This study examines how education level and selfperceived tech savviness influence individuals' reliance on AI technologies in their daily lives. We surveyed participants (N=53) with varying educational backgrounds to assess their AI
perceptions (comfort, trust, usefulness, ease of use) and habit formation around AI features. Results reveal that individuals with higher education, especially those with Master's degrees, exhibit significantly stronger reliance on AI tools. Additionally, selfreported tech savviness impacts reliance on AI-powered
recommendations. These findings emphasize the interplay of formal education and self-confidence in shaping AI adoption. Designing inclusive AI interfaces and creating educational interventions tailored to diverse backgrounds are crucial for
promoting AI use and unlocking its full potential for all users.

Keywords: Artificial intelligence, technology acceptance, habit
formation, education, self-efficacy