Operationalizing and Validating Contextual Financial Judgment: Scale Development and Structural Modeling for AI-Driven Personal Finance
This paper operationalises a new construct - Contextual Financial Judgment (CFJ) – defined as a unique cognitive-attitudinal competence to appraise programmed financial recommendations vis-a-vis non-quantifiable, qualitative life realities, offering a rigorous foundation for evaluating consumer agency in AI-driven fina...