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Journal articles on the topic 'Personal finance'

Author: Grafiati

Published: 4 June 2021

Last updated: 25 July 2025

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1

van Deventer, Marko. "African Generation Y students’ personal finance behavior and knowledge." Investment Management and Financial Innovations 17, no. 4 (2020): 136–44. http://dx.doi.org/10.21511/imfi.17(4).2020.13.

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Personal financial management is important, given uncertainties in both financial and economic environment. However, published research on African Generation Y students’ personal finance behavior and knowledge is limited. This study aimed to evaluate African Generation Y students’ personal finance behavior in terms of their attitudes towards financial planning and whether this cohort believes that they have the skills to manage their finances successfully. In addition, this study sought to evaluate African Generation Y students’ knowledge regarding personal finance. A convenience sample of 500

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2

Rajesh, RJ, and KV Giridhar. "Financial Literacy and Personal Financial Management: Smart Moves Towards Personal Finance." Shanlax International Journal of Arts, Science and Humanities 12, S1-Oct (2024): 62–67. https://doi.org/10.34293/sijash.v12is1-oct.8285.

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Financial literacy and personal financial management have become integral parts of everyone’s life. Financial literacy is the basic knowledge, skills, behaviour, and attitude towards finance. Personal finance includes income, savings, expenses, investments, and financial protection for the person or family. Personal financial management means effective management of personal finances. There is a necessity of financial literacy for everybody to manage their personal finances. In this backdrop, this paper deals with linkage between financial literacy and personal financial management, and also d

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Bandi, Vedang, Shivam Dagadu, Vedant Dal, Geeta Rautela, and Mrs Neha Kale. "OPTIMUM FINANCE - PERSONAL FINANCE MANAGEMENT USING LLM." International Journal of Engineering Applied Sciences and Technology 09, no. 11 (2025): 62–66. https://doi.org/10.33564/ijeast.2025.v09i11.010.

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Optimum Finance is an advanced personal finance management platform designed to help users effectively manage their finances through an intuitive web interface. It enables users to track income, expenses, and savings goals, fostering financial stability and growth. Key features include income and expense tracking, recurring transaction support, and personalized budgeting tools for better financial decision-making. The platform offers financial analytics through interactive charts and graphs, helping users identify spending patterns and monitor their financial health. Users can set and track sa

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Basha, Mr Md Chan. "Personal Finance Management." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50574.

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Abstract - Effective personal finance management is essential for individuals seeking to achieve financial stability, control expenditures, and meet long-term goals. This paper presents the development of a personal finance management system designed to assist users in tracking income, expenses, and savings through an intuitive digital platform. The methodology involves implementing a structured database, automated categorization of transactions, and interactive dashboards for financial visualization. The system incorporates budgeting tools, alerts for overspending, and goal-setting features t

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A, Vishwas, Divyanshu Kumari, Pradeep S, et al. "Mechanics of Finance- Personal Finance advisory firm: “Finance Friend”." International Journal for Research in Applied Science and Engineering Technology 10, no. 12 (2022): 1985–86. http://dx.doi.org/10.22214/ijraset.2022.48396.

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Abstract: The purpose of this study is to understand the importance of personal finance planning to be financially sound and well equipped for the uncertainty. According to the findings of this study, the ignorance of personal finance is to the pinnacle. This isn't just to set up family spending plan yet additionally to save, contribute as well as plan for our retirement. The meaning of financial management, its significance, the steps that each person can take to plan and manage their finances, and the awareness of financial management are all discussed in this writing. In addition to educati

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Rodina, Larisa A., and Lilia V. Zavyalova. "Personal finance management in modern conditions." Herald of Omsk University. Series: Economics 18, no. 4 (2020): 36–47. http://dx.doi.org/10.24147/1812-3988.2020.18(4).36-47.

