International Journal For Multidisciplinary Research

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A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Assessing the Impact of AI-Driven Trust Scoring on Consumer Financial Decision-Making in India’s Digital Ecosystem

Author(s) Chandra Shikhi Kodete
Country United States
Abstract Artificial intelligence-driven trust scoring has emerged as a pivotal innovation in digital finance, offering granular evaluations of provider compliance, risk and security posture. This literature review critically synthesises conceptual frameworks of trust, behavioural decision-making theories and emerging AI trust-scoring methodologies to assess their impact on consumer financial choices in India. We explore institutional, interpersonal and technological trust dimensions, examine theoretical models; Theory of Planned Behavior and Heuristic-Systematic Model; and detail machine-learning, NLP and anomaly-detection mechanisms underpinning trust scores. Empirical evidence from global studies reveals that algorithmic trust cues enhance platform adoption, reduce fraud anxiety and shape spending behaviours, although methodological heterogeneity and contextual dependencies limit generalisability. India’s Digital Public Infrastructure, notably UPI and Jan Dhan Yojana, presents unique opportunities and challenges, marked by urban–rural disparities and evolving regulatory frameworks. We identify research gaps, including longitudinal impacts and demographic differentials, and propose mixed-method and policy approaches to strengthen AI-driven trust ecosystems for scholarship
Keywords -
Published In Volume 3, Issue 6, November-December 2021
Published On 2021-11-05

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