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The Future of Personal Finance: Artificial Intelligence, Machine Learning, and Big Data

The Future of Personal Finance: Artificial Intelligence, Machine Learning, and Big Data
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Author(s): Komal Akram Akram Khan (Iqra University, Pakistan)
Copyright: 2026
Pages: 18
Source title: Emerging Trends and Innovations in Financial Services: A Futurology Perspective
Source Author(s)/Editor(s): Muhammad Ali (Taylor's University, Malaysia), Syed Ali Raza (Iqra University, Pakistan)and Chin-Hong Puah (Universiti Malaysia Sarawak, Malaysia)
DOI: 10.4018/979-8-3693-7160-2.ch009

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Abstract

The rise of Artificial Intelligence, Machine Learning, and Big Data has resulted in a revolutionary shift in personal finance. The technologies leading this revolution have the potential to redefine financial strategies, bringing about a new era of accurate decision-making and well-informed decisions. Amid an ever-expanding landscape of data generation and consumption, individuals increasingly seek innovative methods to efficiently manage their finances. These technologies have emerged as powerful tools, providing exceptional capabilities for data forecasting, analysis, and decision-making. The primary emphasis of the paper is to comprehend how these technologies are set to revolutionize personal finance by allowing individuals to make more informed financial decisions, optimize investments, and diminish risks. It adds to the academic literature by synthesizing existing knowledge and provides individuals with helpful recommendations on finances using these technologies. Financial institutions can learn how to enhance customer experiences, streamline operations, and improve security.

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