Transforming Personal Finance Through AI-Based Solutions: Revolutionizing Financial Decision- Making

Artificial Intelligence (AI) is reshaping industries, with personal finance becoming a notable area of innovation. Smart finance tools powered by AI are enabling users to streamline money management, from monitoring expenses to optimizing investments. Combining machine learning, NLP, and data analytics, these platforms deliver tailored guidance and automation, significantly improving users’ financial understanding and choices. This paper explores the development, application, benefits, and challenges of AI driven personal finance management tools, focusing on their impact on financial behaviour and the future of financial management.