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The article is devoted to the practical aspects of personal finance management in the context of the transition to digital transformation of the economy. The need to pay attention to this aspect is due to both new opportunities for managing personal finances based on digitalization tools, and the risks of unauthorized access to them using cybernetic means. Summarizing the main sources of threats to personal finance in the context of digitalization is aimed at preventing fraudulent activities and ensuring the protection of financial information carriers. First of all, in a preventive manner, it

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7

Andrews, Brett K. "Teaching Personal Finance." Journal of Ministry Marketing & Management 6, no. 1 (2000): 11–18. http://dx.doi.org/10.1300/j093v06n01_02.

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Mushtaq, Aimen, Ranvitha Chirumamilla, Pranav Kadiyala, et al. "Transforming Personal Finance Coaching through Artificial Intelligence." International Journal of Engineering and Computer Science 13, no. 11 (2024): 26607–18. http://dx.doi.org/10.18535/ijecs/v13i11.4929.

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Artificial intelligence (AI) has bloomed in recent years and is gradually becoming an irreplaceable asset in finance,among other sectors. Personal finance is a subset of finance, which too is being revolutionized due to changing timesand technological advancements, much like AI. Security and proper financial guidance have never been moreimportant with such significant change. In this study, we use FinBERT, a modern large language model specializedin the financial domain, for our AI-powered personal finance coach. However, FinBERT, although a cut above therest, still has room for growth, so we

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9

Suvarna, Megha. "Financely: Personal Finance Tracker Revolutionizing your Financial Journey." International Journal of Scientific Research and Engineering Trends 10, no. 5 (2024): 2317–22. http://dx.doi.org/10.61137/ijsret.vol.10.issue5.296.

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10

Mwarangu, Fatuma, and Dominic Ngaba. "Job Experience and Personal Financial Management Among Finance Managers of Insurance Companies in Kenya." Journal of Finance and Accounting 2, no. 1 (2022): 1–9. http://dx.doi.org/10.70619/vol2iss1pp1-9.

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Personal finance management is important so that people can manage personal finances and make informed financial and economic decisions. People with weak personal financial abilities are vulnerable to financial stress, which can harm their physical and mental health. The purpose of this study was to establish the relationship between job experience and personal financial management among finance managers of insurance companies in Kenya. The study adopted a descriptive research design and targeted finance managers from 53 licensed insurance companies in Kenya. Data was collected using a questio

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Presnyakova, Darya V., Vladimir N. Galitskikh, and Andrey A. Presnyakov. "PERSONAL FINANCE MANAGEMENT USING INSURANCE AND INVESTMENT." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 2/5, no. 143 (2024): 112–17. http://dx.doi.org/10.36871/ek.up.p.r.2024.02.05.013.

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The current life situation forces a person, family, entrepreneur to pay attention to their own income and expenses, so the task arises to effectively manage personal finances. This category is quite important and occupies a special place in the life of a person and his family, since determining the optimal ways to manage personal finances allows you to increase well-being. The tasks of the subjects of personal finance management are considered to reduce current cash expenditures, increase income through economic activities and conduct typical financial calculations to determine the budget. The

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Tika Handayani, Rifky Lana Rahardian, Eva Yuniarti Utami, Apriani Riyanti, and Ahmad Rizani. "Fintech Analysis of Personal Finance App Usage among Millennials." Journal of Economic Education and Entrepreneurship Studies 5, no. 2 (2024): 150–62. http://dx.doi.org/10.62794/je3s.v5i2.2299.

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This study aims to analyse the influence of Fintech on the use of personal finance applications in the millennial generation. The research method used in this study is the survey method. The survey was conducted using a questionnaire distributed to millennial respondents who use personal finance applications. The data collected through the survey will be analysed quantitatively to identify usage trends, feature preferences, and the impact of personal finance apps on individual financial behaviour. The results show that millennials have a high adoption rate of personal finance apps. They tend t

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13

DUBEY, PRIYANSHU. "Fintrack (Personal Finance Tracker)." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem34937.

