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Learning From AI ‐Generated Financial Educational Content: Impacts on Subjective Knowledge and Financial Well‐Being

Inga Timmerman

Journal of Consumer Affairs2026https://doi.org/10.1111/joca.70043article
AJG 1ABDC A
Weight
0.50

Abstract

This study investigates whether generative AI educational content, specifically ChatGPT‐generated financial education materials, can enhance self‐reported financial knowledge and well‐being in the domains of budgeting, debt management, and investing. Using an experimental design, we find that AI‐generated financial educational content increases self‐reported knowledge, but the benefits are unevenly distributed: individuals with higher baseline financial literacy gain more than those with limited prior knowledge. Mediation analyses further show that these perceptual gains do not consistently translate into improvements in financial well‐being, particularly, in the context of debt stress, where worry continues to exert a strong negative influence. Together, the findings underscore both the promise and the limitations of generative AI in financial education, highlighting the need for more inclusive, adaptive, and emotionally supportive interventions.

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https://doi.org/https://doi.org/10.1111/joca.70043

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@article{inga2026,
  title        = {{Learning From AI ‐Generated Financial Educational Content: Impacts on Subjective Knowledge and Financial Well‐Being}},
  author       = {Inga Timmerman},
  journal      = {Journal of Consumer Affairs},
  year         = {2026},
  doi          = {https://doi.org/https://doi.org/10.1111/joca.70043},
}

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Evidence weight

0.50

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.