2, 2026 Read article
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Impact of User Perceptions on Digital Financial Service Usage: Evidence from Rural Households in the Saurashtra Region
Abstract: The rapid expansion of digital financial services (DFS) has improved financial inclusion, particularly in developing economies like India. However, despite better access, their actual use among rural populations remains uneven. This study explores how user perceptions influence the adoption of digital financial services among rural households in the Saurashtra region. Using a quantitative approach, primary data were collected from 275 respondents. The analysis focused on three key perception-based factors—perceived usefulness …
Published in NOLEGEIN Journal of Business Risk Management · Vol. 9, Issue 2, 2026 · pp. 9–23 Read article