Purpose:The study endeavors to investigate the role of Artificial Intelligence (AI) usage in financial and investment decision-making with an aim for promoting sustainable growth in emerging economies, investors’ sentiments being the moderating function.

Design/methodology/approach:Taking the basis of the Technology Acceptance Model (TAM) and behavioral finance theory, the study attempts to create an integrated framework for analyzing the assistance of AI in financial and investment settings. The study collected primary data from 350 individual investors in India. Said relationship has been tested using Structural Equation Modelling.

Findings:Following the analyses proposed above it is found that, variables which significantly the intention to adopt AI are perceived utility, simplicity of use, trust in AI systems, and data-driven culture. AI adoption affects positively on sustainable financial and investment decision quality. Investor sentiment toward sustainability significantly moderates this relationship, which strengthens AI’s impact on long-term outcomes.

Practical implications:The results may provide fruitful insights for banks, fintech firms, and policymakers with an aim to promote responsible AI adoption by enhancing AI literacy, digital infrastructure, and governance frameworks.

Originality/value:This study offers evidence from an emerging economy and extends technology adoption and behavioral finance literature by highlighting the moderating role of investor sentiment in AI-driven sustainable finance