Support For Generative Artificial Intelligence (GAI) Assessment in Malay Language Teaching through Financial Literacy Knowledge and Management

HRMARS - Generative Artificial Intelligence (GAI) is increasingly influencing teaching and assessment practices in Malay language education. However, effective use of GAI requires students to possess adequate financial literacy, particularly in managing access to digital tools, platforms and learning resources. Financial literacy refers to the knowledge, skills, and ability to make informed and responsible financial decisions. Students with stronger financial literacy are more capable of selecting appropriate GAI tools and using them effectively for learning and assessment purposes. Despite its relevance, the conceptual relationship between financial literacy and GAI supported assessment in Malay language education remains underexplored. Therefore, this concept paper aims to examine issues related to students’ financial literacy in Malaysia and its potential role in supporting GAI based assessment. A qualitative approach was used through narrative analysis of ten selected documents to understand students’ financial knowledge and management practices. The findings indicate that financial literacy is associated with positive financial behaviors, including saving and budgeting. Furthermore, three strategic approaches are proposed to strengthen financial literacy as a supporting factor for GAI assessment. These insights may assist educational institutions and policymakers in developing structured financial literacy initiatives to enhance responsible and effective GAI use in Malay language assessment.