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The Impact of Generative AI on Personalized Content Marketing in E-Commerce

Open access
Mohiuddin, Danyal, Tariq, Muhammad Hamza, Tahir, Areej·2025·Inverge Journal of Social Sciences

Abstract

This research investigates the effectiveness of Generative Artificial Intelligence (GenAI) in creating hyper-personalized marketing content compared to traditional rule-based personalization. While GenAI offers unprecedented scale, empirical evidence regarding its impact on consumer behavior and ethical perception remains limited. Using a sequential mixed-methods design, a randomized A/B experiment (N = 1,140) compared GenAI-driven personalization (GPT-4 and DALL-E 3) against traditional rule-based methods in a simulated retail environment. Post-experiment surveys (n = 480) assessed perceived authenticity, privacy concerns, and AI detection accuracy. Qualitative insights were gathered through semi-structured interviews with six marketing managers from three e-commerce brands. GenAI personalization significantly outperformed rule-based methods, increasing click-through rates by 35.2% (24.6% vs. 18.2%; $p = 0.005$) and conversion rates by 38.1% (11.6% vs. 8.4%; p = 0.032). Time-on-site increased by 16.3 seconds (Cohen’s d = 0.49). However, AI disclosure negatively impacted brand authenticity (d = -0.64), trust (d = -0.65), and purchase intention ($d = -0.55$). While 77.5% of consumers desired an opt-out setting for AI personalization, they were unable to reliably distinguish AI from human content (accuracy = 53.3%). Qualitative data highlighted "human-in-the-loop" processes as essential to mitigating hallucination risks. The study contributes the first direct empirical benchmark of GenAI over rule-based personalization in e-commerce. It identifies a "detection-disclosure paradox"—where consumers cannot recognize AI content but remain suspicious when it is disclosed and proposes a Transparent Hybrid Model to balance operational efficiency with ethical protection and brand trust. References Aguirre, E., Mahr, D., Grewal, D., de Ruyter, K., & Wetzels, M. (2015). Unraveling the personalization paradox: The effect of information collection and trust-building strategies on online advertisement effectiveness. Journal of Retailing, 91(1), 34–49. https://doi.org/10.1016/j.jretai.2014.09.005 Ansari, A., & Mela, C. F. (2003). E-customization. Journal of Marketing Research, 40(2), 131–145. https://doi.org/10.1509/jmkr.40.2.131.19224 Asif, M., & Sandhu, M. S. (2023). Social media marketing revolution in Pakistan: A study of its adoption and impact on business performance. Journal of Business Insight and Innovation, 2(2), 67–77. Asif, M., & Shaheen, A. (2022). Creating a high-performance workplace by the determination of importance of job satisfaction, employee engagement, and leadership. Journal of Business Insight and Innovation, 1(2), 9–15. Awad, N. F., & Krishnan, M. S. (2006). The personalization privacy paradox: An empirical evaluation of information transparency and the willingness to be profiled online for personalization. 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Automatic detection of generated text is easiest when humans are fooled. In Proceedings of the 58th Annual Meeting of the Association for Computational Linguistics (pp. 1808–1822). https://doi.org/10.18653/v1/2020.acl-main.164 Jakesch, M., French, M., Ma, X., Hancock, J. T., & Naaman, M. (2019). AI-mediated communication: How the perception that profile text was written by AI affects trustworthiness. In Proceedings of the 2019 CHI Conference on Human Factors in Computing Systems (Paper No. 396, pp. 1–13). https://doi.org/10.1145/3290605.3300626 Jarek, K., & Mazurek, G. (2023). Generative AI in marketing: A new era of content creation. Procedia Computer Science, 225, 1234–1243. https://doi.org/10.1016/j.procs.2023.10.109 Ji, Z., et al. (2023). Survey of hallucination in natural language generation. ACM Computing Surveys, 55(12), Article 248. https://doi.org/10.1145/3571730 Jian, J. Y., Bisantz, A. M., & Drury, C. G. (2000). Foundations for an empirically determined scale of trust in automated systems. International Journal of Cognitive Ergonomics, 4(1), 53–71. https://doi.org/10.1207/S15327566IJCE0401_04 Logg, J. M., Minson, J. A., & Moore, D. A. (2019). Algorithm appreciation: People prefer algorithmic to human judgment. Organizational Behavior and Human Decision Processes, 151, 90–103. https://doi.org/10.1016/j.obhdp.2018.12.005 Longoni, C., & Cian, L. (2022). Artificial intelligence in utilitarian vs. hedonic contexts: The “AI–content gap.” Journal of Marketing, 86(1), 91–108. https://doi.org/10.1177/00222429211030287 Lops, P., de Gemmis, M., & Semeraro, G. (2011). Content-based recommender systems: State of the art and trends. In F. Ricci et al. (Eds.), Recommender systems handbook (pp. 73–105). Springer. https://doi.org/10.1007/978-0-387-85820-3_3 Malhotra, N. K., Kim, S. S., & Agarwal, J. (2004). Internet users’ information privacy concerns (IUIPC): The construct, the scale, and a causal model. Information Systems Research, 15(4), 336–355. https://doi.org/10.1287/isre.1040.0032 Mei, Q., Xie, Y., Yuan, W., & Jackson, M. O. (2024). A Turing test of whether AI chatbots are behaviorally indistinguishable from humans. Proceedings of the National Academy of Sciences, 121(12), e2313924121. https://doi.org/10.1073/pnas.2313924121 Mohiuddin, D., & Farhan, D. N. (2025). Artificial Intelligence in Marketing: Ethical Challenges and Solutions for Consumers and Society. Journal of Business Insight and Innovation, 4(1), 73–87. Mohiuddin, D. (2024a). Algorithmic Hyper-Personalization: The Double-Edged Sword of Predictive Personalization - An Empirical Investigation. Journal of Engineering and Computational Intelligence Review, 2(2), 82-94. Mohiuddin, D. (2024b). Consumer Perceptions and Trust in AI-Generated Advertising: An Experimental Study in the Pakistani Context. Apex Journal of Social Sciences, 3(1), 53-68. Montgomery, A. L., & Smith, M. D. (2009). Prospects for personalization on the internet. Journal of Interactive Marketing, 23(2), 130–137. https://doi.org/10.1016/j.intmar.2009.02.001 Morhart, F., Malär, L., Guèvremont, A., Girardin, F., & Grohmann, B. (2015). Brand authenticity: An integrative framework and measurement scale. Journal of Consumer Psychology, 25(2), 200–218. https://doi.org/10.1016/j.jcps.2014.11.006 Mumtaz, A., Munir, N., Mumtaz, R., Farooq, M., & Asif, M. (2023). Impact of psychological & economic factors on investment decision-making in Pakistan stock exchange. Journal of Positive School Psychology, 7(4), 130–135. Peres, R., Schreier, M., Schweidel, D., & Sorescu, A. (2023). The impact of generative AI on marketing: A framework for research and practice. International Journal of Research in Marketing, 40(4), 789–801. https://doi.org/10.1016/j.ijresmar.2023.03.001 R Core Team. (2023). R: A language and environment for statistical computing (Version 4.3) [Computer software]. R Foundation for Statistical Computing. https://www.R-project.org/ Ricci, F., Rokach, L., & Shapira, B. (2015). Recommender systems: Introduction and challenges. In F. Ricci et al. (Eds.), Recommender systems handbook (2nd ed., pp. 1–34). Springer. https://doi.org/10.1007/978-1-4899-7637-6_1 Smith, B., & Linden, G. (2017). Two decades of recommender systems at Amazon.com. IEEE Internet Computing, 21(3), 12–18. https://doi.org/10.1109/MIC.2017.72 Sundar, S. S., & Marathe, S. S. (2010). Personalization versus customization: The importance of agency, privacy, and power usage. Human Communication Research, 36(3), 298–322. https://doi.org/10.1111/j.1468-2958.2010.01377.x Tam, K. Y., & Ho, S. Y. (2006). Understanding the impact of web personalization on user information processing and decision outcomes. MIS Quarterly, 30(4), 865–890. https://doi.org/10.2307/25148757 Weidinger, L., et al. (2022). Taxonomy of risks posed by language models. In Proceedings of the 2022 ACM Conference on Fairness, Accountability, and Transparency (FAccT ’22) (pp. 214–229). https://doi.org/10.1145/3531146.3533088 Yoo, B., Donthu, N., & Lee, S. (2000). An examination of selected marketing mix elements and brand equity. Journal of the Academy of Marketing Science, 28(2), 195–211. https://doi.org/10.1177/0092070300282002

