AI Based Digital Banking, Financial Literacy, and Financial Inclusion

An Empirical Investigation

Authors

DOI:

https://doi.org/10.66838/sauc.6493

Keywords:

Digital Banking, Financial Literacy, Financial Inclusion, FinTech, UTAUT, PLS-SEM, Central Bank Digital Currency, Economic Empowerment, Financial Technology Adoption, Digital Financial Services, AI.

Abstract

AI Based Digital banking channels have expanded rapidly across both advanced and emerging economies, yet the extent to which this expansion translates into genuine financial inclusion remains contested, and appears to depend heavily on the financial literacy of the populations being reached. This study empirically investigates the relationships among digital banking adoption, financial literacy, and financial inclusion, and tests whether financial inclusion itself moderates the effect of digital financial technology (FinTech) use on household economic sustainability. Drawing on the Unified Theory of Acceptance and Use of Technology (UTAUT), the Diffusion of Innovation framework, and the capability approach to financial inclusion, we develop and test an integrated conceptual model in which financial literacy and financial inclusion act as antecedents of usage intention alongside effort expectancy, performance expectancy and social influence, extended with perceived security and government support as contextual drivers relevant to central bank digital currency (CBDC) adoption.....

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Published

2025-12-29

How to Cite

Bharat Bhatt, & Dr.Basit Ali Bhatt. (2025). AI Based Digital Banking, Financial Literacy, and Financial Inclusion: An Empirical Investigation. Street Art & Urban Creativity, 11(8), 280–293. https://doi.org/10.66838/sauc.6493

Issue

Vol. 11 No. 8 (2025): Culture, Society and the Digital Economy

Section

Research articles

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