DIGITAL ERGONOMICS IN EDUCATIONAL ENVIRONMENTS: OPTIMISING USER WELLBEING – A CRITICAL REVIEW
June 30, 2025AI-POWERED LOAN SERVICES: A CUSTOMER-CENTRIC ANALYSIS
*Sneha, P., **Afsath, P. P., & ***Santhosh Babu, P. C.
*Research Scholar, Department of Commerce, MES Keveeyam College, Valanchery, University of Calicut, Malappuram, Kerala, India.
**Post Graduate student, Department of Commerce, MES Keveeyam College, Valanchery, Kerala, India.
***Assistant Professor, Department of Commerce, MES Keyeeyam College, Valanchery, University of Calicut, Malappuram, Kerala, India.
Abstract
The infusion of Artificial Intelligence (AI) in the banking industry has transformed the service delivery, especially the process of loan disbursement. In this context, the present study intends to explore the customers’ awareness, perception, and willingness to adopt AI-powered loan services. To fulfill the objectives, a descriptive cross-sectional research design was employed, and the required data was collected using a structured questionnaire from customers of commercial banks. The findings revealed a moderate level of awareness and positive perceptions among customers about AI-powered loan services. Both awareness and perception were found to have significant positive contributions towards their willingness to adopt AI-powered loan services. The findings also suggest various practical implications for banks and other financial service providers to ensure the successful implementation of technological advances in the banking sector.
Keywords
AI-powered loan services, customer awareness, customer perception, and willingness to adopt AI
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To cite this article
Sneha, P., Afsath, P. P., & Santhosh Babu, P. C. (2025). AI-Powered Loan Services: A Customer-Centric Analysis. John Foundation Journal of EduSpark, 7(2), 1-16.