AI snapshot

Written from the paper’s full text.

TL;DR

This mixed-methods study compares GenAI-driven personalization (GPT-4 and DALL·E 3) with traditional rule-based personalization in a simulated e-commerce setting, finding higher engagement and conversion but significant trust and authenticity costs when AI generation is disclosed. It identifies a “detection-disclosure paradox”: consumers cannot reliably distinguish AI from human content, yet disclosure reduces trust and purchase intention.

Key findings

  • GenAI personalization significantly outperformed rule-based personalization: CTR rose from 18.2% to 24.6% (relative +35.2%, p = 0.005), conversion from 8.4% to 11.6% (relative +38.1%, p = 0.032), and time-on-site increased by 16.3 seconds (Cohen’s d = 0.49). Brand perception was slightly higher for GenAI (M = 5.06 vs. 4.87, d = 0.15).
  • AI disclosure reduced perceived authenticity (M = 3.86 vs. 4.74 without disclosure; d = −0.64), brand trust (4.85 to 3.94; d = −0.65), and purchase intention (4.62 to 3.81; d = −0.55).
  • Consumers reported substantial ethical concerns: 67.9% expressed moderate-to-high privacy concern, 77.5% wanted an opt-out option, 58.8% feared manipulation, and 52.1% reported loss of human touch. Detection accuracy for AI-generated marketing emails was 53.3%, not significantly above chance (p = 0.12).
  • Qualitative interviews with six marketing managers highlighted four themes: performance gains are real but context-dependent; consumer backlash is rare but amplified by disclosure; hallucinations are an active brand-safety risk; and human-in-the-loop review is the dominant operational model.

Methods

  • Sequential mixed-methods design with three phases: Phase 1 randomized A/B experiment in a simulated e-commerce storefront (“UrbanHarbor”) comparing GenAI personalization (GPT-4 text, DALL·E 3 images) against rule-based personalization, final N = 1,140 (570 per condition).
  • Phase 2 post-experiment consumer survey (n = 480) measured perceived authenticity, privacy concerns, manipulation concern, loss of human touch, AI detection accuracy, post-detection trust, and purchase intention.
  • Phase 3 semi-structured interviews with six marketing managers from three e-commerce brands, analyzed via thematic analysis. Quantitative analyses included chi-square tests, independent-samples t-tests, MANOVA, binomial tests, logistic regression, and mediation analysis using PROCESS.

Limitations

  • The paper states the experiment used a simulated e-commerce environment with fake products and no real financial exchange, which may not reflect real-world shopping behavior.
  • The paper states it measured only short-term metrics (CTR, conversion, time-on-site, immediate perceptions), not long-term outcomes such as customer lifetime value, loyalty, repeat purchase, or word-of-mouth.
  • The paper states the sample was U.S.-only, used only GPT-4 and DALL·E 3, and may be affected by novelty effects; the qualitative interview sample of six managers from three brands is not statistically generalizable.

Model-written summary. Check it against the paper before relying on it.

Integrity signals

Registry

Crossref · 10.63544/ijss.v4i1.288

Cites

34 of 35 references verified1 citation errors · 0 not checkable

Statistics

Claims the paper makes

4 of 22 cited sources checked · 2 supported · 0 flagged · accuracy not yet measured

  • Premisecitation

    Individuals tend to mistrust algorithmic predictions and choices even when algorithms perform better than humans.

