Leveraging AI for Intelligent Financial Decision-Making: Transforming Risk Management and Growth Strategies in India's Small Business Fintech Sector

Author(s)	Prof. Dr. Neelam Pandey
Country	India
Abstract	This paper looks at how AI helps small and medium businesses (SMEs) in India make smart money choices through fintech apps. It uses ready data from RBI, NASSCOM, World Bank, and other reports to check AI tools like fast credit scores from UPI and GST data, risk checks that cut bad loans by 40%, and growth plans that boost sales 30%. Old banks are slow with papers and help only 16% of 63 million SMEs facing a ₹35 lakh crore loan gap, but AI speeds loans to minutes and fits Digital India needs in places like Mumbai and Bhopal. Findings show urban wins with apps like Paytm, but rural gaps need fixes for fair use and privacy. The study ends with steps for RBI tests, training, and rules to grow jobs and self-reliance.
Keywords	AI, Fintech, SMEs, Risk Management, Credit Scoring, Growth Strategies, Digital India, UPI, GST, Neobanks
Field	Business Administration
Published In	Volume 8, Issue 2, March-April 2026
Published On	2026-03-20

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