Explainability, Safety Cues, and Trust in GenAI Advisors: A SEM–ANN Hybrid Study

“GenAI” assistants are gradually being integrated into daily tasks and learning, but their uptake is no less contingent on perceptions of credibility or safety than on their capabilities per se. The current study hypothesizes and tests its proposed two-road construct consisting of two interface-level constructs, namely perceived transparency (PT) and perceived safety/guardrails (PSG), influencing “behavioral intention” (BI) both directly and indirectly, via the two socio-cognitive mediators trust in automation (TR) and psychological reactance (RE). Furthermore, we also provide formulations for the evaluative lenses, namely perceived usefulness (PU) and “perceived risk” (PR). Employing survey data with a sample of 365 responses and partial least squares structural equation modeling (PLS-SEM) with bootstrap techniques in SMART-PLS 4, we discovered that PT is the most influential factor in BI, supported by TR, with some contributions from PSG/PU, but none from PR/RE. Mediation testing revealed significant partial mediations, with PT only exhibiting indirect-only mediated relationships via TR, while the other variables are nonsignificant via reactance-driven paths. To uncover non-linearity and non-compensation, a Stage 2 multilayer perceptron was implemented, confirming the SEM ranking, complimented by an importance of variables and sensitivity analysis. In practical terms, the study’s findings support the primacy of explanatory clarity and the importance of clear rules that are rigorously obligatory, with usefulness subordinated to credibility once the latter is achieved. The integration of SEM and ANN improves explanation and prediction, providing valuable insights for policy, managerial, or educational decision-makers about the implementation of GenAI.