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Fintech Meets Behavior: How AI-Powered Tools Are Reshaping Financial Decision-Making
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Author(s): Tarika Singh Sikarwar (Prestige Institute of Management and Research, India), Nidhi Jain (Prestige Institute of Management and Research, India), Harshita Mathur (Prestige Institute of Management and Research, India), Seema Mehta (John Hopkins University, USA & Institute of Health Management and Research, India)and Senthil Kumar A. V. (Nehru Institute of Information Technology and Management, India)
Copyright: 2026
Pages: 26
Source title:
Risks, Innovations, and Corporate Social Responsibility in Finance and Accounting
Source Author(s)/Editor(s): Maizaitulaidawati Md Husin (Universiti Teknologi Malaysia, Malaysia), Muslim Amin (Azman Hashim International Business School, Universiti Teknologi Malaysia, Malaysia), Haliyana Khalid (Azman Hashim International Business School, Universiti Teknologi Malaysia, Malaysia), Nor Aiza Mohd Zamil (Universiti Teknologi Malaysia, Malaysia)and Mustafa Nourallah (Mid Sweden University, Sweden)
DOI: 10.4018/979-8-3373-5047-9.ch009
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Abstract
The study was done to check the effect of financial beliefs, attitudes, and goals on the financial behavior of investors in changing digital contexts. Improvements in financial behavioral theory show that changing contexts, also called “evolving settings,” can powerfully affect financial behavior. Our study shows that in the changing Artificial Intelligence (AI) contexts, beliefs affect financial behavior insignificantly in the manifestation of attitude and goals. This study is an advancement over the previous studies as the results are not in line with the previous results of different studies done in the area and provide implications for a financial therapist for counseling and portfolio designing. The study has implications for society and individuals, as there are grave negative and long-term consequences to individuals and society if one fails to manage finances in today's AI age.
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