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Fintrack is a comprehensive personal finance tracker designed to empower people to take control of their financial well-being. This summary provides an overview of Fintrack's main functions, features and potential impact on personal financial management. Fintrack provides its users with a centralized platform to track and manage their finances easily and efficiently. The platform allows users to add their financial accounts, including bank accounts, credit cards, loans and investments, providing a holistic view of their financial situation. With Fintrack, users can easily categorize transactio

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14

Marshall, Paul S., and Larry R. Lang. "Strategy for Personal Finance." Journal of Risk and Insurance 57, no. 2 (1990): 361. http://dx.doi.org/10.2307/253317.

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15

Hernwall, Patrik, and Inga-Lill Söderberg. "Elevers förståelse av grundläggande privatekonomiska principer – implikationer för undervisning i HKK." Forskning om undervisning och lärande 7, no. 2 (2019): 111–36. http://dx.doi.org/10.61998/forskul.v7i2.27280.

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Ämnet hem- och konsumentkunskap (HKK) bär ansvaret för undervisning i privatekonomi. Detta till trots saknas kunskap om hur elever förstår grundläggande privatekonomiska principer. Med utgångspunkt i en serie om tre workshoppar på tre skolor med totalt 191 elever har tematisk analys använts för att besvara frågeställningen ”Hur förstår elever, i årskurserna 4 till 6, privatekonomi?”. Artikeln visar att elevers förståelse av ekonomi generellt och villkoren för undervisning om ekonomi specifikt är sparsamt beforskat. Genom att relatera den empiriska studien till HKK-ämnet konstateras att det fin

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16

Rajitha, Akula. "Smart Personal Finance Tracker for Efficient Money Management." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem49883.

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Abstract: Personal finance management is crucial for financial independence in the long run. This project includes a web-based Personal Finance Tracker developed with HTML, CSS, and JavaScript. The software lets users track their income, expenditures, and savings through an easily accessible interface. The main functions are transaction grouping, budgetary goal setting, and financial reporting through charts and summary reports. The app is intended to be reachable on multiple devices with no extra software installation. This research also examines the impact of tracking digital finance on user

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17

Jakupi, Shefket Zeqir, and Besart Hajrizi. "Personal Finances’ Planning and Management as means for a Successful Family Life." International Journal of Management Excellence 10, no. 1 (2017): 1235–40. http://dx.doi.org/10.17722/ijme.v10i1.951.

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Abstract Studying personal finances helps avoiding financial difficulties and the use of financial opportunities to provide a chance for a successful family life. Personal finance is based on studying the financial resources of the family, which are considered important in the pursuit of financial success, that is, how people spend, save, protect and invest their money in everyday life. Personal finance is linked to these key concepts: financial responsibility, financial success and financial satisfaction, addressed in four key issues namely: Saving, Borrowing, Insurance and Investing.&#

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18

Ilchenko, Aleksander A. "FINANCIAL CONSULTING AS A FACTOR IN THE DEVELOPMENT OF THE FINANCIAL MARKET." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 12/2, no. 153 (2024): 121–31. https://doi.org/10.36871/ek.up.p.r.2024.12.02.013.

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The paper characterizes the theoretical foundations of financial consulting in personal finance management and its significance in the financial life of households in the country. Data on income and expenses of the population by deciles groups, as well as the structure of financial assets have been presented. A weak contribution of personal finances to the development processes of the financial market under conditions of unstable economic growth has been identified. The range of services for managing personal finances and conducting operations with financial instruments provided by financial i

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19

Hrytsenko, Кostiantyn, Elina Shramko, and Avhusta Hrytsenko. "Development of a web-oriented system for accounting and analysing personal finances." Economic Analysis, no. 34(3) (2024): 301–11. https://doi.org/10.35774/econa2024.03.301.

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Introduction. Traditional methods of accounting and analysing personal finances are ineffective for the challenges of the modern world, which leads to the need to find innovative solutions. Web-oriented systems offer such solutions. They provide access to up-to-date financial information and automate the processes of accounting, analysing and planning, which generally improves the efficiency of personal finance management. Implementing digital technologies in managing personal finances improves the digital and financial literacy of the population and contributes to the development of the digit

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20

Чечетова Н. Ф. та Чечетова-Терашвілі Т. М. "ФІНАНСОВА ГРАМОТНІСТЬ ЯК ЗАПОРУКА УСПІХУ УПРАВЛІННЯ ОСОБИСТИМИ ФІНАНСАМИ". World Science 2, № 10(50) (2019): 14–20. http://dx.doi.org/10.31435/rsglobal_ws/31102019/6725.

