ISSN2320-2882
Impact Factor9.17
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CrossRefDOI
ESTD2013
Peer ReviewTransparent
AccessOpen
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Paper Title
AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance
Authors
Priyanka Bolinjkar , Om Mishra , Aman Mishra , Kulraj Chauhan
Keywords
AI-driven finance, Robo-advisory, Personalized financial guidance, Explainable AI, Financial technology, Decision support.
Abstract
In today's complex financial environment,
individuals often struggle to access transparent and
personalized financial guidance. Traditional advisory services
are expensive and biased, while digital tools lack adaptability to
user needs. This paper presents an AI-Driven Robo-Advisory
System that delivers customized financial advice using user data
such as income, goals, and spending behavior. The system
applies artificial intelligence to generate explainable and data-
backed recommendations for budgeting, saving, and investing
through an interactive text-based interface. Testing and user
feedback show that the prototype enhances trust, usability, and
decision-making efficiency compared to conventional solutions.
The proposed system contributes to financial literacy and sets
the foundation for future integration of predictive analytics, live
financial data, and multilingual interaction.
Full Paper, Downloads & Preview
How To Cite
Choose the style your journal or department asks for, then copy it. Every version below is generated from this paper's own record.
IJCRT — journal style
"AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.13, Issue 11, page no.h165-h171, November 2025, Available :https://ijcrt.org/papers/IJCRT2511843.pdf
APA — 7th edition
Bolinjkar, P., Mishra, O., Mishra, A., & Chauhan, K. (2025). AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance. International Journal of Creative Research Thoughts, 13(11), h165-h171. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2511843
MLA — 9th edition
Bolinjkar, Priyanka, et al. "AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance." International Journal of Creative Research Thoughts, vol. 13, no. 11, 2025, pp. h165-h171, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2511843.
Chicago — 17th, bibliography
Bolinjkar, Priyanka, et al. "AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance." International Journal of Creative Research Thoughts 13, no. 11 (2025): h165-h171. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2511843.
Harvard — author–date
Bolinjkar, P. et al. (2025) 'AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance', International Journal of Creative Research Thoughts, 13(11), pp. h165-h171. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2511843
IEEE — numbered reference
P. Bolinjkar, O. Mishra, A. Mishra and K. Chauhan, "AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance," IJCRT, vol. 13, no. 11, pp. h165-h171, Nov. 2025.
Vancouver — biomedical
Bolinjkar P, Mishra O, Mishra A, Chauhan K. AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance. IJCRT. 2025 Nov;13(11):h165-h171.
AMA — 11th edition
Bolinjkar P, Mishra O, Mishra A, Chauhan K. AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance. IJCRT. 2025;13(11):h165-h171. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2511843
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2511843,
author = {Priyanka Bolinjkar and Om Mishra and Aman Mishra and Kulraj Chauhan},
title = {AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance},
journal = {International Journal of Creative Research Thoughts},
volume = {13},
number = {11},
pages = {h165-h171},
year = {2025},
month = {November},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2511843}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Bolinjkar, Priyanka
AU - Mishra, Om
AU - Mishra, Aman
AU - Chauhan, Kulraj
TI - AI-Driven Robo-Advisory for Transparent, Personalized Financial Guidance
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 13
IS - 11
PY - 2025
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2511843
SP - h165-h171
ER -
Issue
Volume 13 Issue 11,
November-2025
Pages : h165-h171
Article Information
- Published In
- International Journal of Creative Research Thoughts — Volume 13, Issue 11, November 2025
- Pages
- h165-h171
- Published
- November 2025
- Registration ID
- IJCRT_296486
- Published Paper ID
- IJCRT2511843
- Research Area
- Science and Technology
- Author Type
- Indian Author
- Location
- Mumbai, Maharashtra, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 157
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2511843
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2511843.pdf
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International Journal of Creative Research Thoughts
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2320-2882
ISSN
9.17
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2013
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No external funding was received for this study.
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Acknowledgements
The authors would like to thank the reviewers and the editorial board of International Journal of Creative Research Thoughts for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
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