Authors:
V. Mruthun, D. Yogitha, S. Sajini, Dang Van My, Mohd Abdullah Al Mamun, Tsai Yi-Chun
Addresses:
Department of Computer Science and Engineering in Artificial Intelligence and Machine Learning, SRM Institute of Science and Technology, Ramapuram, Chennai, Tamil Nadu, India. Department of Computer Science and Engineering in Big Data Analytics, SRM Institute of Science and Technology, Ramapuram, Chennai, Tamil Nadu, India. Department of Computer Science and Engineering, SRM Institute of Science and Technology, Ramapuram, Chennai, Tamil Nadu, India. Department of Marketing, University of Finance –Marketing, Ho Chi Minh City, Vietnam. Department of Business Administration, International American University, Los Angeles, California, United States of America. Department of Trading, Jade Island Trading, Chiayi, Taiwan.
Abstract:
Young adults aged 18 to 30 have a different mindset regarding spending․ Unintentional spending of money in digital payments (UPI, Credit card payment) is instantaneous․ Cost tracking requires typing, linking up your bank accounts, or a photo of your receipt․ It could be with no feedback to you or even face-to-face. FinAI is a conversation, not just an application, regarding data privacy. Security is not a selling point. FinAI automates banking tasks by scanning messages for receipts and signals from your transaction history without leaving your phone. This program automatically categorizes your purchases and tracks the most frequent icons from your bank or store transactions. Behind the scenes, it tracks your spending patterns from childhood, monitors cash flow, and alerts you when you hit a limit. The literature explains how tools shape consumer needs, while the architecture explains how FinAI selects SMSes and Gmail, using local models and security layers instead of cloud servers. Initial user testing indicates strong performance in independent financials. Young users are the early winners, and testing shows strong results without external servers. The functionality is narrowly focused on what's needed․
Keywords: Personal Finance; Young Adults; Digital Payment; Unintentional Spending; Cost Tracking; Local Models; Security Layers; Independent Financials; User Testing; External Servers.
Received on: 04/04/2025, Revised on: 15/06/2025, Accepted on: 02/08/2025, Published on: 05/06/2026
DOI: 10.64091/ATITP.2026.000332
AVE Trends in Intelligent Technoprise Letters, 2026 Vol. 3 No. 2 , Pages: 66-76