Crossref DOIMemberCiteFactoropen accessissn
SJIF Impact Factor 8.659 | ISSN: 2582-3930
IJSREM Logo

International Journal of Scientific Research in Engineering and Management

(Gateway to Global Scholars - An International, Scholarly, Multi-Disciplinary, Open Access Journal)

Peer-Reviewed Journal Designed to Meet UGC's Quality Parameters

HomeCurrent IssuePast IssuesPay OnlineConferencesEditorial BoardAbout UsContact Us
IJSREM

Loading article...

Follow Us

  • Google Scholar
  • ResearchGate
  • Academia.edu
  • Mendeley
  • LinkedIn
  • Facebook
  • Instagram

Journal Policies

  • Peer Review Policy
  • Publication Ethics
  • Copyright Infringement
  • Refund & Cancellation Policy
  • Terms and Conditions
  • Privacy Policy

Journal Identifiers & Licenses

  • ISSN Verified: 2582-3930ISSN Verified: 2582-3930
  • Crossref DOI: 10.55041Crossref DOI: 10.55041
  • SJIF Ranking: 08.659SJIF Ranking: 08.659
  • Licensed under CC BY 4.0Licensed under CC BY 4.0
  • ISO Certification: 9001:2015ISO Certification: 9001:2015
  • Indexed & Cited In: Google ScholarIndexed & Cited In: Google Scholar

Contact Us

International Journal of Scientific Research in Engineering and Management (IJSREM)

#62/1, New No 7, 1st Cross, 2nd Main, Ganganagar, R T Nagar, Bangalore North, Bangalore, Karnataka, India – 560032
[email protected]+91 93911 67991
logos
logos
Working Hours

Mon – Sat: 9:00 AM – 6:00 PM

Sunday: 10:00 AM – 4:00 PM

+91 93911 67991

© 2026 IJSREM – International Journal of Scientific Research in Engineering and Management. This is an open-access journal. Articles are published under the Creative Commons Attribution (CC BY 4.0) License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.

DisclaimerPrivacy PolicyTerms and Conditions
ArticlePeer ReviewedOpen AccessPlagiarism Passed
Paper ID:IJSREM68468

Service Friction, Digital Disengagement and Customer Attrition in Retail Banking: Evidence from Open Banking Data and a Chatbot-Led Retention Framework for UAE Banks

Stream/Area:

-

Subject:

-

Paper ID:

IJSREM68468

Volume:

10 |

10 |

Oct 2026

Pages:

1-20

Publication Frequency:

Monthly (12 issues per year)

DOI
Digital Object Identifier
10.55041/IJSREM68468

License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.

Share this article:

Authors

SB

Sanjib Barman

School of Management

Suresh Gyan Vihar University, Jaipur

Download Author Certificate
PKS

Praveen Kumar Sharma

School of Management

Suresh Gyan Vihar University, Jaipur

Download Co-Author Certificate
LK

Lokesh Kumar

School of Management

Suresh Gyan Vihar University, Jaipur

Download Co-Author Certificate
SS

Sandeep Saxena

School of Management

Suresh Gyan Vihar University, Jaipur

Download Co-Author Certificate
KSG

Kuldeep Singh Gour

School of Management

Suresh Gyan Vihar University, Jaipur

Download Co-Author Certificate
MS

Manish Shrivastava

School of Management

Suresh Gyan Vihar University, Jaipur

Download Co-Author Certificate

Author Services & Downloads

Full ArticlesAcceptance Certificate

Abstract

Purpose. Banks in the United Arab Emirates (UAE) are investing heavily in AI-based chatbots, yet managers still lack evidence on which customer behaviours a chatbot can realistically change and how much those behaviours matter for retention. This study isolates the behavioural signals that precede attrition and quantifies the share of attrition risk that a conversational agent can address. Design. A secondary, quantitative design analyses two independent open retail-banking datasets: a primary sample of 10,127 credit-card customers (1,627 attrited) and a replication sample of 10,000 bank customers (2,037 exited). Five chatbot-addressable engagement levers were operationalised: inactivity, service-contact intensity, transaction frequency, engagement momentum and relationship breadth. The analysis combines Wilson confidence intervals, chi-square tests with Cramér's V, Welch t-tests with Cohen's d, nested binary logistic regression, a composite Digital Engagement Index (DEI), bootstrap what-if scenarios and a two-axis retention priority map. Findings. Demographics barely separated leavers from stayers (Cramér's V ≤ 0.037), whereas the engagement levers did (V = 0.17–0.21; |d| up to 1.09). Adding the five levers to a controls-only model raised McFadden's pseudo-R² from 0.070 to 0.405 and the AUC from 0.693 to 0.899 (LR χ²(5) = 2,987, p < .001). Each standard-deviation rise in service contacts raised the odds of attrition by 69% and each rise in inactivity by 61%. Attrition fell from 68.1% in the least-engaged DEI decile to 1.1% in the most-engaged decile. The pattern replicated in the second bank (active members churned at 14.3% versus 26.9%; AUC 0.752 → 0.834). A combined chatbot programme implied 636 avoided attritions per 10,000 customers (95% CI 601–672), and 29% of customers in the two engagement-risk segments accounted for 80% of all attriters. Originality and value. The study contributes a Friction–Disengagement Matrix, a transparent DEI and a Chatbot Retention Priority Map that tell a bank where a chatbot should act alone, where it should work with a relationship manager, and where it should step aside. The evidence is translated into a staged capability roadmap for UAE retail banks.

