International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 7, Issue 4 (July-August 2025) Submit your research before last 3 days of August to publish your research paper in the issue of July-August.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 7 Issue 4
July-August 2025

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

Role of AI-Based Budgeting Tools in Promoting Financial Discipline Among University Students

Author(s) Ms. Shruti Shukla
Country India
Abstract With financial independence increasingly becoming an important factor in the lives of students, most university students are still struggling to manage budgets, spendthrift, and futuristic financial planning. Rising incorporation of Artificial Intelligence (AI) in the field of personal finance is a chance to solve these problems using flexible and personally oriented budgeting tools. The research uses a non-randomized post-test pre-test, quasi-experimental control group design to reveal how AI-based budgeting applications help make university students more financially disciplined (examples include Mint, YNAB, and GPT-based platforms). A stratified random selection of first and second level university and post graduate students was done and measured to gauge the difference in effect of AI driven interventions against conventional budgeting techniques. By making financial behavior operational by means of validated scales and well-structured interventions the study will attempt to assess the impact of AI tools on practically based financial decision-making. The research can add to the growing field on digital financial literacy, and it can give implications on how student support systems with an emphasis on technologies should be designed in institutions of higher learning.
Keywords AI-Based Budgeting Tools, Financial Discipline, Budgeting Tools in Higher Education, Digital Financial Literacy
Published In Volume 7, Issue 3, May-June 2025
Published On 2025-06-30
View / Download PDF File

Share this



E-ISSN 2582-2160
CrossRef

CrossRef DOI is assigned to each research paper published in our journal.

IJFMR DOI prefix is
10.36948/ijfmr

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 7 Isu 3Cover Page Vol 7 Isu 2Cover Page Vol 7 Isu 1

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJFMR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Publication Ethics
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Reviewer Referral Program
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us +91-9687-828-838 editor@ijfmr.com