    “The literature on algorithm aversion, first introduced by Dietvorst et al. (2015), shows that individuals tend to mistrust algorithmic predictions and choices, even in instances where algorithms perform better than humans.”
    Quote in the paperNot a substantial claim1 of 1 sources checked
    • cites Dietvorst et al. (2015) source
  • Findingown data

    Qualitative data highlighted human-in-the-loop processes as essential to mitigating hallucination risks.

    “Qualitative data highlighted “human-in-the-loop” processes as essential to mitigating hallucination risks.”
    Quote in the paperNot a substantial claim
    • Rests on an assumption: The six marketing manager interviews provide practitioner validation and external relevance.
  • Findingown data

    Consumers were unable to reliably distinguish AI from human content (accuracy = 53.3%).

    “they were unable to reliably distinguish AI from human content (accuracy = 53.3%).”
    Quote in the paperSubstantial claim
  • Findingown data

    GenAI personalization increased conversion rates compared with rule-based personalization by 38.1% (11.6% vs. 8.4%; p = 0.032).

    “and conversion rates by 38.1% (11.6% vs. 8.4%; p = 0.032)”
    Quote in the paperSubstantial claim
    • Rests on an assumption: The simulated UrbanHarbor storefront elicits genuine shopping behaviour.
    • Rests on an assumption: GPT-4 and DALL-E 3 outputs are representative of GenAI personalization.
    • Rests on an assumption: The simulated purchase task with a fictitious budget reflects real purchase behaviour.
  • Findingown data

    AI disclosure negatively impacted purchase intention (d = -0.55).

    “and purchase intention (d = -0.55).”
    Quote in the paperSubstantial claim
    • Rests on an assumption: Rule-based personalization does not typically prompt AI disclosure, so it serves as a valid baseline for authenticity.
  • May combine two claims. 41
  • Classified as probably not a substantial claim. 29
  • The quote only partly states this claim. 6
  • May combine two claims.

    Premisecitation

    Consumers may feel that brands using GenAI are cutting corners or replacing people with machines, leading to reduced emotional engagement and brand loyalty.

    “Consumers may feel that brands using GenAI are “cutting corners” or “replacing people with machines,” leading to reduced emotional engagement and brand loyalty (Granulo et al., 2021).”
    Quote in the paperSubstantial claim1 of 1 sources checked
    • cites Granulo et al., 2021 source

      The Abstract (page unavailable) says firms can replace human labor with technology and that consumers prefer human over robotic labor for products with higher symbolic value. The paper does not establish that consumers see brands using GenAI as “cutting corners,” or that such use reduces emotional engagement or brand loyalty; its findings concern production mode and product preference. (LLM, conf=0.87)

      Experimental — accuracy not yet measured
  • Classified as probably not a substantial claim.

    Study design and conductcitation

    The study used G*Power 3.1 power analysis; for an independent-samples t-test with d = 0.30, alpha = 0.05, and power = 0.80, the required sample size was about 176 per condition.

    “G*Power 3.1 was used to perform a power analysis (Faul et al., 2009).In a scenario involving an independent-samples t-test of two means, with a small-to-medium effect size (d = 0.30), alpha = 0.05 and power = 0.80, the necessary sample size is about 176 per condition.”
    Quote in the paperSubstantial claim1 of 1 sources checked
    • cites Faul et al., 2009 source
  • May combine two claims.

    Interpretationcitation

    LLMs produce contextually fluent content that can refer to specific browsing history and adjust tone, leading to greater sense of relevance and less creepiness.

    “Such contextual fluency can lead to a greater sense of relevance and less creepiness of overly specific and mechanically delivered advice (Aguirre et al., 2015).”
    Quote in the paperSubstantial claim1 of 1 sources checked
    • cites Aguirre et al., 2015 source

      The Implications for Theory section (page unavailable) says customers find personalized ads more relevant and useful when they know their data was collected. The paper does not study LLMs, tone adjustment, or mechanically delivered advice; its Psychological Ownership and Vulnerability section instead says highly personalized ads can increase discomfort when data collection is covert. It therefore does not support contextual fluency as a way to reduce creepiness. (LLM, conf=0.88)

      Experimental — accuracy not yet measured
  • May combine two claims. The quote only partly states this claim.

    Findingown data

    When AI generation was disclosed, perceived authenticity dropped to M = 3.86, significantly lower than GenAI no-disclosure (t(238) = 7.31, p < 0.001, Cohen's d = -0.64).

    “Perceived brand authenticity decreases strongly when consumers explicitly receive information that the content is AIgenerated (d = -0.64).”
    Quote in the paperSubstantial claim
  • The quote only partly states this claim.

    Findingown data

    Participants in the GenAI condition spent significantly more time on site (M = 124.6 seconds, SD = 35.1) than rule-based participants (M = 108.3 seconds, SD = 32.7).

    “The mean time on site for GenAI participants was 124.6 seconds (SD = 35.1),compared to 108.3 seconds (SD = 32.7)for rule-based participants.”
    Quote in the paperNot a substantial claim
    • Rests on an assumption: The simulated e-commerce shop (UrbanHarbor) is a valid representation of real e-commerce shopping behavior, so findings generalize to real e-commerce.
    • Rests on an assumption: The AI-generated email from GPT-4 is representative of GenAI personalization content.
  • May combine two claims.

    Findingown data

    Managers consistently reported that negative consumer reactions were infrequent but disproportionately intense and often triggered by disclosing AI use.

    “Managers consistently reported that negative consumer reactions were infrequent, but when they occurred, they were disproportionately intense and often triggered by disclosing AI use.”
    Quote in the paperNot a substantial claim
    • Rests on an assumption: The six interviewed marketing managers and their three brands are representative of e-commerce brands using GenAI, so their reports can be generalized.
  • May combine two claims.

    Findingown data

    The impact of GenAI on brand perception, although statistically significant, was low (d = 0.15).

    “The impact on the brand perception, although statistically significant, was low (d = 0.15).”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Findingown data

    The difference in brand perception was statistically significant (t(1138) = 2.58, p = 0.010) with a small effect size (Cohen's d = 0.15).

