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@article{187717,
        author = {Pratik Santosh Sawant and Shubham Sukhadare and Ronak Suryawanshi and Atharva Shirgaonkar},
        title = {SMART CA : An Explainable Financial Assistant},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {6},
        pages = {7198-7202},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=187717},
        abstract = {Smart CA is an AI-driven financial advisory platform tailored for India’s non-salaried workforce (freelancers, gig workers, small businesses) in Tier 2/3 cities. Unlike basic bookkeeping tools, it provides actionable guidance by automating data entry, financial analysis, and compliance advice. Key features include secure user logins, receipt OCR ingestion, ML-based transaction categorization, income volatility detection, audit-risk alerts, cash-flow forecasting, tax estimation, and explainable AI insights. The system uses a modern microservices-based architecture: a React/Tailwind web frontend communicates with a Python/Flask backend and a Supabase (PostgreSQL) database. In tests with representative data, Smart CA successfully identified irregular income patterns and red-flagged filing risks, while users praised the clear “Why?” explanations attached to each insight. Smart CA thus democratizes financial expertise, helping underserved workers manage irregular earnings and compliance.},
        keywords = {Artificial Intelligence (AI), Explainable AI (XAI), FinTech, OCR, Receipt Understanding, Random Forests, Time-Series Forecasting, Gig-worker Financial Advisory.},
        month = {November},
        }