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   The article deals with the problem of ensuring the financial literacy of the population as a key to the success of managing personal finances. The results of sociological research are analyzed, which confirm the low level of financial literacy and competence of the population of Ukraine in the sphere of personal finance. It also looks at possible investment decisions regarding the use of personal finance and the risks associated with such decisions. International experience confirms that improving financial literacy can only be achieved through the implementation of a comp

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21

Li, Geng. "Gamblers as Personal Finance Activists." Finance and Economics Discussion Series 2012, no. 18 (2012): 1–53. http://dx.doi.org/10.17016/feds.2012.18.

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22

Raina, Oshin, Sakshi Mishra, and Prof Santoshi Pote. "Personal Finance Application- GROW MORE." International Journal for Research in Applied Science and Engineering Technology 10, no. 5 (2022): 271–74. http://dx.doi.org/10.22214/ijraset.2022.42166.

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Abstract: The main purpose to create a personal finance app is to manage private money, track spendings, and plan out a budget. These apps are also known as Money Saving apps because it enables the app users to borrow, lend, and even invest money. Personal budget management is a finance plan that allocates future personal income towards expenses, savings, and debt repayment. Past spending and personal debts are considered when creating a personal budget. Budgeting is the most basic and effective tool for managing our monthly income. But most people avoid doing it because they think keeping a r

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23

Tang, Yih Pin. "COVID-19 and personal finance." Accounting, Auditing & Accountability Journal 35, no. 2 (2022): 576. http://dx.doi.org/10.1108/aaaj-02-2022-146.

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Maksimov, Ivan Sergeyevich. "INFLATIONARY LOSSES OF PERSONAL FINANCE." Economy. Business. Computer science, no. 3 (January 1, 2016): 97–105. http://dx.doi.org/10.19075/2500-2074-2016-3-97-105.

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Daily, Joshua, R. Thomas Collins, and Elijah Bolin. "Personal Finance for Pediatric Trainees." Clinical Pediatrics 56, no. 4 (2016): 313–15. http://dx.doi.org/10.1177/0009922816669789.

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Hudson, Robert, and Yaz Gulnur Muradoglu. "Personal routes into behavioural finance." Review of Behavioral Finance 12, no. 1 (2020): 1–9. http://dx.doi.org/10.1108/rbf-12-2019-0176.

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PurposeThe paper aims to provide the individual routes of the authors into behavioural finance in order to introduce the special issue.Design/methodology/approachThe paper provides the background to the authors' personal route into behavioural finance.FindingsThe paper highlights general themes of development and influence of behavioural finance and relationships with practice and other areas of academic finance.Originality/valueThe paper offers the perspectives of the authors on how they feel the research area of behavioural finance will develop in the future.

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Rietz, Robert, Michael Maves, Frederick Pevow, L. B. Tubergen, and Cedric Quick. "Understanding Basic Personal Finance Terminology." Otolaryngology–Head and Neck Surgery 112, no. 5 (1995): P87. http://dx.doi.org/10.1016/s0194-5998(05)80203-7.

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Robinson, C. "The sociology of personal finance." Financial Services Review 7, no. 3 (1998): 161–73. http://dx.doi.org/10.1016/s1057-0810(99)00008-6.

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Bacheva, Snejana. "Current research on personal finance." Economic Thought journal 63, no. 4 (2018): 144–46. http://dx.doi.org/10.56497/etj1863405.

