References
- Acemoglu, D., & Restrepo, P. (2020). Unpacking skill bias: Automation and new tasks. AEA Papers and Proceedings, 110, 356–361. https://doi.org/10.1257/pandp.20201063
- Andersen, H. (2020). The cost efficiency improvement of Norwegian banks can be explained by automation and digitalisation. Staff Memo, No. 9/2020, Norges Bank, Oslo. https://hdl.handle.net/11250/2690371
- Arntz, M., Blesse, S., & Dörrenberg, P. (2022). The end of work is near, isn’t it? Survey Evidence on Automation Angst. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.4247981
- Autor, D. H., Levy, F., & Murnane, R. J. (2003). The skill content of recent technological change: An empirical exploration. The Quarterly Journal of Economics, 118(4), 1279–1333. https://doi.org/10.1162/003355303322552801
- Aziz, L. A.-R., & Andriansyah, Y. (2023). The role of Artificial Intelligence in modern banking: An exploration of AI-driven approaches for enhanced fraud prevention, risk management, and regulatory compliance. Review of Conceptual Business Analytics, 6(1), 110–132.
- Bessen, J. (2015). Learning by doing: The real connection between innovation, wages, and wealth. Yale University Press.
- Brynjolfsson, E., & McAfee, A. (2011). Race against the machine: How the digital revolution is accelerating innovation, driving productivity, and irreversibly transforming employment and the economy. Digital Frontier Press.
- Dekker, F., Salomons, A., & van der Waal, J. (2017). Fear of robots at work: The role of economic self-interest. Socio-Economic Review, 15(3), 539–562. https://doi.org/10.1093/SER/MWX005
- Demir, E., & Danisman, G. O. (2021). Banking sector reactions to COVID-19: The role of bank-specific factors and government policy responses. Research in International Business and Finance, 58, 101508. https://doi.org/10.1016/j.ribaf.2021.101508
- Dengler, K., & Gundert, S. (2021). Digital transformation and subjective job insecurity in Germany. European Sociological Review, 1–19. https://doi.org/10.1093/esr/jcaa066
- Digalaki, E. (2022). The impact of artificial intelligence in the banking sector & how AI is being used in 2022. Business Insider. https://www.businessinsider.com/ai-in-banking-report
- Dodel, M., & Mesch, G. S. (2020). Perceptions about the impact of automation in the workplace. Information, Communication & Society, 23(5), 665–680. https://doi.org/10.1080/1369118X.2020.1716043
- Druszcz P. (2017). Digitalizacja produktów bankowych jako cel strategiczny uczestników polskiego sektora bankowego. Ruch Prawniczy, Ekonomiczny i Socjologiczny, 79 (1), 237–250. https://doi.org/10.14746/rpeis.2017.79.1.17
- Egan, M. (2016, April 4). 30% of bank jobs under threat from robots. CNNMoney. https://money.cnn.com/2016/04/04/investing/bank-jobs-dying-automation-citigroup/index.html
- Engel, C., Ebel, P., & Leimeister, J. M. (2022). Cognitive automation. Electronic Markets, 32(1), 339–350. https://doi.org/10.1007/s12525-021-00519-7
- Fares, O. H., Butt, I., & Lee, S. H. M. (2023). Utilization of artificial intelligence in the banking sector: A systematic literature review. Journal of Financial Services Marketing, 28(4), 835–852. https://doi.org/10.1057/s41264-022-00176-7
- Felten, E., Raj, M., & Seamans, R. (2021). Occupational, industry, and geographic exposure to artificial intelligence: A novel dataset and its potential uses. Strategic Management Journal, 42(12), 2195–2217. https://doi.org/10.1002/smj.3286
- Ford, M. (2016). Rise of the robots: Technology and the threat of a jobless future (First paperback edition). Basic Books.
- Frey, C. B., & Osborne, M. A. (2017). The future of employment: How susceptible are jobs to computerisation? Technological Forecasting and Social Change, 114, 254–280. https://doi.org/10.1016/j.techfore.2016.08.019
- Goos, M., Manning, A., & Salomons, A. (2014). Explaining job polarization: Routine-biased technological change and offshoring. American Economic Review, 104(8), 2509–2526. https://doi.org/10.1257/aer.104.8.2509
- Hamdan, A., Harraf, A., Arora, P., Alareeni, B., & Khamis Hamdan, R. (Eds.). (2022). Future of Organizations and Work After the 4th Industrial Revolution: The Role of Artificial Intelligence, Big Data, Automation, and Robotics (Vol. 1037). Springer International Publishing. https://doi.org/10.1007/978-3-030-99000-8
- Innocenti, S., & Golin, M. (2022). Human capital investment and perceived automation risks: Evidence from 16 countries. Journal of Economic Behavior and Organization, 195, 27–41. https://doi.org/10.1016/J.JEBO.2021.12.027
- Ivanov, S., Kuyumdzhiev, M., & Webster, C. (2020). Automation fears: Drivers and solutions. Technology in Society, 63. https://doi.org/10.1016/j.techsoc.2020.101431
- King, B. (2019). Bank 4.0: Banking everywhere, never at a bank. Wiley.
