Modelling Human Generative AI Interaction in Higher Education: Evaluation Among Ghanaian Students
DOI:
https://doi.org/10.37497/rev.artif.intell.educ.v7ii.1381Keywords:
Generative AI, human–AI interaction, cognitive offloading, AI literacy, Critical Thinking, PLS-SEM, Ghana, Higher EducationAbstract
Background: Generative artificial intelligence (GenAI) is rapidly transforming higher education, yet the cognitive processes through which it affects learning remain under-theorised.
Objective: This study extends adoption-focused perspectives by developing and empirically testing a Human-AI Interaction Model (HAIM), which positions the quality of cognitive interaction, rather than mere adoption, as the key determinant of educational outcomes. The model draws on Extended Cognition Theory and Self-Regulated Learning Theory and specifies ten hypothesised pathways among seven constructs: AI literacy, trust in AI, cognitive offloading, co-creation behaviour, verification behaviour, learning outcomes, and critical thinking.
Methods: Cross-sectional survey data were collected from 623 university students across five Ghanaian institutions and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with 5,000 bootstrap resamples. The measurement model exhibited good reliability, and convergent and discriminant validity were confirmed.
Results: AI literacy positively predicted co-creation behaviour (β = .479) and negatively predicted cognitive offloading (β = -.199). Uncalibrated trust was positively associated with cognitive offloading (β = .319), which in turn reduced learning outcomes (β = -.216). Co-creation behaviour was the strongest predictor of learning outcomes (β = .531), while verification behaviour was the strongest predictor of critical thinking (β = .540). Mediation analysis confirmed that cognitive offloading and verification behaviour are the primary mechanisms linking trust and literacy to outcomes.
Conclusion: The findings support a cognitively informed account of human-AI interaction and underscore the need for AI literacy interventions that cultivate critical engagement rather than passive dependence, particularly within Global South higher education contexts.
References
Abbas, M., Jam, F. A., & Khan, T. I. (2024). Is it harmful or helpful? Examining the causes and consequences of generative AI usage among university students. International Journal of Educational Technology in Higher Education, 21, Article 10. DOI: https://doi.org/10.1186/s41239-024-00444-7
Adewale, M. D., Azeta, A., Abayomi-Alli, A., & Sambo-Magaji, A. (2024). Empirical investigation of a multilayered framework for predicting academic performance in open and distance learning. Electronics, 13(14), Article 2754. DOI: https://doi.org/10.3390/electronics13142808
Ahangama, N. (2026). Designing assessments in the generative AI era: A tailored assessment framework for ICT tertiary education. International Journal of Educational Technology in Higher Education, 23(1). https://doi.org/10.1186/s41239-026-00582-0 DOI: https://doi.org/10.1186/s41239-026-00582-0
Alshamy, A., Al-Harthi, A. S. A., & Abdullah, S. (2025). Perceptions of Generative AI Tools in Higher Education: Insights from Students and Academics at Sultan Qaboos University. Education Sciences, 15(4), 501. https://doi.org/10.3390/educsci15040501 DOI: https://doi.org/10.3390/educsci15040501
