Artificial intelligence is transforming financial behavior and decision-making processes, offering new opportunities to optimize financial systems and reduce bias. This study explores the intersection of AI and financial behavior using bibliometric analysis to identify trends, gaps, and emerging directions in this rapidly evolving field. A total of 1019 documents are available in Scopus for the period 1987–2024. The articles are analyzed using the Bibliometrix R package and the Bibliophagy graphical user interface. Key findings show a robust annual growth rate of 13.34%, highlighting the growing relevance of the topic. The analysis revealed central themes such as machine learning, decision-making, and financial inclusion, along with critical gaps in ethical considerations, regional disparities, and practical applications of AI for marginalized populations. Leading contributors and influential sources, including journals such as IEE Access and Expert Systems with Applications, were mapped to understand the intellectual structure of the field. The study highlights the urgent need to address and mitigate algorithmic biases to ensure fairness, transparency, and ethical outcomes in AI-driven systems. It also highlights the importance of improving financial literacy and adapting AI tools for fair financial inclusion. These insights provide a roadmap for future research and practical innovation, ensuring that AI is integrated into financial systems ethically and effectively to promote a more inclusive global financial ecosystem.

Age group Correlation analysis Financial tools Index of financial literacy of the population Index of investment decisionmaking efficiency Investment decision Questionnaire. This study aims to establish the impact of financial literacy on investment decisionmaking in developing countries, with the Republic of Kazakhstan serving as a case study. The research approach involved conducting a questionnaire survey for Kazakhstan residents to evaluate their level of financial literacy, followed by analysis of the results through the SPSS software. To evaluate the influence of financial literacy on the efficiency of investment decision-making, a correlation analysis was performed on two variables: the financial literacy index and the investment decision-making efficiency index. The findings indicate that respondents' financial literacy level has an impact on investment decision-making. After all, a higher level of financial literacy indicates a larger number of individuals who have made financial investments at least once, while among respondents with a lower level of financial literacy, approximately 30% did not invest at all. The impact of financial literacy on effective investment decision-making is dependent on age, education, and financial criteria. Moreover, personal income plays a pivotal role in facilitating informed investing choices. The proposed study has practical applications for financial and credit institutions, banks, and government officials in establishing a basis for efficiently injecting finances into the economy of a developing nation. Contribution/ Originality: The originality of the research lies in the assumption that the level of financial literacy depends on age, education, and personal income, which indirectly affects the decision-making of investors regarding investment in developing countries and reduces the investment risk.

The UN Sustainable Development Goals and the Paris Climate Agreement are pushing the current generation to rethink and transform their behaviors. The importance of the research subject is due to the need for universities to implement the third mission and implement the University 4.0 model in response to emerging challenges of promoting sustainable development of society. The main purpose of the study is to assess the impact of students' dietary choices on students' academic achievements, taking into account environmental aspects. In the course of the study, a methodology based on a qualitative approach was used, including the development of questionnaires and the use of Chi-square statistics. The results obtained indicate that there is no relationship between students' academic performance and factors of rational nutrition. The analysis of the responses made it possible to conclude that there is an urgent need for universities to rethink the strategy and mechanisms for the implementation of the mission. It is necessary to give priority attention to the implementation of policies aimed at the formation of mechanisms for the transformation of students' eating behavior in order to achieve sustainable academic growth, taking into account environmental aspects.

Annotation. Recently, individuals have increasingly shown interest in investing in securities as an alternative to deposits and investments in real estate. Private investors have a desire not only to save their savings, but also to multiply them. The impetus for this desire was the crisis caused by the COVID-19 pandemic, as a result of which many companies were forced to either suspend their activities, or transfer their employees to remote operation, or reduce wages. Despite the increasing contribution of private investors to various financial instruments, the issue of protecting their interests is acute. However, the focus of protection begins with the concept of "financial literacy". It is financial literacy that is one of the components of the country's sustainable development chain. In this regard, the purpose of the article is to assess the impact of financial literacy of an unqualified investor on his decision to purchase securities. This issue is insufficiently studied in the scientific Kazakh literature. For a more complete disclosure of the subject of the study, factors such as awareness of the stock market and the level of education of the individual are included in the circle of determinants. The practical significance of the article lies in the scientific approach to the formation of the evidence base of the issue under consideration. Within the framework of the study, null and alternative hypotheses were put forward. Verification of the relationship between these determinants was carried out through multivariate regression analysis. One-factor analysis of variance was used to carry out the relevant calculations concerning the respondents' questions regarding the share of income allocated for the purchase of stock market products. Additionally, based on the results of the conducted sociological research, a one-factor regression analysis was applied. The diversity in methodological approaches allowed a more extensive approach to the evidence base of the hypotheses put forward. The result of the study showed the influence of factors such as awareness of the stock market, financial literacy and education indicator on the level of investment in securities. The practical significance of the results of the work makes it possible to correctly select and strengthen the emphasis in the next steps in the formation of a policy to protect the interests of private investors, often classified by the stock market as unqualified investors.

This article examines the relationship between household debt burden and sustainable consumption, with an emphasis on the environmental consequences of debt-driven consumer behavior. As household debt levels increase worldwide, consumers often prioritize cost over sustainability, leading to choices that may run counter to Sustainable Development Goal (SDG) 12, which focuses on responsible consumption and production. Using bibliometric analysis, this study maps the academic landscape focused on household debt and sustainable consumption, identifying research trends and existing gaps in the literature. The purpose of the study is to identify and scientifically substantiate the relationship between household debt burden and sustainable consumption, as well as to assess the impact of financial debt on environmentally oriented consumer behavior based on a bibliometric analysis of scientific literature in order to identify key trends, research gaps and develop recommendations for policy formation that ensures a balance between household financial stability and the achievement of goals. sustainable development. The results of the study show that the debt burden of the household sector largely causes unstable consumer behavior due to financial pressures that limit consumers' ability and ability to make environmentally conscious choices. At the same time, this list can be expanded with such characteristics as culture and education. The analysis highlights the growing body of research on the impact of debt on consumption. Nevertheless, the study examining the intersection of the debt burden of the household sector and sustainable consumption by this sector is insufficiently covered in the scientific community in Central Asia and in the research environment of Kazakhstan. The results of the study highlight the need for policies that balance financial stability and environmental objectives.