Harnessing Artificial Intelligence to Bridge the Rural Financial Divide in India

Abstract

This study explores how artificial intelligence (AI) can bridge the rural financial divide in India through interdisciplinary collaboration and inclusion of marginalized voices. Conducted across four Tamil Nadu districts, the mixed-method research involved 200 rural respondents and key stakeholders. SPSS and AMOS analyses revealed that digital literacy (β = .45) and trust in AI tools (β = .30) significantly influence adoption, while barriers like poor connectivity and age limit usage. Structural modeling confirmed strong links between collaboration, inclusion, and social change. The study concludes that inclusive design, community engagement, and policy support are essential for AI to drive equitable rural development.