JAYAKUMAR, V. N. A Study on the Motivations and Challenges in the Adoption of Virtual Agents in the Services Sector. Digital Repository of Theses - SSBM Geneva, [S. l.], 2024. Disponível em: https://repository.e-ssbm.com/index.php/rps/article/view/442. Acesso em: 9 oct. 2025.