Bagana, Batara Daniel, Moch Irsad, and Ignatius Hari Santoso. 2021. “ARTIFICIAL INTELLIGENCE AS A HUMAN SUBSTITUTION? CUSTOMER’S PERCEPTION OF THE CONVERSATIONAL USER INTERFACE IN BANKING INDUSTRY BASED ON UTAUT CONCEPT”. Review of Management and Entrepreneurship 5 (1):33-44. https://doi.org/10.37715/rme.v5i1.1632.