The present study addresses the research needs by examining how consumer's objective and subjective financial knowledge is associated with their interest in using AI for financial planning purposes. Additionally, the study considers whether prior technology adoption further moderates this relationship. This research seeks to contribute to theory and practice in consumer financial behavior by clarifying these mechanisms. It offers insights that can inform education, policy, and the responsible development of AI-driven financial tools.
Author(s): Ravisha Chutani, Kimberly Watkins, John Grable
