Abstract
Artificial intelligence (AI) has evolved from a specific computational resource into an ever-expanding mental companion that influences human memory functions, learning processes, reasoning abilities, and decision-making methods. AI system implementation for daily operations and business activities has reached a level that requires scientists to analyse how this technology will influence human thinking abilities in future periods. The paper presents the Human–AI Cognitive Co-Adaptation Framework (HACCAF), which describes how human mental abilities and artificial intelligence systems develop through multiple interactions. The framework integrates cognitive offloading theory, cognitive demand theory, neuroplasticity theory, Human–AI symbiosis, and extended mind theory, drawing on research from cognitive psychology, neuroscience, and human–AI interaction studies. The analysis presents the Augmentation–Dependency Paradox, which demonstrates that AI technology produces opposite effects on human cognitive abilities because it intensifies mental functions while it makes people more dependent on technology. Using AI as a cognitive partner enables students to reflect, learn, and solve problems, leading to better cognitive flexibility, improved decision quality, and enhanced neuroplastic adaptation. The use of AI for memory functions and reasoning processes and judgment decisions at high levels would create mental dependence which would damage critical thinking abilities and decrease people's ability to monitor their own thinking processes. The framework presents nine theoretical propositions that exist within three separate domains: cognitive offloading, cognitive adaptation, and cognitive dependency. The study reveals essential factors that determine system boundaries, as well as elements that affect system performance, including AI literacy, user engagement, trust in AI, task complexity, and frequency of use. The paper presents cognitive co-adaptation as a continuous two-way process which establishes a common theoretical base between neuroscience and human–AI interaction research. The research study contributes to the emerging field of cognitive AI and workplace psychology by providing actionable knowledge that assists educators, organisations, technology designers, and policymakers in utilising AI for cognitive enhancement while avoiding dependence.
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