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@article{195773,
        author = {Kundanika Bombay and Sai Sujith Chitturi and S. Shiva Jyothi and T. Mani Venkat},
        title = {AI Driven Financial Planning for small and medium enterprises},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {1083-1090},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=195773},
        abstract = {Small and Medium Enterprises survive with limited presence, and I have heard that the majority of the owners continue to struggle with such things as loan applications or even simple financial planning. Their financial exposure does not sit well in their grasp. There are some tools in place kathabook or simple spreadsheets but it is frozen and hardly leaves room to expand. That way most SMEs wind up in a stagnant state awaiting a sharper instrument to detect the risk of credit, map out cash-flow scenarios or even put decisions in place before a problem crops up. This is where predictive analysis is based on machine learning steps and provides a mechanism to read patterns that humans would otherwise overlook and possibly cause a shift in what used to be considered fixed.},
        keywords = {MSME, Artificial Intelligence, Financial Planning, Machine Learning, Credit Risk, Cash Flow Forecasting, Predictive Analytics, Decision Support System.},
        month = {April},
        }