Asghar, M. Z., Duah, K. A., Iqbal, J., & Järvenoja, H. (2025). Evidence from West Africa on the interplay of affective, behavioural, cognitive, and ethical dimensions of AI literacy in Ghanaian and Nigerian Universities. Discover Computing, 28(1). https://doi.org/10.1007/s10791-025-09691-2 DOI: https://doi.org/10.1007/s10791-025-09691-2
Ayanwale, M. A., Adelana, O. P., Bamiro, N., Olatunbosun, S., Idowu, K. O., & Adewale, K. A. (2025). Large language models and GenAI in education: Insights from Nigerian in-service teachers through a hybrid ANN-PLS-SEM approach. F1000Research, 14, 101. DOI: https://doi.org/10.12688/f1000research.161637.1
Chatterjee, S., & Bhattacharjee, K. (2020). Adoption of artificial intelligence in higher education: A quantitative analysis using structural equation modelling. Education and Information Technologies, 25(4), 3443–3463. DOI: https://doi.org/10.1007/s10639-020-10159-7
Chen, K., Tallant, A. C., & Selig, I. (2024). Exploring generative AI literacy in higher education: student adoption, interaction, evaluation and ethical perceptions. Information and Learning Sciences, 126(1/2), 132–148. https://doi.org/10.1108/ils-10-2023-0160 DOI: https://doi.org/10.1108/ILS-10-2023-0160
Chiu, T. K. (2023). Future research recommendations for transforming higher education with generative AI. Computers and Education Artificial Intelligence, 6, 100197. https://doi.org/10.1016/j.caeai.2023.100197 DOI: https://doi.org/10.1016/j.caeai.2023.100197
Chiu, T. K. F., Ahmad, Z., Ismailov, M., & Sanusi, I. T. (2024). What are artificial intelligence literacy and competency? A comprehensive framework to support them. Computers and Education Open, 5, 100154. DOI: https://doi.org/10.1016/j.caeo.2024.100171
Clark, A., & Chalmers, D. (1998). The extended mind. Analysis, 58(1), 7–19. https://doi.org/10.1093/analys/58.1.7 DOI: https://doi.org/10.1093/analys/58.1.7
Crompton, H., Burke, D., & Nickel, C. (2026). Designing faculty standards for technology integration in higher education institutions: a design-based research study. International Journal of Educational Technology in Higher Education, 23(1). https://doi.org/10.1186/s41239-026-00584-y DOI: https://doi.org/10.1186/s41239-026-00584-y
Dong, H., Chen, X., & Shen, J. (2026). Unpacking the impact mechanism of generative AI-based learning analytics technology on student learning engagement. International Journal of Educational Technology in Higher Education, 23(1). https://doi.org/10.1186/s41239-026-00591-z DOI: https://doi.org/10.1186/s41239-026-00591-z
Elycheikh, A., Svetlana, M., & Magda, P. (2024). Critical Integration of Generative AI in Higher Education: Cognitive, Pedagogical and Ethical Perspectives. Global Journal of Human-Social Science, 1–12. https://doi.org/10.34257/ljrhssvol25is13pg1 DOI: https://doi.org/10.34257/LJRHSSVOL25IS13PG1
Essel, H. B., Vlachopoulos, D., Essuman, A. B., & Amankwa, J. O. (2023). ChatGPT effects on cognitive skills of undergraduate students: Receiving instant responses from AI-based conversational large language models (LLMs). Computers and Education Artificial Intelligence, 6, 100198. https://doi.org/10.1016/j.caeai.2023.100198 DOI: https://doi.org/10.1016/j.caeai.2023.100198
Farrelly, T., & Baker, N. (2023). Generative Artificial Intelligence: Implications and considerations for higher education practice. Education Sciences, 13(11), 1109. https://doi.org/10.3390/educsci13111109 DOI: https://doi.org/10.3390/educsci13111109
Farrokhnia, M., Latifi, S., Papadopoulos, P. M., Hogenkamp, L., Gijlers, H., Khosravi, H., & Noroozi, O. (2026).
