Artificial Intelligence as a Driver of Financial Education: Opportunities and Challenges

L'intelligence artificielle comme levier d'éducation financière: opportunités et limites Artificial Intelligence as a Driver of Financial Education: Opportunities and Challenges

Aziza Imane El Hachimy and Said Toufik
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Aziza Imane El Hachimy: Laboratoire d’analyse Economique Et Modélisation (LEAM) - Faculté des Sciences Juridiques Economiques et Sociales - Souissi, Rabat
Said Toufik: Laboratoire d’analyse Economique Et Modélisation (LEAM) - Faculté des Sciences Juridiques Economiques et Sociales - Souissi, Rabat

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Abstract: Artificial intelligence (AI) has experienced major advances over recent decades, ushering in a new era of machines capable of learning, self-correcting, and mimicking human behavior. While sometimes seen as a potential source of future conflicts, AI is also perceived as a universal solution. In parallel, financial education has become a key pillar for economic development and financial stability, especially in an increasingly complex and uncertain global environment. The digital era has profoundly transformed organizational practices, particularly in information management and education. In this context, AI offers new opportunities to enhance and personalize financial training, making financial solutions more accessible and inclusive through the use of algorithms and data. This study aims to analyze the impact of AI on financial education. After a literature review covering the key concepts of AI and financial education, we adopted a hypothetico-deductive approach, conducting a quantitative survey with a sample of 384 individuals' representative of the Moroccan population who have pursued higher education (universities, business schools, engineering schools, and vocational training institutions). The study assesses respondents' financial behaviors, their perceptions of AI in financial education, and their ability to integrate these technologies into personal financial management. Preliminary findings suggest that AI has the potential to enhance financial knowledge among young graduates, while also raising concerns related to trust, accessibility, and digital inequality. Finally, the research highlights the main challenges to be addressed for a successful integration of AI in financial education, particularly in terms of awareness, regulation, and the development of digital skills.

Keywords: Financial Education; IA; Financial Behavior; financial inclusion; Éducation financière; Intelligence artificielle; Inclusion financières; comportement financier (search for similar items in EconPapers)
Date: 2025-09-26
New Economics Papers: this item is included in nep-ara
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Published in African Scientific Journal, 2025, 03 (32Octobre2025), pp.170. ⟨10.5281/zenodo.17213133⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05311489

DOI: 10.5281/zenodo.17213133

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