Artificial Intelligence and Financial Counseling: Do Institutions of Higher Education Embed Chatbots in their Financial Wellness Websites?
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Date
2025-03-21
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Higher Education Financial Wellness Alliance (HEFWA)
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Abstract
This brief makes a timely contribution to the literature by accomplishing three objectives: Understanding how many and which kinds of institutions publish financial wellness information on their official .edu website. Understanding whether institutions embed AI chatbots into these financial wellness websites. And understanding whether these AI chatbots are online and available to Internet users during normal local time business hours (9:00 AM to 5:00PM). This brief builds upon HEFWA’s foundational work by exploring the presence of AI chatbots on institutional financial wellness websites. This work will help financial wellness practitioners and students understand whether institutions are leveraging emergent AI technology and how financial wellness programs can leverage this technology to render financial wellness operations more efficient and responsive for college students.
Description
This brief makes a timely contribution to the literature by accomplishing three objectives: Understanding how many and which kinds of institutions publish financial wellness information on their official .edu website. Understanding whether institutions embed AI chatbots into these financial wellness websites. And understanding whether these AI chatbots are online and available to Internet users during normal local time business hours (9:00 AM to 5:00PM). This brief builds upon HEFWA’s foundational work by exploring the presence of AI chatbots on institutional financial wellness websites. This work will help financial wellness practitioners and students understand whether institutions are leveraging emergent AI technology and how financial wellness programs can leverage this technology to render financial wellness operations more efficient and responsive for college students.
Keywords
higher education, financial wellness, websites, artificial intelligence, chatbots, college, university, college students, technology, financial counseling, financial literacy, financial stress, financial confidence, financial planning
Citation
Higher Education Financial Wellness Alliance (HEFWA)
Journal
Higher Education Financial Wellness Alliance (HEFWA)
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This is an Open Access article distributed under the terms of the Creative Commons Attribution-Noncommercial-Noderivatives License (http://creativecommons.org/licenses/by-nc-nd/4.0/), which permits non-commercial re-use, distribution, and reproduction in any medium, provided the original work is properly cited, and is not altered, transformed, or built upon in any way. The terms on which this article has been published allow the posting of the article in a repository by the author(s) or with their consent.
http://creativecommons.org/licenses/by-nc-nd/4.0/
http://creativecommons.org/licenses/by-nc-nd/4.0/
Type
Technical Report