Determinants of intention to use AI for personal financial management among middle-aged and older adults: evidence from Vietnam and China

Abstract

Purpose This study examines factors associated with older adults' intention to use artificial intelligence (AI) for personal financial management in China and Vietnam by integrating the technology acceptance model (TAM) and the knowledge–behavior gap (KBG) model. Design/methodology/approach Using cross-sectional survey data from 713 respondents, including 407 respondents from Vietnam and 306 from China, the proposed model was examined using partial least squares structural equation modeling (PLS-SEM). Findings Information diagnosticity was positively associated with assessment perceived utility in Vietnam, whereas the corresponding association was not statistically significant in China. Social influence was positively associated with intention to use AI for personal financial management in China but showed no statistically significant association with intention in Vietnam. AI self-efficacy and AI literacy showed significant positive associations with several technology-evaluation and acceptance constructs in both countries. Neither personal innovativeness nor brand reputation significantly moderated the association between acceptance and intention in either national sample. Originality/value Research on AI adoption has predominantly focused on technologically experienced or younger populations. This study extends the literature by examining AI-supported personal financial management among middle-aged and older adults and by comparing the structural associations observed in two Asian countries with different technological and institutional environments.