AI in Service Interactions Peer reviewed

Do Not Think Ahead of Me: High‐Personalization Chatbots Can Backfire During the Goal Formation Stage

Xingyu Chen, Minxue Huang, Xiaodong Xie

Psychology and Marketing | Jun 15, 2026

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It is vital for firms to carefully adopt high‐personalization chatbots and consider the specific decision stages in chatbot deployment, particularly the goal formation stage, as this research demonstrates that high‐personalization chatbots may backfire in the goal formation stage.

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ABSTRACT With the development of artificial intelligence (AI), firms are eager to harness the power of AI for customer service by deploying high‐personalization chatbots to actively capture real‐time consumer behaviors and provide personalized services across the decision stages. Prior research has highlighted the benefits of chatbot personalization and regards it as a firm's competitive advantage. However, consumers do not seem to favor high‐personalization chatbots throughout different decision stages. Across five studies, this research demonstrates that high‐personalization chatbots may backfire in the goal formation stage. However, this is not the case for consumers in the goal fulfillment stage. The authors reveal the underlying mechanism, namely reduced decision autonomy driving this adverse effect, and demonstrate the moderating effect of whether consumers have interdependent selves (vs. independent selves). These findings suggest that it is vital for firms to carefully adopt high‐personalization chatbots and consider the specific decision stages in chatbot deployment, particularly the goal formation stage.

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Authors

Researchers on this paper

Xingyu Chen

first | Wuhan University of Technology | ORCID 0000-0001-9843-4242

Minxue Huang

middle | Wuhan University | ORCID 0000-0002-7751-2077

Xiaodong Xie

last | Wuhan University | ORCID 0009-0002-8324-2787

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Citation

BibTeX

@article{Chen2026Think,
  title = {Do Not Think Ahead of Me: High‐Personalization Chatbots Can Backfire During the Goal Formation Stage},
  author = {Xingyu Chen and Minxue Huang and Xiaodong Xie},
  journal = {Psychology and Marketing},
  year = {2026},
  doi = {10.1002/mar.70189},
  url = {https://doi.org/10.1002/mar.70189}
}

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