- KNF. (2024, January 12). KNF. https://www.knf.gov.pl/
- Königstorfer, F., & Thalmann, S. (2020). Applications of Artificial Intelligence in commercial banks: A research agenda for behavioral finance. Journal of Behavioral and Experimental Finance, 27, 100352. https://doi.org/10.1016/j.jbef.2020.100352
- Lazo, M. P., & Ebardo, R. A. (2023). Artificial Intelligence adoption in the banking industry: Current state and future prospects. JIM: Journal of Innovation Management, 11(3), 54–74.
- Meetghany. (2024, January 12). Banking on change: Citigroup’s plan to Axe 20,000 US employees in major downsize move. Medium. https://medium.com/@meetghany/banking-on-change-citigroups-plan-to-axe-20-000-us-employees-in-major-downsize-move-2ac7acc17a91
- Mulas-Granados, C., Varghese, R., Boranova, V., DeChalendar, A., & Wallenstein, J. (2019). Automation, skills and the future of work. IMF Working Papers, 19(288). https://doi.org/10.5089/9781513519906.001
- Nedelkoska, L., & Quintini, G. (2018). Automation, skills use and training (OECD Social, Employment and Migration Working Papers 202; OECD Social, Employment and Migration Working Papers, Vol. 202). https://doi.org/10.1787/2e2f4eea-en
- Nicoletti, B. (2021). Banking 5.0: How fintech will change traditional banks in the “new normal” post pandemic. Palgrave Macmillan. https://doi.org/10.1007/978-3-030-75871-4
- Rifkin, J. (1996). The end of work: The decline of the global labor force and the dawn of the post-market era (1. trade paperback ed). Putnam.
- Rodriguez-Bustelo, C., Batista-Foguet, J. M., & Serlavós, R. (2020). Debating the future of work: The perception and reaction of the Spanish workforce to digitization and automation technologies. Frontiers in Psychology, 11, 1965. https://doi.org/10.3389/fpsyg.2020.01965
- Rybacka, J. (2023). Wpływ pandemii COVID-19 na sposób korzystania z usług bankowych oraz na postrzeganie banków w Polsce – na podstawie badania empirycznego. Finanse i Prawo Finansowe, 2(38), 91–109. https://doi.org/10.18778/2391-6478.2.38.05
- Shabir, M., Jiang, P., Wang, W., & Işik, Ö. (2023). COVID-19 pandemic impact on banking sector: A cross-country analysis. Journal of Multinational Financial Management, 67, 100784. https://doi.org/10.1016/j.mulfin.2023.100784
- Smeets, M., Erhard, R. U., & Kaußler, T. (2021). Robotic Process Automation (RPA) in the financial sector: Technology - implementation - success for decision makers and users. Springer. https://doi.org/10.1007/978-3-658-32974-7
- Straka, J. W. (2000). A shift in the mortgage landscape: The 1990s move to automated credit evaluations. Journal of Housing Research, 11(2), 207–232. JSTOR. http://www.jstor.org/stable/24833780
- Stulz, R. (2019). FinTech, BigTech, and the Future of Banks (w26312; p. w26312). National Bureau of Economic Research. https://doi.org/10.3386/w26312
- Susskind, D. (2020). A world without work: Technology, automation, and how we should respond (First edition). Metropolitan Books/Henry Holt & Company.
- Truby, J., Brown, R., & Dahdal, A. (2020). Banking on AI: mandating a proactive approach to AI regulation in the financial sector. Law and Financial Markets Review, 14(2), 110–120. https://doi.org/10.1080/17521440.2020.1760454
- Villar, A. S., & Khan, N. (2021). Robotic process automation in banking industry: A case study on Deutsche Bank. Journal of Banking and Financial Technology, 5(1), 71–86. https://doi.org/10.1007/s42786-021-00030-9