ARTIFICIAL INTELLIGENCE AND FINANCIAL LITERACY: EMPOWERING YOUNG PEOPLE TO MAKE EVIDENCE-BASED AND INFORMED FINANCIAL DECISIONS

This conceptual and comparative review examines how artificial intelligence (AI) can support financial literacy among young people by improving access to explanations, personalized budgeting guidance, fraud awareness and reflective decision-making. Drawing on ten international and Uzbekistan-related institutional and scholarly sources, the article integrates financial capability theory, digital literacy principles and AI risk governance. A structured analytical framework distinguishes foundational knowledge, practical behavior, critical verification and responsible AI use. Findings indicate that conversational assistants and adaptive learning tools can lower informational barriers, but inaccurate outputs, opaque recommendations, data privacy risks and algorithmic bias may undermine financial autonomy. Two comparative tables and two illustrative diagrams translate the literature into a practical educational model. The figures are conceptual visualizations, not results of a survey or experiment. The article proposes a human-supervised, privacy-conscious implementation model for universities and youth programs in Uzbekistan.