Digital inclusion through AI : Enhancing financial literacy for equitable growth
*Ajay SinghCorresponding authordr.ajaysingh2012@gmail.comSchool of Business and ManagementChrist (deemed to be) UniversityBengaluru, Karnataka, India0009-0001-7067-7047View full profile → , Pawan Kumarpawan2006@gmail.comDepartment of Management StudiesGraphic Era (deemed to be) UniversityDehradun, Uttrakhand, India0000-0003-4892-6374View full profile → , Arvinder Kaurarvinderkaurcs@gmail.comGlobal School of Finance and AccountingChandigarh UniversityMohali, Punjab, 140413, India0000-0001-7360-5674View full profile → , Jigar Rupanijigarrupani8483@gmail.comSchool of Business and ManagementChrist (Deemed to be) UniversityBengaluru, Karnataka, India0000-0002-2480-0825View full profile → , V. Hemant Kumarhemant.kumar@presidencyuniversity.inSchool of Commerce and ManagementPresidency UniversityBengaluru, Karnataka, India0000-0002-5836-7943View full profile →
* Corresponding author · click or hover a name for details
- Received:
- 05 Feb 2025
- Published Online:
- 29 Nov 2025
- Article type:
- Research Article
- Language:
- EN
- Article no.:
- JIOS-2061
- Pages:
- 2467–2475
Abstract
Keywords
Subject Classifications
References
[1] J. P. Joseph, “The role of emotional regulations and risk appetite on investment decision,” Journal of Statistics and Management Systems, vol. 27, no. 8, pp. 1615–1634 (2024), doi: 10.47974/JSMS-1222.
[2] B. E. Ocran, R. Minkah, and K. Doku-Amponsah, “A reduced-bias weighted least squares estimation of the extreme value index,” Journal of Statistics and Management Systems, vol. 27, no. 8, pp. 1499–1523 (2024), doi: 10.47974/JSMS-981.
[3] M. Bhatnagar, S. Taneja, and E. Özen, “A wave of green start-ups in India—The study of green finance as a support system for sustainable entrepreneurship,” Green Finance, vol. 4, no. 2, pp. 253–273 (2022), doi: 10.3934/gf.2022012.
[4] A. K. Arora and M. Tyagi, “Advances in Global Business, Economics, Finance and Social Sciences,” Journal of Statistics & Management Systems, vol. 26, no. 3, pp. i–vii (2023), doi: 10.47974/JSMS-26-3-FOREWORD.
[5] R. R. Rahrig, “ANOVA F-test and Kruskal-Wallis test performance comparison under varying distributions, variance heterogeneity, sample sizes, and noncentrality structures,” Journal of Statistics and Management Systems, vol. 27, no. 8, pp. 1595–1613 (2024), doi: 10.47974/JSMS-1116.
[6] M. R. Laxmi, R. Clonia, R. Singh, N. K. Gupta, S. M. Adhav, and S. Suneetha, “Comparative Analysis of Machine Learning and Its Powered Technologies Applications in the Banking Sector,” Institute of Electrical and Electronics Engineers Inc., pp. 2415–2420 (2023). doi: 10.1109/IC3I59117.2023.10397904.
[7] J. Zhang and R. Jamil, “Assessing the Complex Interplay of China’s Fertility Policy Adjustments and Female Employment Dynamics: An In-depth Analysis of the Digitalized HRM Landscape in the Age of AI and Big Data,” Journal of Information Systems Engineering and Management, vol. 9, no. 1 (2024), doi: 10.55267/iadt.07.14508.
[8] M. Bhatnagar, S. Taneja, and R. Rupeika-Apoga, “Demystifying the Effect of the News (Shocks) on Crypto Market Volatility,” Journal of Risk and Financial Management, vol. 16, no. 2, p. 136 (2023), doi: 10.3390/jrfm16020136.
[9] S. Tiwari, P. Agarwal, and R. Singh, “The impact of digital transformation on workforce engagement in Indian banking sector,” Journal of Information & Optimization Sciences, vol. 44, no. 1, pp. 171–178 (2023), doi: 10.47974/JIOS-1305.
[10] Mukul, S. Taneja, E. Özen, and N. Bansal, “CHALLENGES AND OPPORTUNITIES FOR SKILL DEVELOPMENT IN DEVELOPING ECONOMIES,” Contemporary Studies in Economic and Financial Analysis, vol. 112B, pp. 1 – 22 (2024), doi: 10.1108/S1569-37592024000112B001.
[11] E. E. Elfar, “Exploring the impact of AI awareness on AI anxiety: the moderating role of perceived organizational support,” Management and Sustainability (2025), doi: 10.1108/MSAR-01-2025-0008.
[12] D. Mahat, S. K. Shrestha, D. Neupane, T. B. Karki, and P. Dongol, “Green human resource management and sustainable workplace: Artificial Intelligence as mediating variable,” Edelweiss Applied Science and Technology, vol. 9, no. 6, pp. 656–667 (2025), doi: 10.55214/25768484.v9i6.7863.
[13] G. T. Chavan, S. H. Lavate, P. R. Selokar, D. Raverkar, A. P. Munshi, and K. Kusum, “An optimization strategy for portfolio management leveraging deep reinforcement learning for automated stock trading,” Journal of Information and Optimization Sciences, vol. 46, no. 4-B, pp. 1177–1187 (2025), doi: 10.47974/JIOS-1901.
[14] L. T. Hien and P. T. Tam, “Applied Data Science for Exploring Human Resource Management Affecting the Competitiveness of Commercial Banks in Vietnam,” Journal of Applied Data Sciences, vol. 6, no. 2, pp. 1351–1366 (2025), doi: 10.47738/jads.v6i2.710.