    “The difference was statistically significant (t(1138) = 2.58, p = 0.010), though the effect size was small (Cohen's d = 0.15).”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Findingown data

    The mean privacy concern score in the GenAI condition was 4.67 (SD = 1.34), significantly above the scale midpoint of 4 (t(239) = 7.74, p < 0.001, d = 0.50).

    “The mean privacy concern score (M = 4.67, SD = 1.34) was significantly above the scale midpoint (t(239) = 7.74, p < 0.001, d = 0.50), indicating that consumers, on average, agree that they are concerned about privacy in the context of GenAI personalization.”
    Quote in the paperSubstantial claim
  • The quote only partly states this claim.

    Findingown data

    The difference between observed detection accuracy (53.3%) and chance (50%) was not statistically significant (p = 0.12).

    “The difference was not statistically significant (p = 0.12).”
    Quote in the paperSubstantial claim
  • The quote only partly states this claim.

    Findingown data

    Purchase intentions and trust decrease by the same levels as perceived authenticity when AI is disclosed.

    “Purchase intentions and trust decrease by the same levels.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Findingown data

    Participants performed at chance level, failing to reliably identify AI-generated content.

    “Participants performed at chance level, failing to reliably identify AIgenerated content.”
    Quote in the paperSubstantial claim
    • Rests on an assumption: The human-written emails used in the detection task are representative of human-crafted marketing content and comparable to the AI-generated emails except for authorship.
    • Rests on an assumption: The AI-generated email from GPT-4 is representative of GenAI personalization content.
  • May combine two claims.

    Findingown data

    All six managers described a hybrid workflow where AI generates first drafts and humans review, edit, and approve; fully automated zero-touch GenAI personalization was not practiced by any of the brands.

    “All six managers described a hybrid workflow: AI generates first drafts; humans review, edit, and approve.Fully automated, zero-touch GenAI personalization was not practiced by any of the brands.”
    Quote in the paperSubstantial claim
    • Rests on an assumption: The six interviewed marketing managers and their three brands are representative of e-commerce brands using GenAI, so their reports can be generalized.
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Premisecitation

    Merely indicating that a message is AI-generated made the message seem less trustworthy.

    “They discovered that merely indicating that a message is AI-generated made the message seem less trustworthy, with or without the actual use of AI.”
    Quote in the paperNot a substantial claim0 of 1 sources checked
    • cites Jakesch et al. (2019) source
  • May combine two claims.

    Study design and conductreasoning

    Random assignment to conditions, same simulated browsing histories, and controlled experimental environment supported internal validity.

    “Random assignment to conditions, same simulated browsing histories, and controlled experimental environment supported internal validity.”
    Quote in the paperSubstantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductnone given

    The study received ethical approval from concerned experts.

    “This study received ethical approval from concerned experts of the concerned field.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Study design and conductown data

    No significant differences between conditions were observed on any demographic variable (all p > 0.10), confirming successful randomization.

    “No significant differences between conditions were observed on any demographic variable (all p > 0.10), confirming successful randomization.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Premisecitation

    LLMs can generate personalized email subject lines, email body copy, product descriptions, chatbot responses, and brand voice directives.

    “In e-commerce marketing, LLMs have the ability to generate personalized email subject lines, email body copy, product descriptions, chatbot responses, and even brand voice directives (Peres et al., 2023).”
    Quote in the paperNot a substantial claim0 of 1 sources checked
    • cites Peres et al., 2023 source
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductown data

    For the A/B experiment, participants who failed the attention check were excluded prior to analysis (n = 41 excluded, final N = 1,159).

    “For the A/B experiment, any participant who failed the attention check (e.g., selecting the same response for all items) was excluded prior to analysis (n = 41 excluded, final N = 1,159).”
    Quote in the paperNot a substantial claim
  • Classified as probably not a substantial claim.

    Study design and conductown data

    The human-written emails used in the AI detection task were verified as human-written via author correspondence with the brand's marketing team.

    “The other was an actual email of a commercial brand (e.g., Everlane, Uniqlo) that was verified to have been human-written (via author correspondence with the marketing team of the brand).”
    Quote in the paperSubstantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductnone given

    The order of the two emails (left/right) in the detection task was randomized.

    “The order (left/right) was randomized.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Study design and conductreasoning

    External validity was enhanced by recruiting a diverse U.S. sample of real online shoppers and by triangulating with practitioner interviews.

    “External validity was enhanced by recruiting a diverse U.S. sample of real online shoppers and by triangulating with practitioner interviews.”
    Quote in the paperNot a substantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing). May combine two claims.

    Study design and conductnone given

    No personally identifiable information was gathered, participant IDs were anonymized before analysis, and interview recordings were kept on encrypted university servers to be removed after three years.

    “No personally identifiable information (PII) was gathered.Anonymized before analysis, prolific participant IDs were anonymized.Recordings of the interviews were kept in encrypted university servers which will be removed after three years.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Interpretationown data

    The study identifies a detection-disclosure paradox in which consumers cannot recognize AI content but remain suspicious when it is disclosed.

    “It identifies a “detection-disclosure paradox”-where consumers cannot recognize AI content but remain suspicious when it is disclosed”
    Quote in the paperSubstantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductown data

    All participants signed a consent form explaining purpose, procedures, risks, and right to abandon.

    “All participants signed a consent form that was explained to them and signed digitally with the purpose, procedures, risks, and their right to abandon the procedure at any time without being fined.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Premisecitation

    Consumers perceive AI as more competent but less warm compared to humans.

    “Castelo et al. (2019) suggest a single framework: consumers perceive AI as more competent but less warm compared to humans.”
    Quote in the paperSubstantial claim0 of 1 sources checked
    • cites Castelo et al. (2019) source
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductown data

    The manipulation concern scale had Cronbach's alpha = 0.84.

    “Concern in Manipulation (RQ2 exploratory): A 3-item scale designed in this paper.Sample item: I believe that AI-personalized content attempts to influence my buying behaviour.α = 0.84.”
    Quote in the paperNot a substantial claim
  • Classified as probably not a substantial claim.

    Study design and conductreasoning

    The study planned N = 1,200 overall (600 per condition) to account for attrition, attention check failures, and smaller effects.

