The Application of Artificial Intelligence in Developing Students’ Financial Intelligence through Mathematics Education
Esmaeil Yousefi
1
(
گروه آموزش ریاضی، دانشکده علوم و فناوذی های همگرا، دانشگاه آزاد اسلامی، واحد علوم و تحقیقات،تهران، ایران
)
ُSaba Karbalaei
2
(
Department of Mathematics, SR.C, Islamic Azad University, Tehran, Iran.
)
Mohammad Gholamian
3
(
Department of Mathematics, WT.C, Islamic Azad University, Tehran, Iran
)
Keywords: Financial intelligence, Mathematics education, Artificial intelligence, Technology-enhanced learning, Financial decision-making,
Abstract :
The main purpose of the present study is to investigate the role of artificial intelligence (AI) in developing students’ financial intelligence through mathematics education. Over the past decade, the integration of mathematics education with financial concepts has been considered one of the key strategies for enhancing the financial literacy of the new generation; however, the limitations of traditional teaching methods have highlighted the necessity of employing modern technologies such as AI. This research employed a quasi-experimental method with a pre-test–post-test control group design. The statistical population included all lower secondary school students in District 2 of Tehran during the 2024–2025 academic year, and a sample of 120 students was selected using cluster random sampling. The data collection tools consisted of a standardized financial intelligence questionnaire and a mathematics performance test focused on financial problems. In the experimental group, mathematics instruction was conducted using AI-based applications and financial simulation scenarios, while the control group received only traditional mathematics instruction. Data analysis using multivariate analysis of covariance (MANCOVA) indicated that the integration of AI into mathematics education led to a significant improvement in students’ financial intelligence and financial problem-solving skills (p < 0.01). The findings suggest that AI can serve as a powerful tool in bridging the gap between mathematical concepts and everyday financial applications, paving the way for the development of essential 21st-century skills. Accordingly, it is recommended that educational policymakers and mathematics teachers harness the potential of intelligent technologies to strengthen students’ financial intelligence and economic decision-making.
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