Artificial intelligence Integration for Financial Inclusion: a Study in pakistan

Abstract

 Artificial Intelligence (AI) integration into financial systems has been given important attention due to its potential to enhance financial inclusion, particularly in developing economies like Pakistan. This research examines the potential of AI integration for financial inclusion through mediating variables. The primary aim of this study is to uncover AI solution benefits that improve financial inclusion when these important factors interact. This quantitative study aims to look into the role of AI integration in Pakistan's financial inclusion. Data was collected from 200 financial services users in Pakistan. Data is analyzed using statistical techniques such as PLS-SEM. PLS-SEM modeling was implied to examine the research framework of the study. The study confirms that AI integration has a positive role in mediating variables. The study has implications, that can be recognized and used by policymakers to shape targeted interventions, and policies, which improve financial access by enhancing user knowledge about financial matters and promoting the acceptance of AI system utilization. Findings enable practitioners to create better financial education programs and inclusive financial service delivery so that people can easily understand and access desired outcomes. This study enhanced the academic knowledge of the utilization of AI technology to promote economic growth in developing economies.

Keywords: Artificial Intelligence, Financial Inclusion, Financial Literacy, User adoption, Finance.