    “We planned N = 1,200 overall (600 per condition) to consider any possible attrition, attention check failures, and to capture smaller effects.”
    Quote in the paperSubstantial claim
  • Classified as probably not a substantial claim.

    Study design and conductown data

    Participants were randomly assigned to the rule-based control and GenAI treatment conditions via Prolific's randomizer.

    “The rule-based (control) and GenAI (treatment) condition were also randomly assigned to the participants via the randomizer of Prolific.”
    Quote in the paperSubstantial claim
  • Probably not a substantial claim: may not pass S4 (based).

    Premisenone given

    No study has directly compared GenAI and rule-based personalization in a controlled e-commerce setting measuring both performance and perception outcomes.

    “But no study has directly compared the two approaches in a controlled e-commerce setting measuring both performance and perception outcomes.”
    Quote in the paperNot a substantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Premisecitation

    Algorithm aversion is especially acute in subjective, creative, or morally charged areas.

    “Later studies have demonstrated that the issue of algorithm aversion is especially acute in subjective, creative, or morally charged areas (Castelo et al., 2019;Bigman and Gray, 2018).”
    Quote in the paperNot a substantial claim0 of 2 sources checked
    • cites Castelo et al., 2019 source
    • cites Bigman and Gray, 2018 source
  • Probably not a substantial claim: may not pass S4 (based). May combine two claims.

    Premisenone given

    No study has examined detection accuracy for personalized marketing content in an e-commerce context, nor the downstream effects of detection on trust and purchase intentions.

    “No study has examined detection accuracy for personalized marketing content in an e-commerce context, nor the downstream effects of detection on trust and purchase intentions.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Premisecitation

    GenAI models such as LLMs and diffusion models generate new content dynamically based on context, enabling hyper-personalized content at scale.

    “Contrary to rule-based systems, which look up and combine existing material, GenAI models, such as large language models (LLMs) like GPT-4 and image generators like DALL•E 3, generate new content dynamically based on the context.”
    Quote in the paperSubstantial claim0 of 1 sources checked
    • cites Jarek & Mazurek, 2023

      Couldn’t be matched to a paper in Crossref, so it can’t be checked.

  • Probably not a substantial claim: may not pass S3 (load-bearing). May combine two claims.

    Study design and conductnone given

    In debriefing, the simulated e-commerce shop (UrbanHarbor) was revealed as a simulation, and participants were told they would not actually make purchases and browsing history simulation did not collect actual browsing.

    “In the debriefing the simulated e-commerce shop (UrbanHarbor) was revealed as a simulation.The participants were made aware that they would not actually make any purchases and that the browsing history simulation did not entail collection of their actual browsing.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Premisereasoning

    Rule-based personalization systems are template-based and cannot generate original content tailored to individual users.

    “To begin with, they are template-based: the information they provide is assembled but not created.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Premisecitation

    Diffusion models enable personalized banner images, product visualizations, and dynamic ad creatives that change based on user attributes.

    “In e-commerce, diffusion models enable personalized banner images, product visualizations (e.g., a sofa in the user's preferred colour and room setting), and dynamic ad creatives that change based on user attributes (Jarek & Mazurek, 2023).”
    Quote in the paperNot a substantial claim0 of 1 sources checked
    • cites Jarek & Mazurek, 2023

      Couldn’t be matched to a paper in Crossref, so it can’t be checked.

  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductown data

    The privacy concern scale had Cronbach's alpha = 0.87.

    “Privacy Concern (H4): Measured on the scale of 4 items of Internet users information privacy concerns (IUIPC) of Malhotra et al. (2004).Sample item: “I fear that the AI that personalizes this content is aware of too much about my personal information (1 = strongly disagree, 7 = strongly agree).α = 0.87.”
    Quote in the paperNot a substantial claim0 of 1 sources checked
    • cites Malhotra et al. (2004) source
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductown data

    The loss of human touch scale had Cronbach's alpha = 0.81.

    “Loss of Human touch (RQ2 exploratory): A 3-item scale.Sample item: This brand is more of a robot than a person.α = 0.81.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Study design and conductown data

    There were no statistically significant age, gender, income, or past online purchase frequency differences between conditions (all p > 0.10), confirming successful randomization.

    “There were no statistically significant age, gender, income, or past online purchase frequency differences between conditions (all p > 0.10), which confirmed successful randomization.”
    Quote in the paperSubstantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductown data

    The perceived authenticity scale had Cronbach's alpha = 0.89.

    “Perceived Authenticity (H3): This will be measured with a 5-item brand authenticity instrument (Morhart et al., 2015) modified to include the email content instead of brand in general.Sample question: The marketing content that I have just watched was authentic (1 = strongly disagree, 7 = strongly agree).α = 0.89.”
    Quote in the paperNot a substantial claim0 of 1 sources checked
    • cites Morhart et al., 2015 source
  • Probably not a substantial claim: may not pass S3 (load-bearing). May combine two claims.

    Study design and conductown data

    Two authors independently coded two transcripts to establish inter-coder reliability (Cohen's κ = 0.84); discrepancies were resolved through discussion.

    “Two authors independently coded two transcripts to establish inter-coder reliability (Cohen's κ = 0.84); discrepancies were resolved through discussion.”
    Quote in the paperNot a substantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Premisecitation

    State-of-the-art LLMs hallucinate in 3-15% of generated outputs, depending on the domain.

    “Early evidence suggests that even state-of-the-art LLMs hallucinate in 3-15% of generated outputs, depending on the domain (Ji et al., 2023).”
    Quote in the paperNot a substantial claim0 of 1 sources checked
    • cites Ji et al., 2023

      Couldn’t be matched to a paper in Crossref, so it can’t be checked.

  • Probably not a substantial claim: may not pass S4 (based).

    Premisenone given

    Empirical data on consumer perceptions of ethical risks in GenAI personalization are scarce.

    “While scholars have theorized about risks such as privacy concerns, manipulation, and loss of human touch, empirical data on consumer perceptions of these risks in the context of GenAI personalization are scarce.”
    Quote in the paperNot a substantial claim
  • Classified as probably not a substantial claim. May combine two claims.