KEYWORDS

AI chatbots; customer retention; customer engagement; service friction; digital banking; churn analytics; UAE banking

Cite This Article

Sanjib Barman, Praveen Kumar Sharma, Lokesh Kumar, Sandeep Saxena, Kuldeep Singh Gour, Manish Shrivastava, "Service Friction, Digital Disengagement and Customer Attrition in Retail Banking: Evidence from Open Banking Data and a Chatbot-Led Retention Framework for UAE Banks," International Journal of Scientific Research in Engineering and Management, vol. 10, no. 10, pp. 1-20, Oct 2026. https://doi.org/10.55041/IJSREM68468

Full Article/Conclusion

This study asked which customer behaviours a banking chatbot can influence, how much they matter for retention, and how a bank should act on them. In two independent retail banks, behaviour explained far more attrition than demographics. Service friction and inactivity raised the odds of leaving by 69% and 61% per standard deviation and amplified each other; usage frequency, momentum and moderate relationship breadth protected the relationship. The five levers raised explained variance almost six-fold in the primary bank and more than doubled it in the replication bank. A transparent index of the same levers placed 77% of attriters in the least-engaged 30% of customers, and a combined chatbot programme implied about 40% fewer attritions under stated assumptions. All five sub-hypotheses of the programme's retention hypothesis were supported, with breadth showing a ceiling.

References

[1] Huang, Ming-Hui, and Roland T. Rust. "Artificial Intelligence in Service." Journal of Service Research, vol. 21, no. 2, 2018, pp. 155–172. [2] Verhoef, Peter C., et al. "Digital Transformation: A Multidisciplinary Reflection and Research Agenda." Journal of Business Research, vol. 122, 2021, pp. 889–901. [3] Adamopoulou, Eleni, and Lefteris Moussiades. "Chatbots: History, Technology, and Applications." Machine Learning with Applications, vol. 2, 2020, article 100006. [4] Rahman, Mahfuzur, et al. "Adoption of Artificial Intelligence in Banking Services: An Empirical Analysis." International Journal of Emerging Markets, vol. 18, no. 10, 2023, pp. 4270–4300. [5] Qureshi, Omer Aftab, et al. "Chatbots: Can They Satisfy Customers in the Banking Sector?" BUiD Doctoral Research Conference 2023, edited by Khalid Al Marri et al., Lecture Notes in Civil Engineering, vol. 473, Springer, 2024, pp. 360–376. [6] Jenneboer, Liss, et al. "The Impact of Chatbots on Customer Loyalty: A Systematic Literature Review." Journal of Theoretical and Applied Electronic Commerce Research, vol. 17, no. 1, 2022, pp. 212–229. [7] Ascarza, Eva. "Retention Futility: Targeting High-Risk Customers Might Be Ineffective." Journal of Marketing Research, vol. 55, no. 1, 2018, pp. 80–98. [8] Hollebeek, Linda D., et al. "Rise of the Machines? Customer Engagement in Automated Service Interactions." Journal of Service Research, vol. 24, no. 1, 2021, pp. 3–8. [9] Kumar, V., et al. "Understanding the Role of Artificial Intelligence in Personalized Engagement Marketing." California Management Review, vol. 61, no. 4, 2019, pp. 135–155. [10] Eren, Berrin Arzu. "Determinants of Customer Satisfaction in Chatbot Use: Evidence from a Banking Application in Turkey." International Journal of Bank Marketing, vol. 39, no. 2, 2021, pp. 294–311.

Editorial & Review Transparency

Publication Date

10/29/2026

Peer Review Type

Double-Blind Peer Review

Review Rounds: 2

Documents

Review Report (Confidential)
Copyright Form (Office)

Article Metrics & Impact

Article Views

0

Total views since publication

PDF Downloads

8

Total downloads since publication

Geographic Reach

5

Indexing, Archiving & Preservation

Google Scholar
Academia
ResearchGate
Crossref
SSRN
Semantic Scholar
Thomson Reuters
WorldCat
Mendeley
OpenAlex
EBSCO
Zenodo

Digital Preservation: This article is permanently archived on Zenodo and complies with all data preservation standards across major indexing platforms.

Ethics, Compliance & Transparency

Plagiarism Screening

This manuscript has been checked for plagiarism using TurnitinPlagiarismChecker software.

Conflict of Interest

The authors declare no conflict of interest related to this research work.

Funding Information

No funding information available for this research.

Similar & Recommended Articles

Similar Articles by Topic

Related research in the same subject area

Loading similar articles...