Bagana BD, Irsad M, Santoso IH. ARTIFICIAL INTELLIGENCE AS A HUMAN SUBSTITUTION? CUSTOMER’S PERCEPTION OF THE CONVERSATIONAL USER INTERFACE IN BANKING INDUSTRY BASED ON UTAUT CONCEPT. RME [Internet]. 2021 Apr. 29 [cited 2026 Feb. 19];5(1):33-44. Available from: https://ojs.somebut.my.id/index.php/rome/article/view/1632