    Interpretationreasoning

    GenAI is not inherently manipulative but poses new risks by its ability to produce content at scale customized to specific psychological profiles.

    “Although GenAI is not inherently manipulative, it poses new risks by its ability to produce content at scale that is customized to specific psychological profiles.”
    Quote in the paperSubstantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Interpretationreasoning

    GenAI is particularly effective for utilitarian product categories.

    “It is particularly effective for utilitarian product categories, including electronics, office supplies, and household goods, where efficiency and scalability are priorities.”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Interpretationreasoning

    Nondisclosure can be functionally invisible and maintain performance benefits, but denies consumers informed choice and can be against new regulations.

    “Nondisclosure can be functionally invisible and maintain performance benefits, but denies consumers informed choice and can be against new regulations.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Interpretationcitation

    Visual specificity of DALL•E images can align with user aesthetic preferences and augment mental simulation, a recognized stimulus of purchase intention.

    “This visual particularity can augment mental simulation (i.e., visualizing oneself with the product), a recognized stimulus of purchase intention (Elder and Krishna, 2012).”
    Quote in the paperSubstantial claim0 of 1 sources checked
    • cites Elder and Krishna, 2012 source
  • Classified as probably not a substantial claim.

    Study design and conductown data

    The experiment was conducted at only one point in time.

    “The time we conducted our experiment was only at one point.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Interpretationown data

    GenAI content can produce immediate behavioural outcomes (clicks, purchases) but does not significantly alter overall brand perceptions when AI generation is hidden.

    “It indicates that although GenAI content can result in immediate behavioural outcomes (clicks, purchases), it does not significantly alter, either positively or negatively, the overall brand perceptions when hidden.”
    Quote in the paperSubstantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing). May combine two claims.

    Study design and conductown data

    The study used GPT-4 (text) and DALL•E 3 (image).

    “We made GPT-4 (text) and DALL•E 3 (image).”
    Quote in the paperNot a substantial claim
  • May combine two claims.

    Interpretationown data

    Consumers are unable to reliably recognize AI-generated content but do not trust it when revealed.

    “Third, consumers are unable to reliably recognize marketing material generated by AI (accuracy = 53.3,not significantly higher than that of chance) but do not trust it when revealed.”
    Quote in the paperSubstantial claim
  • Classified as probably not a substantial claim. May combine two claims.

    Study design and conductown data

    The study's dependent variables were short-term behavioural (CTR, conversion, time-on-site) and instant perceptions (authenticity, trust).

    “Short-term behavioural (CTR, conversion, time-on-site) and instant perceptions (authenticity, trust) were our dependent variables.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Interpretationown data

    Disclosure honours consumer autonomy but decreases trust and intention to purchase.

    “Disclosure honours consumer autonomy but decreases trust and intention to purchase.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Interpretationown data

    GenAI-generated content is novel and individually created, which may draw attention by being unexpected and exclusive.

    “Conversely, GenAI-generated content is novel in nature.The emails, subject lines, banner images are created individually to that user.The lack of repetition that is templated might draw attention by being unexpected and exclusive.”
    Quote in the paperSubstantial claim
  • May combine two claims. The quote only partly states this claim.

    Interpretationown data

    Disclosing AI generation reduces authenticity, trust, and purchase intention.

    “Disclose AI generation Reduced authenticity, lower trust, lower purchase intention (as shown in our post-detection trust analysis: trust dropped from 4.85 to 3.94, d = -0.65)”
    Quote in the paperSubstantial claim
  • May combine two claims. The quote only partly states this claim.

    Interpretationown data

    The performance advantages of GenAI personalization are at the cost of high consumer perception (lower authenticity, trust, purchase intention when disclosed).

    “Second, though, these performance advantages are at the cost of high consumer perception.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Interpretationown data

    GenAI is more effective than rule-based approaches on behavioural metrics (CTR, conversion), and imposes authenticity penalties on disclosure.

    “The fact that we find GenAI to be more effective than rule-based approaches on behavioural metrics (CTR, conversion), and imposes authenticity penalties on disclosure, offers a fine-grained, empirically-based perspective on the costs and benefits of GenAI adoption.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Interpretationown data

    Consumers are not reliably able to detect AI-generated marketing content, but when informed that content is AI-generated, trust and purchase intentions decrease significantly.

    “We report a paradoxical result: consumers are not reliably able to detect AI-generated marketing content (detection accuracy at chance), but when informed that content is AI-generated, the level of trust and purchase intentions decreases significantly.”
    Quote in the paperSubstantial claim
  • Classified as probably not a substantial claim.

    Study design and conductreasoning

    Respondents who had recently purchased online within the last 30 days were chosen to enhance ecological validity.

    “Mitigation: we also chose respondents who had recently purchased online within the last 30 days to enhance the ecological validity.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Study design and conductown data

    The experiment used an emulated e-commerce storefront (UrbanHarbor), fake products, and no actual financial exchange.

    “In our experiment we have used an emulated ecommerce storefront (UrbanHarbor) and fake products and no actual financial exchange.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Study design and conductown data

    The qualitative sample consists of six managers representing three brands, providing in-depth information but not statistically generalisable.

    “Our qualitative sample, which consists of six managers representing three brands, will provide some in-depth information, but it will not be statistically generalisable.”
    Quote in the paperNot a substantial claim
    • Rests on an assumption: Not all brands share the same experiences, as they may differ in size or product lines.
  • May combine two claims.

    Interpretationreasoning

    Compulsory disclosure can decrease brand performance without consumer protection because consumers cannot identify AI content anyway.

    “Compulsory disclosure (the new policy consensus) can have a negative impact on the brand performance without consumer protection-as consumers cannot identify AI content in any case, disclosure can only decrease trust without allowing them to make an informed choice.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Interpretationown data

    Consumers are not consistently opposed to GenAI personalization but prefer to have control over when and how it is applied.

