The Role of AI-Enhanced Financial Literacy and HR Marketing in Personal Investment Decisions A Quantitative Analysis of Urban and Rural Households

Policymakers around the world have begun to pay more attention to financial inclusion because of the strong foundation it is believed to provide for human growth. National monetary systems as they have always been cannot appeal to every part of society. Members of society who are already well-off find it difficult to participate in the financial industry due to the legacy system's many obstacles. Theoretically, this research aims to shed light on how Artificial Intelligence (AI) can encourage financial inclusion. In order to back up its claims, the report cites actual instances of governments using AI to break down obstacles to financial inclusion. With the right infrastructure and regulations in place, artificial intelligence (AI) can help expand access to financial services. By learning about different investment options and how to diversify their portfolios, people with financial literacy are better able to handle their own money. Investors sought to strike a better income-expenditure balance by taking advantage of new options to invest in firms' stocks, bonds, shares, and other financial instruments through traditional and nontraditional investment channels, as well as stock exchanges. The present economic climate encourages individual investors to trade stocks due to factors such as low stock prices, capital gains, financial interest, and stock market rumours. The reason being that these indexes offer more equitable investment opportunities than traditional forms of investment, such as bank savings. On the other hand, financial literacy (FL) provides a pathway for investors to make wise use of resources by way of investing in solid investments.