Generative AI offers more, but students revise less: comparing the effects of teacher and AI feedback on student essay revisions. International Journal of Educational Technology in Higher Education, 23(1). https://doi.org/10.1186/s41239-026-00579-9 DOI: https://doi.org/10.1186/s41239-026-00579-9
Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of Marketing Research, 18(1), 39–50. DOI: https://doi.org/10.1177/002224378101800104
Francis, N. J., Jones, S., & Smith, D. P. (2025). Generative AI in Higher Education: Balancing innovation and integrity. British Journal of Biomedical Science, 81, 14048. https://doi.org/10.3389/bjbs.2024.14048 DOI: https://doi.org/10.3389/bjbs.2024.14048
Gao, Z., Cheah, J., Lim, X., & Luo, X. (2024). Enhancing academic performance of business students using generative AI: An interactive-constructive-active-passive (ICAP) self-determination perspective. The International Journal of Management Education, 22(1), 100896. DOI: https://doi.org/10.1016/j.ijme.2024.100958
Gerlich, M. (2025). AI tools in society: Impacts on cognitive offloading and the future of critical thinking. Societies, 15(1), Article 12. DOI: https://doi.org/10.3390/soc15010006
Goto, J., & Ramnarain, U. (2026). Does culture matter in AI adoption? A predictive analysis of cultural dimensions, social influence, and personal innovativeness in the modified UTAUT model. International Journal of Educational Technology in Higher Education, 23(1). https://doi.org/10.1186/s41239-026-00588-8 DOI: https://doi.org/10.1186/s41239-026-00588-8
Granć, A. (2025). Emerging Drivers of Adoption of Generative AI Technology in Education: A Review. Applied Sciences, 15(13), 6968. https://doi.org/10.3390/app15136968 DOI: https://doi.org/10.3390/app15136968
Grinschgl, S., & Neubauer, A. (2022). Supporting cognition with modern technology: Distributed cognition today and in an AI-enhanced future. Frontiers in Artificial Intelligence, 5, 918321. DOI: https://doi.org/10.3389/frai.2022.908261
Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2021). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. DOI: https://doi.org/10.1108/EBR-11-2018-0203
Haroud, S., & Saqri, N. (2025). Generative AI in Higher Education: Teachers’ and students’ perspectives on support, replacement, and digital literacy. Education Sciences, 15(4), 396. https://doi.org/10.3390/educsci15040396 DOI: https://doi.org/10.3390/educsci15040396
Hazaimeh, M., & Al-Ansi, A. (2024). Model of AI acceptance in higher education: Arguing teaching staff and students' perspectives. The International Journal of Information and Learning Technology, 41(5), 512–530. DOI: https://doi.org/10.1108/IJILT-01-2024-0005
Henseler, J., Ringle, C. M., & Sarstedt, M. (2015). A new criterion for assessing discriminant validity in variance-based structural equation modelling. Journal of the Academy of Marketing Science, 43(1), 115–135. DOI: https://doi.org/10.1007/s11747-014-0403-8
Hong, H., Vate-U-Lan, P., & Viriyavejakul, C. (2025). Cognitive Offload Instruction with Generative AI: A Quasi-Experimental Study on Critical Thinking Gains in English Writing. Forum for Linguistic Studies, 7(7). https://doi.org/10.30564/fls.v7i7.10072 DOI: https://doi.org/10.30564/fls.v7i7.10072
Hu, X., Luo, L., & Fleming, S. M. (2019). A role for metamemory in cognitive offloading. Cognition, 193, 104012. DOI: https://doi.org/10.1016/j.cognition.2019.104012
Iqbal, J., Hashmi, Z. F., Asghar, M. Z., & Abid, M. N. (2025). Generative AI tool use enhances academic achievement in sustainable education through shared metacognition and cognitive offloading among preservice teachers. Scientific Reports, 15(1), 16610. https://doi.org/10.1038/s41598-025-01676-x DOI: https://doi.org/10.1038/s41598-025-01676-x
Kim, J., Lee, S., Detrick, R., Wang, J., & Li, N. (2025). Students' Generative AI interaction patterns and their impact on academic writing. Journal of Computing in Higher Education, 38(1), 504–525. https://doi.org/10.1007/s12528-025-09444-6 DOI: https://doi.org/10.1007/s12528-025-09444-6
