“Sustainable Automation in Financial Services: Evaluating Chatbot Efficiency, Equity, and Experience in Costa Rica’s Digital Transformation”. Studia Universitatis Vasile Goldiș Arad, Seria Științe Economice 36, no. 3 (July 17, 2026): 92–127. Accessed October 27, 2026. https://publicatii.uvvg.ro/index.php/studiaeconomia/article/view/910.