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This study examines how demographic factors influence equitable learning experiences with an AI-driven tool in massive open online courses (MOOCs). While chatbot use in online learning is growing, little is known about how socioeconomic and geo-cultural factors shape student perceptions and use. Using statistical and qualitative analyses, we found that age and gender had no significant impact, but regional differences affected students’ learning experiences with a chatbot. Self-regulation predicted all learning domains, though behavioral intention did not translate to actual use. Students from lower-income regions generally reported positive experiences, while students from higher-income regions expected more sophisticated interactions and expertise. Guided by the Community of Inquiry framework and Expectation Confirmation Model, this study highlights the need for adaptive chatbot design.