Liu, Z., Zuo, H., & Lu, Y. (2025). The impact of ChatGPT on students’ academic achievement: A meta-analysis. Journal of Computer Assisted Learning, 41(4), 987–1006. DOI: https://doi.org/10.1111/jcal.70096
Mahama, I., & Amadu, P. (2025). You are the Driver, and AI is the Mate: Exploring Human-Led Creative and Critical Thinking in AI-Augmented Learning Environments. F1000Research, 14, 974. https://doi.org/10.12688/f1000research.167988.1 DOI: https://doi.org/10.12688/f1000research.167988.1
Mante, D. A., Opoku, O. G., Chineta, O. M., Adamu, A., Parker, D., Xuefu, X., Hui, X., Setsoafia, N. K., Kyeremeh, P., & Opoku, D. (2025). Examining the moderating role of generative AI in advancing teachers’ professional competencies through self-directed learning: evidence from Ghana. Interactive Learning Environments, 1–17. https://doi.org/10.1080/10494820.2025.2556811 DOI: https://doi.org/10.1080/10494820.2025.2556811
Naamati-Schneider, L., & Alt, D. (2024). Beyond digital literacy: The era of AI-powered assistants and evolving user skills. Education and Information Technologies, 29(5), 6123–6147. DOI: https://doi.org/10.1007/s10639-024-12694-z
Ng, D. T. K., Leung, J. K. L., Su, J. K. L., Ng, R., & Chu, S. K. W. (2023). Teachers’ AI digital competencies and twenty-first-century skills in the post-pandemic world. Educational Technology Research and Development, 71(1), 45–66. DOI: https://doi.org/10.1007/s11423-023-10203-6
Ng, D. T. K., Wu, W., Leung, J. K. L., Chiu, T. K. F., & Chu, S. K. W. (2024). Design and validation of the AI literacy questionnaire: The affective, behavioural, cognitive and ethical approach. British Journal of Educational Technology, 55(4), 1082–1104. DOI: https://doi.org/10.1111/bjet.13411
Podsakoff, P. M., MacKenzie, S. B., Lee, J.-Y., & Podsakoff, N. P. (2003). Common method biases in behavioural research: A critical review of the literature and recommended remedies. Journal of Applied Psychology, 88(5), 879–903. DOI: https://doi.org/10.1037/0021-9010.88.5.879
Qian, Y. (2025). Pedagogical Applications of Generative AI in Higher Education: A Systematic Review of the Field. TechTrends, 69(5), 1105–1120. https://doi.org/10.1007/s11528-025-01100-1 DOI: https://doi.org/10.1007/s11528-025-01100-1
Risko, E. F., & Gilbert, S. J. (2016). Cognitive offloading. Trends in Cognitive Sciences, 20(9), 676–688. DOI: https://doi.org/10.1016/j.tics.2016.07.002
Ruiz-Rojas, L. I., Salvador-Ullauri, L., & Acosta-Vargas, P. (2024). Collaborative working and critical Thinking: adoption of generative artificial intelligence tools in higher education. Sustainability, 16(13), 5367. https://doi.org/10.3390/su16135367 DOI: https://doi.org/10.3390/su16135367
Saihi, A., & Ahmed, V. (2026). Uncovering adoption personas for generative AI in higher education: a clustering-based segmentation approach. International Journal of Educational Technology in Higher Education, 23(1). https://doi.org/10.1186/s41239-026-00583-z DOI: https://doi.org/10.1186/s41239-026-00583-z
Salifu, I., Arthur, F., Arkorful, V., Nortey, S. A., & Osei-Yaw, R. S. (2024). Economics students’ behavioural intention and usage of ChatGPT in higher education: A hybrid structural equation modelling-artificial neural network approach. Cogent Social Sciences, 10(1), 2301234. DOI: https://doi.org/10.1080/23311886.2023.2300177
Sergeeva, O. V., Zheltukhina, M. R., Shoustikova, T., Tukhvatullina, L. R., Dobrokhotov, D. A., & Kondrashev, S. V. (2025). Understanding higher education students’ adoption of generative AI technologies: An empirical investigation using UTAUT2. Contemporary Educational Technology, 17(2), ep571. https://doi.org/10.30935/cedtech/16039 DOI: https://doi.org/10.30935/cedtech/16039
