Impact of using AI capabilities in implementing FinTech and achieving financial inclusion

Document Type : Original Article

Authors
Mansoureh Aligholi 1
Mohammad Reza Radfar 2
1 Associate Professor, Department of Business Management, Central Tehran Branch, Islamic Azad University, Tehran, Iran
2 Assistant Professor, Department of Financial Management & accounting, South Tehran Branch, Islamic Azad University, Tehran, Iran
10.22034/jik.2025.24049
Abstract
The use of artificial intelligence capabilities and the implementation of FinTech in today's competitive world is not only considered an advantage, but also an inevitable necessity for companies and organizations. On the other hand, the development of investment culture and the expansion of financial technologies require the spread of financial inclusion; therefore, this study examines the impact of artificial intelligence capabilities on FinTech and financial inclusion. The research method is based on the applied objective and on the basis of a descriptive survey implementation and the statistical population includes employees and managers of banks listed on the Tehran Stock Exchange. To collect information, questionnaire and to examine the research hypotheses, structural equation modeling was used in the Smart PLS software, and the results indicate that artificial intelligence capabilities have an impact on FinTech and financial inclusion. It was also observed that FinTech plays a mediating role in the impact of artificial intelligence capabilities on financial inclusion. Finally, practical suggestions are provided.
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