결론 및 시사점

Accenture, 2025, “Global Banking Consumer Study 2025”.
Ben Shneiderman, 2020, “Human-Centered Artificial Intelligence: Three Fresh Ideas,” AIS Transactions on Human- Computer Interaction , 12(3), Article 1.
Berkeley Dietvorst et al., 2015, “Algorithm aversion: People erroneously avoid algorithms after seeing them err.”, Journal of Experimental Psychology: General , 144(1), 114–126.
Capgemini, 2018, “The Secret to Winning Customers’ Hearts with Artificial Intelligence”.
Cathy Yang et al., 2025, “My Advisor, Her AI, and Me: Evidence from a Field Experiment on Human–AI Collaboration and Investment Decisions,” Management Science , 72(1), 242-264.
Deloitte, 2021, “Building on the digital banking momentum”.
Fiona Greig et al., 2023, “Algorithm Aversion: Theory and Evidence from Robo-Advice”, Working Paper, Bocconi University.
Gustia Intan Syafira, 2023, “A Study of The Antecedents, Threats, and Consequences of Psychological Ownership”, Ewha Womans University.
JD POWER, 2024, “AV Readiness Increases After a Two-Year Decline, JD Power Finds”.
Jennifer Logg et al., 2019, “Algorithm appreciation: People overlook algorithmic advice, but appreciate it more than human advice,” Organizational Behavior and Human Decision Processes , 151, 90-103.
Jihyung Han et al., 2025, “Trust Formation, Error Impact, and Repair in Human–AI Financial Advisory: A Dynamic Behavioral Analysis”, Behavioral Sciences , 15(10), 1370.
Miguel Centeno et al., 2024, “A Delusion of Control: Loss of Agency in Modern Complex Systems,” Global Perspectives , 5(1), 117309.
Milo Bianchi et al., 2026, “Human-Robot Interactions in Investment Decisions,” Management Science , 72(1), 14-31.
PwC, 2024, “PwC’s Voice of the Consumer Survey 2024: Shrinking the consumer trust deficit”.
Retail Banker International, 2025, “AI: Reimagining human-centric retail banking”.
Richard Thaler, 1999, “Mental Accounting Matters”, Journal of Behavioral Decision Making.
Serkan Cengiz et al., 2025, “Generative artificial intelligence acceptance and artificial intelligence anxiety among university students: The sequential mediating role of attitudes toward artificial intelligence and literacy”, Current Psychology , 44 (9), 7991–8000.
Shaoshan Liu, 2026, “Emotion as an Operating System of Silicon-Based Life”, Communications of the ACM.
Siyuan Yin et al., 2025, “The life you save (for): Experiences dominate goods in motivating savings”, TIAA Institute Research Paper Series.
Yeh-Jun Lee et al., 2022, “The Safety Paradox of Self-Driving Cars”, Asia Marketing Journal, 23(4), 1-17.
Yunhao Zhang et al., 2020, “Overcoming algorithm aversion: The role of transparency in human-AI collaboration”, Proceedings of the 2020 CHI Conference on Human Factors in Computing Systems , 1–12.
Yunzhijun Yu et al., 2025, “Whose voice is it anyway? Understanding AI customization and responsibility attribution in human-AI collaboration”, International Journal of Human–Computer Interaction .