2025, Vol. 8, Issue 2

In the era of digital transformation, the integration of Artificial Intelligence (AI) into pedagogy has redefined how financial literacy and behavioural competencies are developed among learners. This secondary research explores the potential of AI-integrated pedagogical frameworks in fostering financial self-efficacy and behavioural transformation among Gen Z students. Drawing insights from contemporary studies published between 2018 and 2025, the paper synthesizes evidence on the intersection of AI-driven learning tools, digital financial education, and behavioural finance principles. It critically examines how AI-based personalized learning, intelligent tutoring systems, and adaptive assessment platforms translate financial knowledge into actionable, responsible behaviour. The review also highlights pedagogical innovations that bridge cognitive understanding with practical financial application through gamification, simulations, and predictive analytics. Findings emphasize that AI-integrated learning environments not only enhance financial confidence but also promote ethical and sustainable decision-making. The study concludes by proposing a conceptual framework linking AI pedagogy, financial self-efficacy, and behavioural transformation.