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Abstract

Artificial Intelligence has significantly transformed financial decision-making by offering robust investment solutions tailored to individual needs, including those of salaried women. This study aims to examine the impact of AI-driven investment tools on the financial behavior of salaried women, specifically in terms of investment confidence, risk perception, and portfolio diversification. Additionally, the research explores the broader advantages of AI-based financial advisory systems in enhancing investment awareness, access to financial resources, and overall returns. Employing a quantitative research design, the study surveyed 100 salaried women from diverse professional backgrounds. The findings indicate that AI-driven tools positively influence investment confidence (β = 0.67, p < 0.001), portfolio diversification (β = 0.59, p = 0.003), and risk assessment capabilities (β = 0.42, p = 0.015). However, adoption barriers persist, with trust issues (35%), knowledge gaps (30%), and accessibility constraints (20%) identified as key challenges. Despite these hurdles, AI-enabled investment strategies empower salaried women to make informed financial decisions. By integrating financial education and AI literacy programs, more women can overcome these barriers and actively engage in investment activities, fostering long-term economic empowerment.