When do customers choose AI over human staff? What a Journal of Marketing study found
Picture walking into a bank where every teller is White and you are not. For a lot of people in that spot, the robot teller in the corner suddenly looks like the easier option.
Facing all-White staff, 50% of non-White customers chose a digital kiosk, against 36% with non-White staff. What it means for service design and AI options.
For some customers, the robot feels like the safer choice. Photo: Alex Knight on Unsplash.
The short answer
When they expect to be judged for who they are. In ten US studies, Black and other non-White customers leaned towards a machine instead of a person whenever the people around them were all White. At one bank, half of non-White men picked the kiosk when the staff were all White, against just over a third when the staff were non-White too. White customers didn't budge either way. Signs that a business values diversity took most of the effect away.
Key takeaways
With real paid work on offer, students at historically Black colleges picked an AI interviewer 49% of the time when the pictured panel was all White, against 35% when it was Black.
On Facebook, a financial advice ad fronted by a chatbot got twice the clicks of one fronted by White male advisers (0.63% against 0.30%) in mostly Black neighbourhoods.
An all-White investment team pushed choice of the AI adviser from 9% to 26%, unless the firm also showed a diversity statement.
73% of non-White consumers surveyed had worried about being judged on their identity when buying services; 72% of managers had no idea.
What the researchers did
Ask people whether they'd rather be served by a person or a machine and most pick the person. Yeseul Kim
(University of Bath), Dipayan Biswas (University of South Florida), Courtney Szocs (Penn State) and Khalia
Jenkins (American University) wanted to know who the exceptions are, and when.
Their starting point is uncomfortable but well documented: in US banks, shops and rental offices, Black customers
often wait longer, get less warmth and face more suspicion. Being the only non-White person in the room can bring
all of that to mind. The question was whether, in that moment, a machine starts to look safer than a person.
The team ran ten studies. Two were real job adverts with paid work at the end, one was a Facebook ad campaign,
and the rest were online experiments set in banks, rental offices and an investment firm. Every time, people
chose between a human and an algorithm: an AI interviewer, a robot teller or a digital kiosk.
Studies
Ten US studies with nearly 4,000 participants, plus a Facebook ad campaign
Settings
Banking, apartment leasing, investment advice and job interviews
Choice
A human employee or an AI interviewer, robot teller or digital kiosk
Surveys
97 non-White consumers and 201 managers on concerns about being judged in service settings
Identity, not technology, drives the switch
The first job advert, posted at historically Black colleges, set the pattern. A second run, shared through Black
community networks, showed an even steeper jump: from 15% to 37% choosing the AI interviewer. Online, Black participants looking at a bank full of
White customers chose the robot teller 38% of the time; in a mixed crowd, 22%.
What tipped the balance was a specific worry. When non-White participants were told they felt out of place at a
bank, their concern that staff would size them up by race rose from 2.57 to 3.79 on a 7-point scale, and that
concern explained the move towards the robot.
It isn't just people wanting staff who look like them. White men in the bank study said they felt less similar to
non-White employees, yet they went to the kiosk no more often (38.8% against 37.5%). Feeling different only
mattered for people who had reason to expect unfair treatment.
Share choosing a digital kiosk over a human bank teller
Share choosing a digital kiosk over a human bank teller
Group
Value (%)
Non-White men, all-White staff
50.0
Non-White men, non-White staff
36.1
White men, all-White staff
38.8
White men, non-White staff
37.5
Study 3a: 805 US men shown a bank whose staff were all White or all non-White.
The same pattern in real ads
The Facebook ads ran for one day at a time in mostly Black and mostly White US neighbourhoods. Where most
residents were Black, a diverse advice team did almost as well as the chatbot. Where most were White, the ranking
flipped: the all-White team drew the most clicks and the chatbot fell behind. One image, two very different
audiences.
Click-through rate on a financial advice ad, by who the ad featured
Click-through rate on a financial advice ad, by who the ad featured
Group
Value (%)
Black areas: chatbot
0.63
Black areas: diverse team
0.58
Black areas: White male team
0.3
White areas: chatbot
0.45
White areas: diverse team
0.44
White areas: White male team
0.73
Study 3c: one-day Facebook campaigns in mostly Black and mostly White US neighbourhoods.
Signals of inclusion change the picture
The pull towards machines weakened wherever judgment felt less likely. Applying to lease a flat, people who had
just recalled a time they stood out as a minority chose an AI interviewer 52% of the time, against 36% in the
control group. Applying to a social club for people with mixed interests, that same reminder made no real
difference.
