Takawira, Desmond. “Chatbots from Automation to Autonomous: The Role of AI-Powered Chatbots in Driving the FinTech Next Wave of Digital Transformation”. Global journal of Business and Integral Security 8, no. 2 (January 13, 2026). Accessed January 18, 2026. http://gbis.ch/index.php/gbis/article/view/943.