The Impact of Corporate AI Washing on Farmers' Digital Financial Behavior Response -- An Analysis from the Perspective of Digital Financial Exclusion
In the context of the rapid development of digital finance, some financial technology companies exhibit the phenomenon of "AI washing," where they overstate their AI capabilities while underinvesting in actual AI resources. This paper constructs a corporate-level AI washing index based on CHFS2019 data and AI investment data from 15-20 financial technology companies, analyzing and testing its impact on farmers' digital financial behavior response. The study finds that AI washing significantly suppresses farmers' digital financial behavior; the higher the degree of AI washing, the lower the response level of farmers' digital financial behavior. Moreover, AI washing indirectly inhibits farm...
| Authors | Zhanjie Wen, Wenxiu Li, Jiechang Xia et al. |
|---|---|
| Primary category | cs.CY |
| Published | 19 March 2026 |
| Last updated at source | 22 March 2026 |
Silytics shows public metadata from arXiv and links to the original. Information may be incomplete or out of date. Last refreshed 17 October 2026. Licenses and terms of the original apply to the work itself. Not financial, legal or professional advice.