Telling people the bank was minority-owned did something similar. The jump towards the robot teller shrank to
eight points (24% to 32%), against twenty-two (30% to 52%) without that line. And at the investment firm, a
short diversity statement was enough to cancel out the effect of an all-White team.
Beyond the bank branch
The authors studied race and ethnicity in the US, and they suggest that other groups who expect to be judged,
by sexual orientation or by wealth for example, may react the same way. Going a step further than the paper, the
same logic could hold at a GP's front desk, an insurance claims line, a debt advice service, a car dealership or
a luxury boutique: anywhere a customer might feel assessed as a type rather than helped as a person.
It also changes how to read your channel data. If one group of customers sticks to the app, the kiosk or the
chatbot, convenience may not be the whole story. They may be telling you something about the counter.
Marketing in 3 steps
Ready. Set. Market.
1
ReadyDecide and prepare
Ask before you assume. Most managers in the survey had no idea this worry existed. Talk to customers from different backgrounds about how your service feels, not just how quickly it works.
See the front line as a newcomer would. Walk through the branch, the website team page, the ad creative and the interview panel. Note who is visible at each point a customer decides whether to come in.
2
SetBuild it
Offer a judgment-free route. Let people complete sensitive tasks, such as loan applications, rental applications and first interviews, through a kiosk, an app or an AI assistant if they prefer.
Make inclusion visible. A diversity statement or a clear signal of ownership changed behaviour in these studies. Place it on the door, the landing page and the booking screen, where the choice is made.
3
MarketLaunch and measure
Check the machine for bias too. Customers may see AI as neutral, but scoring tools and chatbots can treat groups unequally. Test outcomes by group before you offer AI as the fair alternative.
Track uptake by customer group. Report kiosk, app and chatbot use by segment and by location. A sudden skew is a cue to look at training and staffing, not only at the technology.
What to expect
Most people still want a person. Even in the strongest conditions, about half of the customers stayed with the human option.
Shifts of roughly 10 to 20 points. That was the usual size of the swing towards the machine when customers felt they stood out.
The payoff is in high-stakes services. Banking, renting and hiring showed the effect; a relaxed social setting did not.
Cheap to try. An extra channel and a visible statement cost far less than restructuring a team, and both are easy to A/B test.
Where it does not work
US, race and ethnicity only. Other identities and countries were not tested.
Mostly hypothetical choices. Only the job adverts and the Facebook campaign recorded what people actually did.
Perceived fairness, not actual fairness. The study didn't check whether the AI options treated people more equally.
Some results were marginal. A few comparisons only just reached significance, and click-through rates on the ads were very low.
Questions marketers ask
Do minority customers prefer AI customer service?
Generally no, but the gap narrows when the staff are all White. In one online bank study, the robot teller's share rose from about one in five to nearly two in five once the other customers in the branch were all White (Kim et al., 2026, Journal of Marketing).
Why would someone pick a robot over a person?
To avoid being stereotyped. Feeling out of place raised worries that staff would judge them by race, and those worries, not a liking for technology, explained the switch.
Isn't this just people preferring staff who look like them?
No. White men noticed the difference just as clearly, yet stuck with the human teller, so the effect depends on expecting unfair treatment, not on difference alone.
Is AI actually fairer than human staff?
Not necessarily. The authors cite cases where lending chatbots rated Black borrowers as riskier. Customers may still see AI as less judgmental, which is a perception to respect, not a guarantee.
What can a business do without changing its staff?
Offer a self-service or AI route for sensitive tasks and show clear signs of inclusion, such as a diversity statement. Both reduced the pull towards machines in the studies.
Four experiments show that advertising AI as "better than humans" can backfire by stirring fears about AI threatening humanity, especially among people already anxious about AI. A short reassuring message alongside the claim softened the reaction. Bragging rights for your AI come with a cost, so add the reassurance.
Journal of the Academy of Marketing Science · 2026
Across eight studies, buyers and sellers preferred luxury goods authenticated by human experts over AI, because they felt human experts see the item the way they do. The preference weakened when the purchase was less about social status, the product was not positioned as luxury, or the branding was discreet. Status shoppers want a human eye on the goods, even when the machine may be just as good.
Source
Kim, Y., Biswas, D., Szocs, C., & Jenkins, K. (2026). Human or AI? Identity salience enhances historically marginalized (but not privileged) consumers' choice of algorithmic service providers. Journal of Marketing. https://doi.org/10.1177/00222429261444284
This brief is written for practitioners from the published article. Numbers are as reported by the authors; read the article for full methods.
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Bruno Schivinski is Associate Professor of Marketing at Gdańsk University of Technology. He studies how consumers engage with brands in digital and social media.