The impact of artificial intelligence (AI) competencies on subjective financial well-being in AI-enabled mobile banking: A construal level theory perspective

IF 11.1 1区管理学 Q1 BUSINESS

Journal of Business Research Pub Date : 2026-03-01 Epub Date: 2025-12-20 DOI:10.1016/j.jbusres.2025.115922

Jung-Chieh Lee , Xueer Zhou

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引用次数: 0

Abstract

With artificial intelligence (AI) integration, AI-enabled fintech—such as mobile banking applications—offers personalized, efficient, and responsive financial services. However, the role of AI competencies in promoting users’ financial well-being remains underexplored in the context of AI-enabled mobile banking. Guided by construal level theory, this study investigates how cognitive, relational, and emotional AI competencies influence users’ subjective financial well-being through a sequential mediation pathway involving social psychological distance, social presence, trust, AI skepticism, and user satisfaction. We also include user familiarity with AI-enabled banking and financial literacy as moderating variables. Based on a three-wave longitudinal survey and data from 398 responses, the findings reveal that AI competencies shape subjective financial well-being through a sequential mediation process. Additionally, this study identifies significant moderating effects. We contribute to the literature by shifting the focus beyond adoption behaviors to understand the mechanisms through which AI competencies drive meaningful financial outcomes, specifically users’ subjective financial well-being.

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人工智能（AI）能力对人工智能移动银行中主观财务状况的影响：一个解释水平理论的视角

通过人工智能（AI）集成，支持AI的金融技术（如移动银行应用程序）提供个性化、高效和响应迅速的金融服务。然而，在支持人工智能的移动银行中，人工智能能力在促进用户财务健康方面的作用仍未得到充分探索。在解释水平理论的指导下，本研究探讨了认知、关系和情感人工智能能力如何通过包括社会心理距离、社会存在、信任、人工智能怀疑和用户满意度在内的顺序中介途径影响用户的主观财务幸福感。我们还将用户对人工智能银行的熟悉程度和金融知识作为调节变量。基于一项三波纵向调查和398份回复的数据，研究结果显示，人工智能能力通过一个顺序的中介过程塑造了主观的财务状况。此外，本研究还发现了显著的调节效应。我们通过将焦点从采用行为转移到理解人工智能能力驱动有意义的财务结果（特别是用户的主观财务福祉）的机制，从而为文献做出贡献。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Business Research BUSINESS-

CiteScore

20.30

自引率

10.60%

发文量

956

期刊介绍： The Journal of Business Research aims to publish research that is rigorous, relevant, and potentially impactful. It examines a wide variety of business decision contexts, processes, and activities, developing insights that are meaningful for theory, practice, and/or society at large. The research is intended to generate meaningful debates in academia and practice, that are thought provoking and have the potential to make a difference to conceptual thinking and/or practice. The Journal is published for a broad range of stakeholders, including scholars, researchers, executives, and policy makers. It aids the application of its research to practical situations and theoretical findings to the reality of the business world as well as to society. The Journal is abstracted and indexed in several databases, including Social Sciences Citation Index, ANBAR, Current Contents, Management Contents, Management Literature in Brief, PsycINFO, Information Service, RePEc, Academic Journal Guide, ABI/Inform, INSPEC, etc.