Gautham Paspala. Conversational AI Agents for Financial Operations with Escalation-Aware Handoff Protocols: Designing Intelligent Human-AI Collaboration Systems. Int J Intell Syst Appl Eng [Internet]. 2026 Apr. 15 [cited 2026 Apr. 17];14(1s):444-55. Available from: https://mail.ijisae.org/index.php/IJISAE/article/view/8190