    “It posits that consumers are not consistently opposed to GenAI personalization but will prefer to have it under control as to when and how it is applied.”
    Quote in the paperSubstantial claim
  • May combine two claims.

    Interpretationreasoning

    Consumers have a background assumption that marketing content is created by humans unless otherwise indicated; authenticity is harmed when that assumption is broken.

    “Second, it implies the possible existence of a background assumption that the consumers might have that marketing content is created by humans unless otherwise indicated.Authenticity is harmed when we break that assumption.”
    Quote in the paperSubstantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductnone given

    Informed consent was obtained from all individual participants included in the study.

    “Informed consent was obtained from all individual participants included in the study.”
    Quote in the paperNot a substantial claim
  • Probably not a substantial claim: may not pass S3 (load-bearing).

    Study design and conductnone given

    All procedures performed in studies involving human participants were in accordance with the ethical standards of the institutional and/or national research committee and with the 1964 Helsinki declaration and its later amendments or comparable ethical standards.

    “All procedures performed in studies involving human participants were in accordance with the ethical standards of the institutional and/or national research committee and with the 1964 Helsinki declaration and its later amendments or comparable ethical standards.”
    Quote in the paperNot a substantial claim
66 of 66
  • The paper relies on this without support.

    The simulated UrbanHarbor storefront elicits genuine shopping behaviour.

    “UrbanHarbor was designed to be generic enough to avoid pre-existing brand attitudes but realistic enough to elicit genuine shopping behaviour.”
  • The paper relies on this without support.

    GPT-4 and DALL-E 3 outputs are representative of GenAI personalization.

    “Email subject line and body copy generated by GPT-4 based on user's simulated browsing history.Banner image generated by DALL•E 3 conditioned on user's inferred preferences (e.g., color, style, setting).”
  • The paper relies on this without support.

    Rule-based personalization does not typically prompt AI disclosure, so it serves as a valid baseline for authenticity.

    “Rule-based personalization does not typically prompt such disclosure, so it serves as a baseline.”
  • The paper relies on this without support.

    The simulated purchase task with a fictitious budget reflects real purchase behaviour.

    “make a simulated purchase (with a fictitious budget of 100 dollars) which they were informed would not be billed.”
  • The paper relies on this without support.

    The six marketing manager interviews provide practitioner validation and external relevance.

    “Phase 3 provides qualitative depth and practitioner validation, ensuring that our findings are not merely internally valid but also externally relevant to real-world e-commerce operations.”
  • The paper relies on this without support.

    The simulated e-commerce shop (UrbanHarbor) is a valid representation of real e-commerce shopping behavior, so findings generalize to real e-commerce.

    “In the debriefing the simulated e-commerce shop (UrbanHarbor) was revealed as a simulation.”
  • The paper relies on this without support.

    The human-written emails used in the detection task are representative of human-crafted marketing content and comparable to the AI-generated emails except for authorship.

    “The other was an actual email of a commercial brand (e.g., Everlane, Uniqlo) that was verified to have been human-written (via author correspondence with the marketing team of the brand).”
  • The paper relies on this without support.

    The six interviewed marketing managers and their three brands are representative of e-commerce brands using GenAI, so their reports can be generalized.

    “we conducted semi-structured interviews with six marketing managers from three e-commerce brands that have deployed GenAI for personalization.”
  • The paper relies on this without support.

    The majority of online shoppers have been exposed to rule-based personalization for over a decade.

    “The majority of online shoppers have been exposed to the practice of customers who purchased X also purchased Y over a decade.”
  • The paper relies on this without support.

    The AI-generated email from GPT-4 is representative of GenAI personalization content.

    “One was created by GPT4 (taken in the treatment condition).”
  • The paper relies on this without support.

    Real-life e-commerce customers are more motivated to buy, more invested, and more distracted than in simulated settings.

    “In real-life e-commerce, customers are more motivated to buy (they already made their choice), more invested (they use real money), and distracted (they have other tabs open, notifications, time-based stress, etc.).”
  • The paper relies on this without support.

    Cultural differences in consumer attitudes towards AI, privacy, and personalization differ greatly.

    “Cultural differences in consumer attitudes towards AI, privacy, and personalization differ greatly.”
  • The paper relies on this without support.

    Various GenAI models can have varying quality outputs, hallucination rates, stylistic preferences, and consumer perceptions.

    “Various models (e.g.Claude, Gemini, Midjourney, Stable Diffusion) can have varying quality outputs, varying rates of hallucination, varying stylistic preferences and varying perceptions by consumers.”
  • The paper relies on this without support.

    Not all brands share the same experiences, as they may differ in size or product lines.

    “It should be mentioned that not all brands will share the same experiences, as they may be different in size or be in different product lines.”
  • The paper relies on this without support.

    GenAI creates new context-sensitive text and images unique to each user, unlike rule-based systems that retrieve and compile existing content.

    “In contrast to conventional systems rooted in rules that retrieve and compile existing content, GenAI creates new context-sensitive text and images that are unique to each user.”
  • The paper relies on this without support.

    This research is the first empirical comparison of GenAI-based and rule-based personalization in an e-commerce setting.

    “This research is the first empirical comparison of GenAI-based and rule-based personalization in an e-commerce setting”
  • The paper relies on this without support.

    GenAI personalization does not have an equal effect on all consumers.

    “GenAI personalization does not have an equal effect on all consumers.”
17 of 17

Statistics recomputed

Every reported test result, recomputed from its test statistic and degrees of freedom. A result shows as not adding up only once an independent check has confirmed it.

