Financial well-being is a fundamental aspect of individual and economic stability, yet financial decision-making remains a challenge due to cognitive biases and limited financial literacy. This study examines the impact of AI-driven nudges, defined as personalized, automated financial recommendations, on financial well-being among employed individuals in Kerala. A cross-sectional survey of 221 respondents was conducted, and data were analyzed using an Ordinary Least Squares (OLS) regression model to quantify the impact of AI-driven nudges on financial behaviours. Findings indicate that AI-driven nudges enhance financial well-being, particularly in budgeting, debt management, and long-term financial planning. Additionally, financial literacy moderates this relationship, with individuals possessing higher financial knowledge benefiting more from AI-based interventions. These results contribute to the growing discourse on behavioral finance and financial technology, emphasizing the role of real-time, AI-powered financial guidance. The study highlights the potential of AI-driven financial interventions in strengthening financial resilience and offers valuable insights for policymakers, financial institutions, and digital finance platforms.