Shahzad, M. F., Xu, S., & Zahid, H. (2024). Exploring the impact of generative AI-based technologies on learning performance through self-efficacy, fairness & ethics, creativity, and trust in higher education. Education and Information Technologies, 30(3), 3691–3716. https://doi.org/10.1007/s10639-024-12949-9 DOI: https://doi.org/10.1007/s10639-024-12949-9
Skulmowski, A. (2023). The cognitive architecture of digital externalisation. Educational Psychology Review, 35(3), 1647–1673. DOI: https://doi.org/10.1007/s10648-023-09818-1
Strzelecki, A., & ElArabawy, S. (2024). Investigation of the moderation effect of gender and study level on the acceptance and use of generative AI by higher education students. British Journal of Educational Technology, 55(3), 1209–1230. https://doi.org/10.1111/bjet.13425 DOI: https://doi.org/10.1111/bjet.13425
Tzirides, A. O., Zapata, G., Kastania, N. P., Saini, A. K., Castro, V., Ismael, S. A., You, Y., Santos, T. A. D., Searsmith, D., O’Brien, C., Cope, B., & Kalantzis, M. (2024). Combining human and artificial intelligence for enhanced AI literacy in higher education. Computers and Education Open, 6, 100184. https://doi.org/10.1016/j.caeo.2024.100184 DOI: https://doi.org/10.1016/j.caeo.2024.100184
Wang, S., & Zhang, H. (2026a). Pedagogical partnerships with generative AI in higher education: how dual cognitive pathways paradoxically enable transformative learning. International Journal of Educational Technology in Higher Education, 23(1). https://doi.org/10.1186/s41239-026-00585-x DOI: https://doi.org/10.1186/s41239-026-00585-x
Weis, L., Bele, J. L., & Erčulj, V. (2026). Acceptance and Use of Generative Artificial Intelligence in Higher Education: A UTAUT-Based model integrating trust and privacy. Education Sciences, 16(2), 173. https://doi.org/10.3390/educsci16020173 DOI: https://doi.org/10.3390/educsci16020173
Wiredu, J. K., Abuba, N. S., & Zakaria, H. (2024). Impact of generative AI on academic integrity and learning Outcomes: a case study in the Upper East region. Asian Journal of Research in Computer Science, 17(8), 70–88. https://doi.org/10.9734/ajrcos/2024/v17i7491 DOI: https://doi.org/10.9734/ajrcos/2024/v17i7491
Wu, D., & Zhang, J. (2025). Generative artificial intelligence in secondary education: Applications and effects on students’ innovation skills and digital literacy. PLoS ONE, 20(5), e0323349. https://doi.org/10.1371/journal.pone.0323349 DOI: https://doi.org/10.1371/journal.pone.0323349
Yakubu, M. N., David, N., & Abubakar, N. H. (2025). Students’ behavioural intention to use content generative AI for learning and research: A UTAUT theoretical perspective. Education and Information Technologies, 30(13), 17969–17994. https://doi.org/10.1007/s10639-025-13441-8 DOI: https://doi.org/10.1007/s10639-025-13441-8
Yilmaz, M., Temur, H. B., Emmungil, L., Çelik, E., Gauthier, A., & Cukurova, M. (2026). Supporting self-regulated learning through generative AI feedback in online higher education: the importance of student perceptions of the source of feedback. International Journal of Educational Technology in Higher Education, 23, 16. https://doi.org/10.1186/s41239-026-00592-y DOI: https://doi.org/10.1186/s41239-026-00592-y
Zaim, M., Arsyad, S., Waluyo, B., Ardi, H., Hafizh, M. A., Zakiyah, M., Syafitri, W., Nusi, A., & Hardiah, M. (2025). Generative AI as a cognitive Co-Pilot in English language learning in higher education. Education Sciences, 15(6), 686. https://doi.org/10.3390/educsci15060686 DOI: https://doi.org/10.3390/educsci15060686
Zhao, Z., An, Q., & Liu, J. (2025). Exploring AI tool adoption in higher education: evidence from a PLS-SEM model integrating multimodal literacy, self-efficacy, and university support. Frontiers in Psychology, 16, 1619391. https://doi.org/10.3389/fpsyg.2025.1619391 DOI: https://doi.org/10.3389/fpsyg.2025.1619391
Zimmerman, B. J. (2002). Becoming a self-regulated learner: An overview. Theory Into Practice, 41(2), 64–70 DOI: https://doi.org/10.1207/s15430421tip4102_2