AI DRIVEN PERSONAL FINANCE MANAGEMENT TOOLS

Registration ID: IJNRD_302697

Published ID: IJNRD2412187

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Mohit Jain, Arjun Srihari

AI-based personal finance management,traditional financial methods,financial effectiveness,user satisfaction,mixed-methods research,financial behavior modification,financial goal achievement.

The comparative investigation conducted, explored AI-based personal finance management tools and traditional methods for the effectiveness and satisfaction of usage over time to six months. The acquisition of the mixed methods consisted of the allocation of 200 participants encompassing the age interval of 25 to 55 years to either AI tools or traditional forms in managing finances during the experiential period. The currency of statistical data medley has been through surveys, financial reports, and use data collection as well as interviews and focus groups to infuse the qualitative data. Obtaining quantitative information like financial statements, surveys, and other applicable data, besides using interviews and focus groups which serve a precursor to these to gain richer qualitative information. People finding AI tools easy to use had more positive evaluation results than the ones following the tradition of the study. AI raised monthly savings rates by 25% instead of the 10% rise in doing so from participants who traditionally managed finances. Moreover, the cost-cutting by AI of necessary expenses was 20%, and the investment returns were increased by 15% compared to the group that used traditional methods at 7%. Besides, 78% of AI users they had reached their financial goals, while only 55% of traditional users managed. User satisfaction of AI tools has been found to be the highest at 88% of very easy to use, with further 92% of people who really did find the tools useful. AI users spend less than half the time of traditional methods (15 minutes per week to 40 minutes) with little time savings for the traditional. Additional qualitative information indicates that AI users had a clearer picture of what was going on financially and that behavior modification reek of reveals the fact that income level, level of usage of the tool, and financial literacy are the significant determiners of effectiveness and satisfaction. The study appreciates the enabling of AI to broaden the access to high-quality financial management tools and suggests certain further issues such as long-term effects,AI-based personal finance tools, which thus far had a phenomenal success in bringing about financial improvement, and which produced a higher level of satisfaction compared to the traditional mediums. It has been concluded by the experiments that AI is the right tool to improve the skills and the outcomes of one's personal finance.

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Mohit Jain & Arjun Srihari (December-2024). AI DRIVEN PERSONAL FINANCE MANAGEMENT TOOLS. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 9(12), b822-b831. https://ijnrd.org/papers/IJNRD2412187.pdf

Volume 9 Issue 12, December-2024

Pages : b822-b831

Paper Reg. ID: IJNRD_302697

Published Paper Id: IJNRD2412187

Research Area: Science and Technology

Author Type: Foreign Author

Country: APT 204, Illinois, United States

Published Paper PDF: https://ijnrd.org/papers/IJNRD2412187.pdf

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