The Impact of Corporate AI Washing on Farmers' Digital Financial Behavior Response -- An Analysis from the Perspective of Digital Financial Exclusion

ArXi:2603.18421v1 Announce Type: cross 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.