의료 및 금융 서비스에서 인간-AI 에이전트 선호도에 소비자가 지각하는 공감 능력의 중요성이 미치는 영향

This study explores variations in preferences for human and AI agents within the medical and financial services. Study 1 investigates whether there are preferential disparities between human and AI agents across these service domains. It finds that human agents are favored over AI agents in medical services, while AI agents receive greater preference in the financial services. Study 2 delves into the underlying reasons for the preference differentials between human and AI agents by assessing the significance of certain capabilities as perceived by users in each domain. The findings reveal a mediating role of perceived empathy importance in the effect of service domains on human-AI preference. Furthermore, perceived empathy is deemed a more critical capability by users for preferring human over AI agents across both service domains compared to other capabilities such as experience and agency. This research is noteworthy for elucidating the variances in preferences for human and AI agents across medical and financial services and the rationale behind these differences. It enhances our theoretical comprehension of the pivotal factors influencing preferences for human and AI agents, underscoring the significance of human experiential capabilities like empathy.