CHEN, Yanming. Case Study on Digital Human Technology Empowering Retail Banking to Reduce Costs and Improve Efficiency: The Example of China Merchants Bank’s Digital Human “Xiao Zhao”. Journal of Education, Humanities and Social Sciences, [S. l.], v. 61, p. 319–324, 2026. DOI: 10.54097/aqb84695. Disponível em: https://drpehss.com/index.php/ojs/article/view/49. Acesso em: 2 may. 2026.