This study examines whether the breadth of mobile financial services usage is associated with consumer interest in AI-based financial advice and whether financial confidence mediates this relationship. Despite financial institutions investing nearly $97 billion in AI by 2027, fewer than 3% of U.S. households use AI-based financial advice services, revealing a critical supply-demand gap. Using nationally representative data from the 2024 National Financial Capability Study, this research employs survey-weighted structural equation modeling to test three hypotheses linking mobile finance usage breadth to AI advice interest via financial confidence.
