The Ultimate Guide to Lead Generation for Financial Advisors

 This is the group of consumers that treat solutions based on digital technologies as something natural and obvious while indicating a higher degree of their acceptance and willingness to buy related products than in case of Y generation representatives. The scientifi c project funded by the National Science Center is called "The Internet of Things in the Process of Virtualization of Consumer Behaviour".The behavioral approach holds that a man shapes his 

technological surroundings and simultaneously directs another guy. Therefore, a consumer under the influence of companies/brands (various new stimuli reaching them by means of digital technologies) at the same time is able to independently apply these technologies in a process of creating new knowledge, so influencing the confi guration of values and rules that 

companies/brands will use. Under such a strategy, digital technology can turn into a specific catalyst for interactions between a consumer and a firm or brand.Observed dataism enforces, in a natural way, mechanisms, both in a man-consumer and a company/brand related to the adaptation to the volatile digital environment. A wide spectrum of potential functionalities and 

Benefits that chatbots will generate in marketing 

causes that imperative of the survival of the species. What is also signifi Consequently, interaction with human is the most important challenge for machines in terms of proving their usability. Surely, they will be a topic of great interest in the next years. The new customer contacts are appealing since there is benefit for all the proveto, many different sectors and 

markets, different groups of consumers or varied uses. Studies on particular digital technologies (such as IoT, artificial intelligence or their specific applications: Chatbots, Beacons or Digital Twins) or their ecosystems also find great success using them. Nonetheless, human-digital technology interactions seem increasingly complicated (we 

remain an element in that system); hence, benefi ting from achievements of many scientifi c areas and disciplines (biology, psychology, sociology, cybernetics, physics, industrial engineering, economics, etc.). They create their own standards, rules, and values. Furthermore, many of these dependencies are still unknown and/or unconscious; they will be shaped concurrently during deepening of symptoms and effects of digital transformation 

Variables resulting from intensi cation

of absorption of these technologies and their penetration into all spheres of human activity).Human - to - Human interactions are today coupled with Human - to - Machine and Machine interactions. Although more delicate, the network of these interactions is consistent, remarkable, and quite specific (Benz, Meikle, 2018, p. 46). Referring to the notion of 

computationism, it might be hypothetically argued that, much how computers are programmed in an algorithmic manner, it would be possible to model consumer's cognitive processes concerning chatbots and the breadth of their interactions with them. Moreover, the idea of computationism was harshly attacked and such an approach begs ethical questions 

that would be surely difficult to apply in market reality.In this situation, a far superior strategy is the connectionism method, which would cause a degree of consumer interaction with chatbots in marketing to follow from their slow learning. Fundamentally, this is essentially an interaction between a stimulus (business/brand activity) expressing digital technology and a reaction of its recipient, consumer. Accompanying elements and brand behavior e.g. 

Rewarding such behavior with regard to chatbots

that are desired by the brand (positive enhancement e.g. additional profi ts that a consumer gets), can strengthen specifi c attitudes and behavior approved by a company or brand, and simultaneously marginalize or eliminate those that are disadvantageous for them (aversive enhancement). Taking into account possible positive and negative enhancements produced by a consumer, such as more frequent brand choice using solutions based on chatbots 

(bilingualism of a given model), it would also be worth considering a possible reverse direction of that relation as determinant of companies/brands' behavior. Here, we are referring to the Darwin's theory aimed at the rbial win-win situation and the necessary survival of an individual. The client receives a developing "product" (chatbot) that always satisfies its wants and the businesses is driven to grow its company to raise customer lifetime value (Sinclair, 

It motivates to have a conversation about an interaction between a human-machine and smart technology in addition to social acceptability of these technologies, thereby forming more or less advanced models. These days one can find in the literature both national and international many cases of studies on the acceptance of new technologies enabling to explain and characterize consumer's interest and involvement in different technologies and 

Conclusion

related solutions. Using mobile Internet, e-commerce, m-commerce, electronic banking, e-learning or social media raises questions. Practically, the examined models and their corresponding changes make sense and provide the research foundation with regard. At the stage of detailed studies on using chatbots in marketing and a range of their interaction between a man (consumer) and this technology a very useful model would undoubtedly be 

the classical TAM model. In spite of some criticism, it is one of the most popular research models in the area of acceptance of new technologies. External variables included in the model should concern both, activities realized by companies/brands in that area (e.g. the scope of using them in marketing practice, a level of advancement of individual solutions, their degree of functionality, etc.) as well as their user (in particular: age, sex, personality 

traits, interest in new technologies, previous experience in that area or sympathy for them). They defi nitely infl uence attitudes, intentions and behavior of consumers, which is of crucial importance in the processes of absorption and adaptation of this technology in marketing of post digital era. However, while thinking about models of interaction between a consumer and digital technology, including chatbots and their application in marketing (Consumer 

Interactions), we should take into account, subsequently, multidimensionality of potential interactions (e.g. activities and their effects, individuality and collectivity of interactions, space generated only by a man, space generated only by a chatbot along with hybrid solutions) and treat them as complex adaptation models which consist of numerous interacting elements that can change in time as well as learn due to further interactions and experience. At the same