ADOPTION OF AUTOMATED CHAT-BOTS AND FIRM PROFITABILITY OF DEPOSIT MONEY BANKS IN NIGERIA. Journal of Global Accounting, [S. l.], v. 12, n. 1, p. 108–128, 2026. Disponível em: https://journals.unizik.edu.ng/joga/article/view/7973. Acesso em: 24 jun. 2026.