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International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
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ISSN: 3108-1754 (Online)
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Volume 02, Issue 6

Published on: June 2026

EMPOWERING WOMEN THROUGH AI-DRIVEN FINANCIAL LITERACY IN THE DIGITAL ECONOMY

Mary Elizabeth Shyamala. G.E

PG and Research Department of Commerce, Holy Cross College (Autonomous), Affiliated to Bharathidasan University, Tiruchirappalli.
DOI:https://doi.org/10.55041/ijcope.v2i6.015

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Abstract

This chapter examines the role of Artificial Intelligence (AI)-driven financial literacy in empowering women within the digital economy. Using primary data collected from 40 respondents through a structured questionnaire, the study applies statistical tools such as Chi-square and Spearman’s correlation to analyse financial awareness and decision-making behaviour. The findings reveal that financial empowerment is influenced more by awareness, education, and digital access than demographic factors such as age and income. AI-enabled tools such as chatbots and robo-advisors enhance financial inclusion and decision-making efficiency. However, challenges such as digital illiteracy and socio-cultural barriers persist. The study concludes that AI-driven financial literacy is a critical enabler of women’s economic independence and recommends targeted digital education initiatives and inclusive financial policies.

Keywords: AI, Financial Literacy, Women Empowerment, Digital Finance, FinTech, Financial Inclusion, Sustainable Finance

 

How to Cite this Paper

G.E, M. E. S. (2026). Empowering Women through AI-Driven Financial Literacy in the Digital Economy. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(6). https://doi.org/10.55041/ijcope.v2i6.015

G.E, Mary. "Empowering Women through AI-Driven Financial Literacy in the Digital Economy." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 6, 2026, pp. . doi:https://doi.org/10.55041/ijcope.v2i6.015.

G.E, Mary. "Empowering Women through AI-Driven Financial Literacy in the Digital Economy." International Journal of Creative and Open Research in Engineering and Management 02, no. 6 (2026). https://doi.org/https://doi.org/10.55041/ijcope.v2i6.015.

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