Digital Financial Literacy in A Post-Covid World: The Role of AI and Technological Innovation in Shaping Financial Decision-Making

Objective: This study aims to investigate the consequences and boundaries of technological innovation's influence on financial literacy in the context of the COVID-19 pandemic. Theoretical Framework: The research investigates the nature of financial literacy and digital financial literacy and its relation to sustainability. Additionally, interrelations between digital financial literacy and Artificial Intelligence and the way COVID promotes digital financial literacy improvement are presented. Method: The research methodology is based on content analysis, comparative analysis and impact analysis. The data collection was carried out through a survey. The survey was carried out using the method of the respondents and the selection included all voluntary respondents. The survey was conducted in an online environment using Google Workspace tools, in particular Google Forms, and was self-administered by the authors. Results and Discussion: The results revealed a positive attitude of users towards digital technologies in the conditions of a pandemic crisis and this inevitably leads to an increase in financial literacy. These results highlight the role of digital financial literacy and technology in achieving better financial behaviour and resilience during the pandemic. They also show the limitations of their effectiveness in certain aspects, such as the formation of financial attitudes. Research Implications: The operational and conceptual consequences of the study are examined, presenting perspectives on how outcomes might be implemented or influenced by methods employed in financial literacy development. These ramifications could include AI adoption, digital culture improvement, and so forth. Originality/Value: This study contributes to the literature by examining the relationship between financial literacy and artificial intelligence in the context of the COVID-19 epidemic. The fast adoption of artificial intelligence and the necessity for increased financial literacy demonstrate the relevance and significance of this research.