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                <text>Mobile money service is a major retail financial service provided by telecommunication firms and formal banking institutions in many countries in Sub-Saharan Africa. The increased patronage of mobile money services demands that telecommunication firms enhance the quality-of-service delivery they offer in order to stay competitive. The purpose of this paper is to investigate the service quality factors that influence customer satisfaction and continuance usage of mobile money services. Data were collected from 494 users of mobile money services. Using structural equation modeling, this study tested hypotheses on the effect of service quality variables on customer satisfaction and continuance usage of mobile money services. The findings indicate that the availability of services, facilities, and security influence customer satisfaction, whereas the expertise of the service provider, the operator’s network system, and responsiveness influence continued use of mobile money services. The findings of this study will assist mobile money service providers and policymakers in planning services that will increase customer satisfaction and retention. The study contributes to identifying service quality constructs that influence customer satisfaction and continuance usage in the mobile money context</text>
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                <text>Artificial intelligence is often observed as a means to automate operations, not as a device to&#13;
enhance and support human workers. When human and artificial capitals have the capability&#13;
to not only generate efficiencies within business practices, they can transform and create new&#13;
opportunities. Due to the unique self-learning proficiency of emerging AI technology, the study&#13;
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problem-solving, and decision-making (Mannino, 2015). AI simply is system software that</text>
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