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In recent years, not only globally, but also in Bulgaria, the interest in personal finance has grown significantly. In this regard, the first Bulgarian book on this topic has recently been published, authored by Associate Professors Daniela Bobeva and James Iolovski. Although it is intended for students, the combination of a well-presented theoretical basis with a rich practical presentation makes it both useful and easily accessible to a wide range of readers. The relevance of the book for Bulgaria is related to three main problems: the low financial literacy of the population; the fragmented

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Mohammed Abid, Syed Najam, and Sumrana Tabassum. "Personal Finance Assistant With AI." International Journal of Information Technology and Computer Engineering 13, no. 2s (2025): 477–83. https://doi.org/10.62647/ijitce2025v13i2spp477-483.

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In today's digitally driven and fast-pacedworld, effectively managing personal finances hasbecome increasingly complex due to diverse incomestreams, fluctuating expenses, and the need forinformed financial planning. This project proposesthe development of an AI-powered PersonalFinance Assistant that empowers users to take fullcontrol of their financial well-being by intelligentlytracking expenditures, managing budgets, settingsavings goals, and offering personalized investmentinsights. Leveraging the capabilities of NaturalLanguage Processing (NLP) and Machine Learning(ML), the system analyzes

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Ginavičienė, Jurgita, and Indrė Sprogytė. "AN ASSESSMENT OF TRANSPORT LOGISTICS STUDENTS’ PERSONAL FINANCE AND THEIR PERSONAL FINANCE MANAGEMENT SKILLS." SOCIETY. INTEGRATION. EDUCATION. Proceedings of the International Scientific Conference 1 (May 19, 2022): 57–66. http://dx.doi.org/10.17770/sie2022vol1.6868.

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Knowledge about personal finance, economics’ expression understanding, ability to manage own money are important nowadays. The main aim of this research is to compare the Transport Logistics students’ personal finance management skills during the Covid-19 pandemic. The respondents were 197 Transport Logistics students of Vilnius College of Technologies and Design. They filled out an electronic demographic data form online and evaluated their personal financial management skills. Results of the research showed students earnings are to 440 EUR per month. Their amount per month was more than 440

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Vihtelic, J. "Personal finance: an alternative approach to teaching undergraduate finance." Financial Services Review 5, no. 2 (1996): 119–31. http://dx.doi.org/10.1016/s1057-0810(96)90005-0.

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Kusumadyahdewi, Kusumadyahdewi. "PENGETAHUAN KEUANGAN DI KALANGAN MAHASISWA." J-PIPS (Jurnal Pendidikan Ilmu Pengetahuan Sosial) 2, no. 2 (2016): 118. http://dx.doi.org/10.18860/jpips.v2i2.6839.

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Currently, variety of banking products to facilitate customer transactions. So it is important to know about the knowledge of finance, including financial products. This research measures the student's understanding on financial knowledge consists of knowledge of personal finance, savings and loans, insurance, investment. The student has followed the course of accounting and financial management largely discusses financial firms, but researchers always explains its application to personal finances when teaching the subject. Measurement of the level of knowledge using questionnaires, then measu

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Putri, Anike, Ghea Nofayza, Widi Dwi Aditia Putra, and Delia Arofah. "Pemahaman Dasar Keuangan Untuk Pengoperasian Aplikasi Buku Warung." Jurnal Bhakti Karya dan Inovatif 3, no. 1 (2023): 7–11. http://dx.doi.org/10.37278/bhaktikaryadaninovatif.v3i1.579.

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For MSMEs, several steps can be taken in order to manage finances well, namely starting to separate personal and business finances, and starting simple bookkeeping. If MSMEs are able to separate personal finance from business finance, and have bookkeeping or administrative management (business finance), MSMEs can try to make financial planning in a simple way. By separating personal and business financial records, owners can more easily manage their business finances. This is because the accuracy of business financial records can influence decision making and evaluate business performance. Mix

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Imam, Synthia, Alberto Ibañez Fernandez, Gyanendra Singh Sisodia, Juan Antonio Jimber del Río, and Ahmed Al Radaideh. "Emotional Intelligence and Personal Finances in the Academic Curricula: A Critical Analysis of Their Potential Synergies." Asian Culture and History 14, no. 1 (2022): 6. http://dx.doi.org/10.5539/ach.v14n1p6.

