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Exploring AI's Impact on Fintech and Financial Inclusion: Challenges and Opportunities
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Author(s): K. Shriya (SRM Institute of Science and Technology, India)and T. Velmurugan (SRM Institute of Science and Technology, India)
Copyright: 2025
Pages: 20
Source title:
Algorithmic Training, Future Markets, and Big Data for Finance Digitalization
Source Author(s)/Editor(s): Hamad Raza (Lyallpur Business School, Government College University, Faisalabad, Pakistan
), Ahsan Riaz (Lyallpur Business School, Government College University, Faisalabad, Pakistan
), Nimra Riaz (Department of Management Science, Riphah International University, Faisalabad, Pakistan
)and Suresh Ramakrishnan (Faculty of Management, Universiti Teknologi Malaysia, Malaysia)
DOI: 10.4018/979-8-3693-6386-7.ch006
Purchase
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Abstract
This paper investigates how fintech and AI are interacting, especially in terms of improving financial inclusion. Examining elements such as effort expectancy, performance expectancy, social influence, digital literacy, digital transformation sentiment analysis, behavioral intention, and perceived risk, it explores the intricate relationship between AI, Fintech, and inclusivity. We examine the impact of these factors on adoption intentions and perceived risk using a combination of approaches, including surveys and interviews. The study employs statistical techniques such as sentiment analysis algorithms and regression analysis on a broad sample size of 212 people. The results highlight the importance of elements like social influence and effort expectation, underscoring the need for customized interventions to successfully promote adoption.
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