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@article{195961,
        author = {Dr. MK Jayanthi Kannan and Kanak Kotnala},
        title = {Fina-Kal: Design and Implementation of an Agentic AI-Driven Smart Financial Platform for Automated Loan Processing and Intelligent Decision Support},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {2209-2222},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=195961},
        abstract = {Fina-Kal is a cloud-based AI platform that's here to make loan applications way easier. The system doesn't just automate the process; it streamlines everything — from chatting with applicants and collecting documents to admin approvals and EMI calculations. Applicants fill out a single, validated form, submit PDFs (like Aadhaar or PAN), and the platform checks everything for accuracy. Admins can dig deeper, review records, and add their own notes before giving the green light. Plus, admins can hand off responsibilities to others, so the process scales smoothly. The chatbot’s powered by Gemini AI, with a backup engine from Lovable. It's built on contextual memory and decision-tree logic, so it doesn’t get stuck repeating itself, and it manages to sound genuinely supportive. It checks details, creates loan-specific requirements, and pulls up repayment simulations on the fly. Depending on someone's income and credit score, Fina-Kal suggests loan options that fit — instead of just shutting people out. Interactive buttons and automated workflows move things along, sending user info straight to the admins. Put simply, Fina-Kal combines smart orchestration, document processing, and empathetic dialogue to transform digital loan services. People get answers faster, fairer reviews, and more accessible solutions. Fina-Kal is a cloud-based AI-driven financial platform designed to simplify and automate the loan application process. Traditional loan systems are often complex, time-consuming, and prone to inefficiencies due to manual verification and fragmented workflows. The proposed system integrates Agentic AI, document intelligence, and conversational interfaces to streamline the end-to-end loan lifecycle. Applicants interact with an AI-powered chatbot that guides them through form submission, document upload, and eligibility verification. The system validates user inputs, extracts key information from uploaded documents, and dynamically generates loan options based on financial parameters such as income and credit score. Administrative users can review applications, add remarks, and manage approvals through a centralized dashboard. The chatbot, powered by Gemini AI with a fallback mechanism, ensures contextual conversation and intelligent decision-making. The platform incorporates EMI simulation, role-based access control, and workflow automation to enhance efficiency and scalability. Fina-Kal improves accessibility, reduces processing time, and ensures fair loan evaluation, thereby transforming traditional financial services into an intelligent, user-centric ecosystem.},
        keywords = {Agentic AI, Loan Automation, Gemini AI, EMI Calculator, Financial Chatbot, Document Intelligence, Role-Based Access.},
        month = {April},
        }