Foreword  3

Executive summary  4

Introduction  7

1 The use of AI to support personal financial decision making  10

1.1. Current trends in the use of AI by consumers to manage their personal finances  10

1.2. Opportunities and risks for consumers in using AI to manage personal finances  11

2 The use of AI to design and deliver financial education  20

2.1. Opportunities  20

2.2. Risks  23

3 Financial literacy competencies for the use of AI in personal finance  26

3.1. Financial literacy competencies for a safe and informed use of AI in the context of personal finance  26

4 Policy considerations  28

References  30

Annex A. The OECD AI Principles  37

Annex B. Glossary  39

Notes  41