Build a Financial Management Tool that assists individual and businesses

Abstract

The growing use of AI, machine learning, and ethical standards in the financial technology sector holds great promise for improving how people manage their finances and financial trends. This paper presents an approach that brings together advanced AI tools with responsible practices to improve financial understanding, increase the accuracy of financial predictions, and address ethical challenges. By using AI-driven business models, and finance prediction methods, and clear ethical guidelines, these study use to build trust and promote management of resources in finance, made a great impact in fintech by improving the way data is analyzed, predictions are made, The paper proposes a framework that blends human judgment with AI tools to strengthen decision- making, reduce risks, and improve customer experiences. The research looks into how AI influences key areas such as trading, fraud detection, and financial advice, while ensuring transparency and ethical behavior. Through real-life examples and simulations, the proposed framework shows potential for improving the effectiveness and growth of the fintech industry.