AI literacy, financial cognition, and risk propensity: Evidence from healthcare students<sup></sup>

İngilizce (OpenAlex)

This study examines how artificial intelligence (AI) literacy, financial literacy and behavioural finance awareness relate to individuals' risk-taking tendencies within the financial environment during the digital transformation process. Data were collected from 425 healthcare students using validated scales, and the direction and strength of the relationships among variables were assessed using correlation and regression analyses. The findings indicate that behavioural finance awareness has the strongest relationship with risk-taking propensity, and that financial literacy also demonstrates a statistically significant, positive relationship. A positive relationship was also identified between AI literacy and risk-taking propensity; however, when other financial cognition variables were considered together, this relationship remained relatively limited. The results indicate that technological competence is linked to risk behaviours, but that financial, cognitive and behavioural factors play a more decisive role in shaping risk tendencies. The study provides an empirical contribution regarding the interaction between AI literacy and financial behaviour and aims to support informed risk assessment in the digital age.