The need to address the challenges of FinTech adoption, including limited digital and financial literacy, cybersecurity risks

The gap

Evidence profile

Sourced from the future work and inline gaps and stated research gap of the source papers, classified as general, spanning 4 journals.

Supporting evidence — 4 representative gaps

• Artificial Intelligence Integration and Financial Literacy Enhancement in Jordanian Islamic Banks: The Moderating Role of Customer Trust (2026) · International Journal of Academic Research in Business and Social Sciences · doi

  Beyond the design improvements implied by the limitations above, our findings point to several directions that we think are worth pursuing in their own right. First, comparative studies across multiple Islamic banking markets the Gulf Cooperation Council countries, Malaysia, and Indonesia all present contexts with different regulatory frameworks, different AI investment levels, and different baseline financial literacy environments would test the generalisability of the trust moderation mechanism and identify the boundary conditions under which it operates. Second, qualitative research involving in-depth interviews with bank customers at different trust and literacy levels, and with the product teams responsible for AI tool design, would illuminate the mechanisms through which AI interactions produce educational outcomes and identify which specific design choices matter most. Third, the finding that digital self-efficacy independently predicts financial literacy calls for research that examines the digital skills–financial literacy nexus more directly, including the question of whether targeted digital literacy programmes produce downstream financial literacy gains.

  generalfuture work
  Keywords: literacy different financial design digital levels trust identify produce beyond improvements implied limitations point several
• Financial literacy and environmental dynamism: The moderating role of digital financial capability on the performance of women-owned SMEs in Calapan City, Oriental Mindoro, Philippines (2026) · World Journal of Advanced Research and Reviews · doi

  Given that traditional financial literacy and capability showed non-significant influences, future research should investigate other potential moderating variables, such as technological readiness, innovation capability, and entrepreneurial orientation, to develop a more comprehensive understanding of performance drivers. Since the data revealed that traditional financial literacy seminars—focusing on basic accounting and manual budgeting—are insufficient to improve business performance, these agencies should transition toward Digital Financial Empowerment Programs.

  generalinline gaps
  Keywords: financial traditional literacy capability performance given significant influences future investigate potential moderating variables technological readiness
• THE EFFECT OF DIGITAL ACCOUNTING LITERACY AND ARTIFICIAL INTELLIGENCE (AI) AWARENESS ON THE EFFECTIVENESS OF USING ACCOUNTING INFORMATION SYSTEMS WITH DIGITAL COMPETENCE AS A MODERATING VARIABLE (Study on Accounting Students at Private Universities in Lam (2026) · Escalate : Economics and Business Journal · doi

  acceptance students' through THE EFFECT OF DIGITAL ACCOUNTING LITERACY AND ARTIFICIAL INTELLIGENCE (AI) AWARENESS ON THE EFFECTIVENESS OF USING ACCOUNTING INFORMATION SYSTEMS WITH DIGITAL COMPETENCE AS A MODERATING VARIABLE (Study on Accounting Students at Private Universities in Lamongan)(Aida Hariyanti, Isnaini Anniswati Rosyida, Webbyani Kartikasari) ҉Page |309 that better integrate AI literacy and digital competency the digital for development transformation of the accounting profession. to prepare graduates How to Cite: Aida Hariyanti¹, Isnaini Anniswati Rosyida², Webbyani Kartikasari³ (2026). THE EFFECT OF DIGITAL ACCOUNTING LITERACY AND ARTIFICIAL INTELLIGENCE (AI) AWARENESS ON THE EFFECTIVENESS OF USING ACCOUNTING INFORMATION SYSTEMS WITH DIGITAL COMPETENCE AS A MODERATING VARIABLE (A Study on Accounting Students at Private Universities in Lamongan)4(3). pp. 308-319 https://doi.org/10.61536/escalate.v4i03.600 https://doi.org/10.61536/escalate.v4i03.600 This is an open-access article under theCC-BY-SA License.

  generalfuture work
  Keywords: accounting digital students literacy effect artificial intelligence awareness effectiveness using information systems competence moderating variable
• Bridging the Financial Gap: The Role of FinTech Adoption in Promoting Financial Inclusion in Indonesia (2026) · IC-ITECHS · doi

  The paper identifies the need to address the challenges of FinTech adoption, including limited digital and financial literacy, cybersecurity risks, regulatory complexities, and unequal digital infrastructure across regions. The study highlights the importance of strengthening literacy programs, enhancing consumer protection, improving regulatory frameworks, and expanding digital infrastructure to support the growth of FinTech in Indonesia.

  generalstated research gapevidence 5/5
  Keywords: paper identifies need address challenges fintech adoption including

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