The Dark Side of AI-Enabled Financial Systems: Evidence from Problematic Use Behaviour

Khushboo Narang

doi:10.36948/ijfmr.2026.v08i03.77151

The Dark Side of AI-Enabled Financial Systems: Evidence from Problematic Use Behaviour

Author(s)	Khushboo Narang
Country	India
Abstract	The rapid adoption of smart financial systems has transformed digital behaviours, raising concerns about excessive and problematic usage patterns. The study investigates the transition from adoption through use to problematic use of AI-based financial systems using a comprehensive view including the behavioural, cognitive and psychological dimensions of the user using Behavioural Addiction Theory, Automation Bias Theory, Social Response Theory and Technology Acceptance Model. A quantitatively based cross-sectional research design was used in collecting primary data from 484 active users through a structured questionnaire measured on a 5-point Likert scale. The data were analysed using SPSS version 20, applying Descriptive Statistics, Correlation Analysis, Multiple Regression Analysis and ANOVA. Results show that Usage Dependence, Affective Attachment and Technology Trust positively and significantly influence Problematic Technology Use. However, Perceived Consumer Value does not have a statistically significant direct effect on Problematic Technology Use suggesting that problematic behaviour due to the use of technology is more a result of behavioural and psychological mechanisms than it is a result of rational evaluation of the value of the technology. The regression model accounts for approximately 40% of the variance of the dependent variable indicating a strong amount of explanatory power of the model. ANOVA results indicate no significant differences across age groups, while educational qualification shows statistically significant variation in problematic usage levels. The study concludes that problematic use in AI-enabled financial systems emerges from Usage Dependence, Affective Attachment and Technology Trust, emphasizing the need for responsible system design, user awareness and regulatory attention. The findings underscore the need for responsible AI design, enhanced user awareness and targeted intrusions to prevent problematic usage behaviours.
Keywords	Affective Attachment, AI-Enabled Financial Systems, Problematic Technology Use, Technology Trust, Usage Dependence
Field	Sociology > Banking / Finance
Published In	Volume 8, Issue 3, May-June 2026
Published On	2026-05-03
DOI	https://doi.org/10.36948/ijfmr.2026.v08i03.77151

View / Download PDF File

E-ISSN 2582-2160

doi

CrossRef DOI is assigned to each research paper published in our journal.

IJFMR DOI prefix is
10.36948/ijfmr

Downloads

Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 8 Isu 2 Cover Page Vol 8 Isu 1 Cover Page Vol 7 Isu 6

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA

About IJFMR Fees & Payment Current Issue Publication Archive	Submit Research Paper Track Submission Status Publication Guidelines Publication Ethics Peer Review & Plagiarism	Join as a Reviewer Editors & Reviewers Reviewer Referral Program Get Reviewer Membership Certi.	Website/Journal Policies Usage Policy Content Policies Privacy Policy

Contact Us		+91-9687-828-838	editor@ijfmr.com

International Journal For Multidisciplinary Research

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

The Dark Side of AI-Enabled Financial Systems: Evidence from Problematic Use Behaviour

Share this