Vol. 14 No. 1 (2026): Business & Management Studies: An International Journal
Articles

AI literacy, financial cognition, and risk propensity: Evidence from healthcare students

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  • Havane Tembelo,
  • Mustafa Özyeşil
Havane Tembelo
Dr., Republic of Turkey Ministry of Health, Istanbul Provincial Health Directorate, İstanbul, Türkiye
Mustafa Özyeşil
Assoc Prof., Haliç University, Business Administration (EN), İstanbul, Türkiye

Published 2026-03-25

Keywords

  • Artificial Intelligence Literacy, Financial Literacy, Risk Propensity
  • Yapay Zekâ Okuryazarlığı, Finansal Okuryazarlık, Risk Alma Eğilimi

How to Cite

AI literacy, financial cognition, and risk propensity: Evidence from healthcare students. (2026). Business & Management Studies: An International Journal, 14(1), 556-575. https://doi.org/10.15295/bmij.v14i1.2717

Copyright (c) 2026 Havane Tembelo- Mustafa Özyeşil

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

How to Cite

AI literacy, financial cognition, and risk propensity: Evidence from healthcare students. (2026). Business & Management Studies: An International Journal, 14(1), 556-575. https://doi.org/10.15295/bmij.v14i1.2717

Abstract

This study examines how artificial intelligence (AI) literacy, financial literacy and behavioural finance awareness relate to individuals' risk-taking tendencies within the financial environment during the digital transformation process. Data were collected from 425 healthcare students using validated scales, and the direction and strength of the relationships among variables were assessed using correlation and regression analyses. The findings indicate that behavioural finance awareness has the strongest relationship with risk-taking propensity, and that financial literacy also demonstrates a statistically significant, positive relationship. A positive relationship was also identified between AI literacy and risk-taking propensity; however, when other financial cognition variables were considered together, this relationship remained relatively limited. The results indicate that technological competence is linked to risk behaviours, but that financial, cognitive and behavioural factors play a more decisive role in shaping risk tendencies. The study provides an empirical contribution regarding the interaction between AI literacy and financial behaviour and aims to support informed risk assessment in the digital age.

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