ISSN

2321-5763 (Online)
0976-495X (Print)


Author(s): Lokeshwari DV, Shruthi M P, T. Manjunatha

Email(s): dvlhokeshwarie@gmail.com , mpshurthigvt@gmail.com , tmmanju87@gmail.com

DOI: 10.52711/2321-5763.2025.00021   

Address: Lokeshwari DV1, Shruthi M P2, T. Manjunatha3
1Assistant Professor, PG Department of Commerce, Surana College – Autonomous, Bangalore, Karnataka.
2Assistant Professor, School of Commerce and Management, Dayananda Sagar University, Bangalore, Karnataka.
3Professor, Department of MBA, Visvesvaraya Technological University, BDT College of Engineering, Davanagere -577004, Karnataka.
*Corresponding Author

Published In:   Volume - 16,      Issue - 2,     Year - 2025


ABSTRACT:
This study investigates AI's impact in increasing financial inclusion and strengthening government-led initiatives such as PMJDY and DBTs. AI tools like machine learning-based credit scoring and automated transactions help to combat instability, fraud, and financial exclusion. The study, which is based on TAM, Financial Inclusion Theory, RBV, and Fraud Triangle Theory, analyses primary data from 468 stakeholders as well as secondary data from the RBI and NITI Aayog. While AI enhances transparency and efficiency, its influence on fraud prevention and financial literacy is questionable. SEM confirms a beneficial link between artificial intelligence and financial inclusivity. Future research should focus on improving AI infrastructure, literacy initiatives, and internet accessibility to promote long-term economic growth.


Cite this article:
Lokeshwari DV, Shruthi M P, T. Manjunatha. Artificial Intelligence in Financial Inclusion: An Impact on Financial Accessibility and Efficiency in India. Asian Journal of Management. 2025;16(2):134-8. doi: 10.52711/2321-5763.2025.00021

Cite(Electronic):
Lokeshwari DV, Shruthi M P, T. Manjunatha. Artificial Intelligence in Financial Inclusion: An Impact on Financial Accessibility and Efficiency in India. Asian Journal of Management. 2025;16(2):134-8. doi: 10.52711/2321-5763.2025.00021   Available on: https://ajmjournal.com/AbstractView.aspx?PID=2025-16-2-10


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Asian Journal of Management (AJM) is an international, peer-reviewed journal, devoted to managerial sciences. The aim of AJM is to publish the relevant to applied management theory and practice...... Read more >>>

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