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In the rapidly evolving landscape of twentyfirst-century finance, digitized financial services have become ubiquitous, with Artificial Intelligence (AI) emerging as a transformative force. This chapter investigates consumers’ contemporary dilemma in personal finance, navigating the intersection between traditional reliance on social networks for financial wisdom and the allure of AI-driven FinTech solutions. The study, encompassing 163 individuals, explores their financial decision-making preferences to discern whether they gravitate toward human connections or AI. The literature review categorizes findings into Digital Financial Literacy, FinTech, and Financial Socialization, offering insights into aspects such as autonomy, confidence, subjective well-being, and the digital divide. The chapter employs regression analysis, revealing the substantial impact of human connection and artificial intelligence on financial well-being. The significant relationships are the predictive power of these variables in shaping financial outcomes. This comprehensive exploration contributes valuable insights into the dynamic interplay between human connections and AI in personal finance. It provides a structured overview of key themes and emphasizes the need for a balanced approach that leverages the strengths of both human connections and AI to enhance overall financial well-being. The findings are helpful for individuals navigating the contemporary financial landscape, emphasizing the importance of informed decision-making that integrates the strengths of interpersonal relationships and cutting-edge AI technologies. The nexus of personal relationships, social networks, and AI has wide-ranging socioeconomic implications for various domains, individuals, households, and financial institutions. Financial well-being and artificial intelligence are emerging subjects of paramount importance in the current phase of the economy. Closer collaboration between these will likely generate new and useful insights into the financial decision-making of individuals and households.

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Human-Centered Intelligence in Financial Decision-Making

  • 章节

  • 发表日期：

    2026年

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  • Anchal Saini,
  • Nitin Kulshrestha,
  • Shubhanker Yadav

摘要

In the rapidly evolving landscape of twentyfirst-century finance, digitized financial services have become ubiquitous, with Artificial Intelligence (AI) emerging as a transformative force. This chapter investigates consumers’ contemporary dilemma in personal finance, navigating the intersection between traditional reliance on social networks for financial wisdom and the allure of AI-driven FinTech solutions. The study, encompassing 163 individuals, explores their financial decision-making preferences to discern whether they gravitate toward human connections or AI. The literature review categorizes findings into Digital Financial Literacy, FinTech, and Financial Socialization, offering insights into aspects such as autonomy, confidence, subjective well-being, and the digital divide. The chapter employs regression analysis, revealing the substantial impact of human connection and artificial intelligence on financial well-being. The significant relationships are the predictive power of these variables in shaping financial outcomes. This comprehensive exploration contributes valuable insights into the dynamic interplay between human connections and AI in personal finance. It provides a structured overview of key themes and emphasizes the need for a balanced approach that leverages the strengths of both human connections and AI to enhance overall financial well-being. The findings are helpful for individuals navigating the contemporary financial landscape, emphasizing the importance of informed decision-making that integrates the strengths of interpersonal relationships and cutting-edge AI technologies. The nexus of personal relationships, social networks, and AI has wide-ranging socioeconomic implications for various domains, individuals, households, and financial institutions. Financial well-being and artificial intelligence are emerging subjects of paramount importance in the current phase of the economy. Closer collaboration between these will likely generate new and useful insights into the financial decision-making of individuals and households.