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The research addresses two major topics, Emotional Intelligence and Personal Finance, and the need to be permanently included in the academic curricula. The purpose of the paper consists in raising awareness within the teaching community on the relevance of these two topics for the personal and professional development of students. Furthermore, the research identifies the potential positive synergies between emotional intelligence and personal finances for students when both subjects are included in the academic curricula. The study proposes several conceptual findings via the literature revie

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Musiał, Marta. "Zastosowanie instrumentów zarządzania finansami osobistymi w polskich gospodarstwach domowych." Kwartalnik Kolegium Ekonomiczno-Społecznego. Studia i Prace 4, no. 3 (2015): 233–43. http://dx.doi.org/10.33119/kkessip.2015.4.3.16.

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One of the most important elements of managing personal finances is collectionof data needed for the analysis of household’s financial situation. The mostpopular personal finance management tools include financial statements (balancesheets and cash flows) and household budget. The purpose of this article isto determine how Polish households use the basic personal finances management tools. The article will characterize the tools and present the results of primarystudies concerning the use of these tools by Polish households.

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Walstad, William B. "Economic Understanding in US High School Courses." American Economic Review 103, no. 3 (2013): 659–63. http://dx.doi.org/10.1257/aer.103.3.659.

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The effects of courses on student achievement are studied using 2006 data from the National Assessment of Educational Progress (NAEP) in economics. A regression analysis showed expected and significant achievement differences by course, with the highest scores in advanced economics, followed by general economics. Courses in business and personal finance were not substitutes for advanced or general economics courses. A probit analysis showed that students taking economics courses relative to personal finance courses are significantly more likely to think their courses helped them understand the

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Gumanti, Dessyta, Salman M. Noer, Reni Respita, et al. "Meningkatkan Personal Finance Management Siswa SMA PGRI 2 Padang." Journal of Community Service and Society Empowerment 3, no. 02 (2025): 146–55. https://doi.org/10.59653/jcsse.v3i02.1735.

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Personal finance management is very important, especially for the younger generation such as students, for their future. However, in reality, there are still many students who do not understand how to manage finances effectively. Community service activities are carried out for students of SMA PGRI 2 Padang with the hope that students will be able to manage their personal finances from an early age. This activity is carried out through a series of workshops and interactive discussions that involve students in activities based on good financial planning and management. Through a simple and prac

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Hite, Nancy Groneman, Thomas Edwin Slocombe, Barbara Railsback, and Donald Miller. "Personal Finance Education in Recessionary Times." Journal of Education for Business 86, no. 5 (2011): 253–57. http://dx.doi.org/10.1080/08832323.2010.511304.

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Appleyard, Lindsey, and Sally Dibb. "Responsible personal finance: Three fundamental questions." Social Business 8, no. 1 (2018): 57–63. http://dx.doi.org/10.1362/204440818x15208755029564.

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Suroso, Agus, Ascaryan Rafinda, Timea Gal, and Osama Alhendi. "Primary Personal Finance Problem in Indonesia." SHS Web of Conferences 86 (2020): 01026. http://dx.doi.org/10.1051/shsconf/20208601026.

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The main objective of this research is to find out primary personal finance problem in Indonesia. A lot of people do not realize that they need financial knowledge to make financial decision. It leads to bounded rationality when they do the financial decision. Financial problem commonly not different years by years, then by collection financial problem this research could spread and warn other people not to fall into same problem. This research collecting data by questionnaire. Total 360 respondent fill in the questionnaire. The result successfully identify there are several topics in personal

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42

Greene, Arin K., and Mark Puder. "A resident’s guide to personal finance." Current Surgery 59, no. 4 (2002): 423–25. http://dx.doi.org/10.1016/s0149-7944(02)00647-5.

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Martins, Russell Seth, Kostantinos Poulikidis, and Faiz Y. Bhora. "Personal Finance Wellness for New Attendings." Thoracic Surgery Clinics 34, no. 1 (2024): 25–31. http://dx.doi.org/10.1016/j.thorsurg.2023.08.002.

