“…For example, in the case of financial services, one can point out the risks to consumers resulting from the use of digital transactions and artificial intelligence. (Bygrave, 2022;Vieira, 2022) (D. Zhang et al, 2022 Protection of their privacy on the internet, exposure to cyberattacks, and liability issues for crimes committed with the use of artificial software (Bygrave, 2022;Mäihäniemi, 2022;Nizioł, 2021). Consumers have recognized their rights, which will result in a better appreciation of competition policies by consumers without | 197 (Tavuyanago, 2020).…”