The Impact of Artificial Intelligence on Trust and Uninterrupted Usage Intention in AI Financial Service: Evidence from Bangladeshi Consumers

In the case of financial services, AI is transforming the industry by offering automated support, one-on-one recommendations, digital payments, fraud detection, and decision-assistance based on data. Nevertheless, the long-term effectiveness of the AI-based financial services relies on consumer trust and the intention to use it constantly. This paper discusses the impact of perceived AI ability, AI visibility, AI customization, perceived security and privacy safeguard, and perceived risk on trust and continuance intention among the consumers of Bangladesh. Quantitative survey design was employed and 630 valid responses were examined using the partial least squares structural equation modelling. The measurement model yielded strong reliability, convergent, discriminant and acceptable collinearity. It is represented in the structural results that the perceived AI capability, AI transparency, AI personalization, and security and privacy protection are positively related to trust, whereas perceived risk is negatively related to trust. Trust is a significant predictor of continuous usage intention and shows mediating relations to all suggested indirect relationships. There also exists moderate explanatory power, predictive relevance, predictive power and acceptable supplementary fit in the model. The conclusions are that sustainable AI-oriented financial services must have effective systems, good explanations, responsible personalization, robust privacy protection, and risk mitigation measures. The research has implications to financial institutions, fintech providers, and regulators interested in retaining consumers in the emerging digital finance markets and inclusive digital transformation in Bangladesh today.