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Rodríguez-Granados, Edder Jair, Guillermo Urriolagoitia-Sosa, Jacobo Martínez-Reyes, Beatriz Romero-Ángeles, Guillermo Manuel Urriolagoitia-Calderón, and Yonatan Yael Rojas-Castrejon. "PERSONAL FINANCE AND INVESTMENTS IN MEXICO." Journal of Engineering Research 4, no. 3 (2024): 2–9. http://dx.doi.org/10.22533/at.ed.3174324150110.

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Sarika, Pansare. "Personal Finance: Goals, Approach and Controlling." MERC Global's International Journal of Management 6, no. 4 (2018): 199–203. https://doi.org/10.5281/zenodo.7565151.

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Shelke, Aditi Arun. "Implementation on Personal Finance Management Advisor." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem46221.

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Abstract: This project aims to develop a web application that helps users make informed investment decisions by analyzing their budget and predicting the best investment opportunities across various fields, such as stocks, cryptocurrencies, precious metals (gold and silver), real estate, and government bonds.[1] The application uses advanced data analytics and machine learning algorithms to evaluate current market trends, historical performance, and risk factors associated with each investment category. When a user inputs their budget and financial preferences, the system provides personalized

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Kavitha, S., and S. Krishnan. "AI-based Personal Financial Management: Opportunities and Challenges." ComFin Research 13, S1-i2 (2025): 68–73. https://doi.org/10.34293/commerce.v13is1-i2.8737.

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AI powered tools are revolutionizing as they are hands free, automated, and data driven. AI allows individuals to track spending, investment management, and future goal achievement with little manual effort through numerous AI powered tools like machine learning algorithms, robo-advisors, and virtual assistants. AI enhances financial literacy, gives real time details, and sets personalised strategy targets to each and every individual through big data and predictive analytics. While AI-based Personal Financial Management offers various benefits, it facesome problems also. Majority of concerns

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Ameer, Rashid, and Robert Khan. "Financial Socialization, Financial Literacy, and Financial Behavior of Adults in New Zealand." Journal of Financial Counseling and Planning 31, no. 2 (2020): 313–29. http://dx.doi.org/10.1891/jfcp-18-00042.

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We used survey data from a cross-sectional New Zealand sample of adults to examine whether financial socialization and financial literacy are associated with their financial behavior. The results show different financial socialization experiences of adult males compared to adult females are associated with higher financial literacy and higher financial confidence. Adults with education in finance and economics had higher financial literacy and financial confidence in managing their personal finances. Furthermore, those with high self-assessed confidence in managing personal finance but low fin

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Vahlevi, Dewi Riza Lisvi. "Peningkatan Ekonomi Masyarakat Melalui Edukasi Literasi Keuangan Islam." Proceedings of Annual Conference for Muslim Scholars 6, no. 1 (2022): 1112–16. http://dx.doi.org/10.36835/ancoms.v6i1.452.

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Understanding of Islamic financial literacy should have been applied at least in personal finance, because when someone can manage finances well, it means that person has intelligence in managing personal finances. This article tries to explore how the process of educating the public about Islamic financial literacy in an effort to improve their economic level. Using the literature review method and field research, this article confirms that Islamic financial literacy plays an important role in improving the community's economy. In practice, Islamic financial literacy is really able to improve

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Alonso Burga-Morales, Julio, and Franklin Cordova-Buiza. "Exploring the relationship between financial education and personal finance management in Lima, Peru." Knowledge and Performance Management 9, no. 2 (2025): 18–29. https://doi.org/10.21511/kpm.09(2).2025.2.

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Promoting effective personal finance practices is crucial for individuals’ long-term financial well-being. Financial education equips people with the knowledge and skills to make informed decisions and achieve financial stability. This study investigates the relationship between financial education and personal finance among residents of Lima, Peru, a context characterized by limited financial inclusion and low literacy levels. The research followed a quantitative, cross-sectional, and correlational design. A validated questionnaire was administered to a random sample of 456 individuals aged 1

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