  • Consistentχ²(1) = 7.84reported p = .005 · recomputed p = .005

    “χ2(1) = 7.84, p = .005”

  • Consistentχ²(1) = 4.62reported p = .032 · recomputed p = .032

    “χ2(1) = 4.62, p = .032”

  • Consistentt(1138) = 8.27reported p < .001 · recomputed p < .001

    “t(1138) = 8.27, p < .001”

  • Consistentt(1138) = 2.58reported p = .01 · recomputed p = .010

    “t(1138) = 2.58, p = .010”

  • ConsistentF(4, 1135) = 8.94reported p < .001 · recomputed p < .001

    “F(4, 1135) = 8.94, p < .001”

  • Consistentt(239) = 7.74reported p < .001 · recomputed p < .001

    “t(239) = 7.74, p < .001”

  • Consistentt(358) = 1.02reported p = .31 · recomputed p = .308

    “t(358) = 1.02, p = .31”

  • Consistentt(238) = 7.31reported p < .001 · recomputed p < .001

    “t(238) = 7.31, p < .001”

  • Consistentt(118) = 3.41reported p = .001 · recomputed p < .001

    “t(118) = 3.41, p = .001”

9 of 9

Self-check

Percentages, sums and reported differences re-computed from the paper’s own numbers.

Each contradiction between two passages listed here was confirmed by an independent check.

  • Time-on-site sample includes participants who did not click through

    Major

    Time on site is defined as browsing after clicking through, yet its table reports 570 observations in each condition. The click-through results show that only 104 control participants and 140 treatment participants clicked through, so the stated time-on-site sample cannot consist solely of click-through browsers.

  • Authenticity scale is described as both five-point and seven-point

    Minor

    The measures summary calls perceived authenticity a five-point Likert measure, but the instrument description specifies responses from 1 to 7 and the results label the measure 1-7.

2 of 2

Cites

Flagged first, then by citations

8 of the 43 references couldn’t be matched to a known paper.

Research works printed but not linked: 12

  1. Asif, M., & Sandhu, M. S. (2023). Social media marketing revolution in Pakistan: A study of its adoption and impact on business performance. Journal of Business Insight and Innovation, 2(2), 67-77.
  2. Asif, M., & Shaheen, A. (2022). Creating a high-performance workplace by the determination of importance of job satisfaction, employee engagement, and leadership. Journal of Business Insight and Innovation, 1(2), 9-15.
  3. Creswell, J. W., & Plano Clark, V. L. (2017). Designing and conducting mixed methods research (3rd ed.). SAGE Publications.
  4. Davenport, T. H., Guha, A., & Grewal, D. (2023). Generative AI in marketing: Early adopters and emerging use cases. Harvard Business Review, 101(5), 56-65.
  5. European Commission. (2024). Regulation (EU) 2024/1688 of the European Parliament and of the Council laying down harmonised rules on artificial intelligence (Artificial Intelligence Act). Official Journal of the European Union.
  6. Hayes, A. F. (2018). Introduction to mediation, moderation, and conditional process analysis: A regression- based approach (2nd ed.). Guilford Press.
  7. Jarek, K., & Mazurek, G. (2023). Generative AI in marketing: A new era of content creation. Procedia Computer Science, 225, 1234-1243. https://doi.org/10.1016/j.procs.2023.10.109 · DOI
  8. Longoni, C., & Cian, L. (2022). Artificial intelligence in utilitarian vs. hedonic contexts: The "AI-content INVERGE JOURNAL OF SOCIAL SCIENCES https://invergejournals.com/ ISSN (Online): 2959-4359, ISSN (Print): 3007-2018 Volume 4 Issue 1, 2025 gap." Journal of Marketing, 86(1), 91-108. https://doi.org/10.1177/00222429211030287 · DOI
  9. Mohiuddin, D., & Farhan, D. N. (2025). Artificial Intelligence in Marketing: Ethical Challenges and Solutions for Consumers and Society. Journal of Business Insight and Innovation, 4(1), 73-87.
  10. Mohiuddin, D. (2024b). Consumer Perceptions and Trust in AI-Generated Advertising: An Experimental Study in the Pakistani Context. Apex Journal of Social Sciences, 3(1), 53-68.
  11. Mumtaz, A., Munir, N., Mumtaz, R., Farooq, M., & Asif, M. (2023). Impact of psychological & economic factors on investment decision-making in Pakistan stock exchange. Journal of Positive School Psychology, 7(4), 130-135.
  12. Peres, R., Schreier, M., Schweidel, D., & Sorescu, A. (2023). The impact of generative AI on marketing: A framework for research and practice. International Journal of Research in Marketing, 40(4), 789-801. https://doi.org/10.1016/j.ijresmar.2023.03.001 · DOI · Paper page

Authors
Mohiuddin, D., Tariq, M. H., & Tahir, A.
Affiliations
  • University of Northampton (GB)
  • University of Worcester (GB)
  • BPP University (GB)
Venue
Inverge Journal of Social Sciences
Published
2025-03-31
Volume
4
Issue
1
Pages
162-188
ISSN
  • 2959-4359 (ISSN-L)
  • 3007-2018
OpenAlex
W7197009624
Cited by
0
References
43
FWCI
0.00
Type
journal article
Open access
Locations
Inverge Journal of Social Sciences (publishedVersion, cc-by-nc-sa)
Topics
  • Physical Sciences › Computer Science › Artificial Intelligence › AI in Service Interactions
  • Social Sciences › Sociology and Political Science › Digital Marketing and Social Media
  • Social Sciences › Business, Management and Accounting › Marketing › Marketing and Advertising Strategies
Keywords
generative AI, e-commerce personalization, GPT-4, DALL-E 3, click-through rate, conversion rate, AI disclosure, brand authenticity, consumer trust, privacy concerns, human-in-the-loop, hallucinations, ethical AI, consumer behavior, purchase intention

About these checks

Registry, retraction, Cites and statistics results are computed, not judged, with one exception: a printed reference that no index lists is read once by a model before it counts as a citation error. Claims are extracted by a model and kept only when their quote appears verbatim in the text; each cited source is then checked, with a model’s help, for whether it says what the claim relies on. Those verdicts can be wrong — read the claim’s quote and the cited source before relying on one.

Claims read by deepseek-v4.1-flash under definition version 3 (extract-v3) on 2026-10-12.

Classified by jev-1.13-20260917 (gold-guideline-v0.2) on 2026-10-12.

Cited sources are checked by gpt-6-sol.

Statistics and arithmetic are recomputed, not judged.

Confidence bands are shown only for fields calibrated on our annotated test set. None is calibrated yet, so no band is shown.

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