Variable	Items	Source
AI Anthropomorphism	The AI assistant seems to have human-like qualities.	(Bartneck et al., 2009)
	The way the AI speaks sounds warm and friendly, like a person.
	The AI assistant appears to understand my emotions.
	The AI has a personality that feels real.
	The AI explains decisions in plain language you understand.
Perceived Social Presence	I feel like I am interacting with a real person.	(Gefen & Straub, 2004)
	The AI assistant gives me a sense of being “together” during our interaction.
	I feel that the AI is attentive to what I say.
	The interaction feels socially engaging, not mechanical.
Trust in the AI System	Even though data laws are weak here, this AI tries to protect my information.	(Chowdhury et al., 2022)
	The AI is competent in handling my banking needs.
	I feel confident that the AI will act in my best interest.
	The AI is honest and truthful in its responses.
	I can rely on the AI to perform as expected.
Intention to Adopt AI-Driven Banking Services	I intend to use AI-driven banking services in the future.	(Liu et al., 2022)
	I plan to rely on AI for my banking inquiries.
	I would recommend using AI banking services to others.
	I will continue using AI banking services if available.
	I am willing to adopt new AI features offered by my bank.
Skepticism Toward AI	I doubt that an AI can truly understand my financial needs.	(Zhang et al., 2016)
	I am suspicious about how my data is used by AI banking systems.
	I believe AI banking services are more about corporate control than customer benefit.