Widayanti, Desca, et al. “The Impact of AI-Based Chatbot Customer Service on Customer Loyalty: The Mediating Role of Customer Satisfaction, Customer Engagement, and Perceived Service Efficiency at Bank X”. Dinasti International Journal of Education Management and Social Science, vol. 7, no. 1, Oct. 2025, pp. 831-47, doi:10.38035/dijemss.v7i1.5504.