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Feng-Ying Zhuo

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Open access Oct 2026

When Trust and Privacy Pull in Opposite Directions: Consumer Decision Making with Conversational AI

The findings indicate that consumer responses to conversational AI reflect competing benefit–risk evaluations rather than a uniformly positive acceptance process, and that AI literacy is differentially associated with the strength of the trust–intention and privacy concern–intention relationships.

Feng-Ying Zhuo, Jun-Qing Zhu, Chen-Shu Liu · Behavioral Science · 0 citations