IMPACT OF UTILIZING AI PERSONAL FINANCIAL TOOLS ON FINANCIAL WELL-BEING: INTEGRATION OF UTAUT AND THE EXPECTATION-CONFIRMATION MODEL

The blistering development of the Artificial Intelligence (AI) has altered the financial services environment, providing new personal financial technology, which improves the financial decision-making and well-being. Among women entrepreneurs who operate small and medium-sized enterprises (SMEs), financial inclusion, credit access, and general business performance have a lot of potential in these cases, and the use of AI-based financial solutions can greatly improve them. The paper explores how the use of AI personal financial tools affects the financial status of the women entrepreneurs, merging the Unified Theory of Acceptance and Use of Technology (UTAUT) and the Expectation-Confirmation Model (ECM) as the theory. To understand adoption behavior, the research examines the main aspects of performance expectancy, the expectancy of the effort, social influence, and facilitating conditions, the user expectations, satisfaction, and continuance intentions. The results draw attention to the duality of motivations and barriers technological, economic and institutional in the formation of adoption decisions. The paper highlights the role of AI-based financial solutions in empowering female entrepreneurs to save, plan investment, and manage risks and how policy and regulatory considerations can be used to drive digital financial inclusion. UTAUT plus ECM offer an inclusive perspective to evaluate the preliminary adoption and long-term use, which can be useful to policymakers, technology developers, and financial institutions to enable women-led SMEs to thrive in the digital age.