Abstract
Digital financial services have significantly expanded financial inclusion, particularly in developing economies. More recently, generative artificial intelligence (GenAI) has emerged as a tool for enhancing financial literacy through conversational and personalised guidance. However, its growing role in financial decision-making raises concerns about bias, transparency, and accountability, highlighting the importance of building a responsible perspective when utilising such technology and its applications. This study addresses this gap by investigating how responsible GenAI integration in financial services can shape financial literacy outcomes. Drawing on the Information Systems Success Model and Social Cognitive Theory, this study introduces a framework operationalising responsible AI through information quality, system quality, and service quality, and investigates their effects on financial self-efficacy, usage, satisfaction, and net benefits. The study offers insights into how technological design, cognitive mechanisms, and responsible AI principles can support the development of trustworthy GenAI-enabled financial education solutions that enhance informed financial behaviour and inclusion.