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G. John

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Open access Aug 2026

Does AI Build Financial Confidence? A Structural Equation Model of AI Usage, Financial Self-Efficacy, and Financial Behaviour among Generation Z

This study proposes and tests a structural model in which AI usage/reliance (AIU) predicts financial behaviour (FB) both directly and indirectly through financial self-efficacy (FSE), controlling for financial literacy (FL).

A. Saravanan, G. John · International journal of com... · 0 citations