Abstract
Artificial Intelligence (AI) is reshaping financial education by offering innovative tools to enhance student engagement and learning outcomes. In this study, the researchers investigated the long-term impact of an AI-enhanced financial literacy course on Japanese university students' financial behaviors, with a focus on investment and savings habits. Expanding on prior research, the researchers surveyed both former and current students from three universities—Oberlin, Chuo, and Rissho—to assess how generative AI tools influence financial decision-making. Findings indicated that while AI-assisted instruction improved students’ understanding of financial concepts, it did not significantly impact investment participation when compared to traditional learning methods. Students from Rissho University, who did not use AI tutors, exhibited stronger financial behaviors than those in AI-supported courses, suggesting that instructional design and socioeconomic factors may play a greater role than AI itself. Additionally, concerns regarding AI overreliance and the accuracy of financial guidance emerged. This study underscores the benefits and limitations of generative AI in financial education, highlighting the need for a balanced approach that integrates AI with hands-on financial planning experiences. Future research should explore how AI can be optimized to promote long-term financial behaviors and investment confidence.
Author Information
Jon Gorham, Chuo University, Japan
Daniel J. Mills, Ritsumeikan University, Japan
Paper Information
Conference: IICE2025
Stream: Design
This paper is part of the IICE2025 Conference Proceedings (View)
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To cite this article:
Gorham J., & Mills D. (2025) AI-Driven Financial Education: Assessing Long-Term Student Engagement and Investment Behavior ISSN: 2189-1036 – The IAFOR International Conference on Education – Hawaii 2025 Official Conference Proceedings (pp. 337-345) https://doi.org/10.22492/issn.2189-1036.2025.29
To link to this article: https://doi.org/10.22492/issn.2189-1036.2025.29
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