• Dr. TEJASHWINI K C
• Mr. BASAVARAJA C A

Artificial intelligence (AI) has the potential to transform financial education by providing real-time, personalized, and adaptive learning experiences.This study explores the awareness and perceptions of Generation Z regarding the use of AI tools in financial education. Primary data was collected through a quantitative survey distributed via Google Forms, using a convenience sampling method. The research focuses on three main objectives: assessing Gen Z’s understanding of AI tools in financial education, identifying the perceived benefits and challenges of using these tools, and providing recommendations to enhance awareness and promote AI adoption in this field.The findings indicate that while Gen Z demonstrates a moderate level of awareness, there is significant potential for increased engagement. Participants identified personalized learning and real-time feedback as key advantages, aligning well with Gen Z’s preference for interactive and flexible learning methods. However, the study also highlights several barriers to adoption, including concerns over data privacy and security, as well as a limited understanding of how AI tools function.To address these challenges, the study recommends targeted awareness campaigns, the integration of AI literacy into financial education curricula, and the implementation of robust data protection measures to build user trust. By addressing these areas, educational institutions can enhance the effectiveness and acceptance of AI tools, ultimately improving financial literacy among Generation Z. This research contributes valuable insights for stakeholders in both the technology and education sectors aiming to leverage AI in financial education.

AI, Gen Z, Financial education, Digital learning, Adaptive learning.

"A STUDY ON THE AWARENESS AND UTILIZATION OF AI TOOLS IN FINANCIAL EDUCATION AMONG GENERATION Z", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 7, page no.106-111, July-2025, Available :http://www.jetir.org/papers/JETIRGZ06022.pdf

"A STUDY ON THE AWARENESS AND UTILIZATION OF AI TOOLS IN FINANCIAL EDUCATION AMONG GENERATION Z", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 7, page no. pp106-111, July-2025, Available at : http://www.jetir.org/papers/JETIRGZ06022.pdf