UNDERSTANDING STUDENT ADOPTION OF GENERATIVE AI CHATBOTS IN HIGHER EDUCATION: AN INTEGRATED TAM–TRI APPROACH. - Nassanbekova, Samalgul; Yeshenkulova, Gaukhar; Nurguzhina, Assel; Ibrahim, Mohamed; Ibadildin, Nurkhat (Economics: Innovative & Economic Research Journal / Casopis za Ekonomsku Teoriju i Analizu, 2026)