Optimalization of Artificial Intelligence in Finansialku Application as a Personal Finance Management System (PFMS) to Improve Students’ Financial Literacy in the Finance and Banking Program at Nusantara Academy

Abstract

This study aims to optimize the role of Artificial Intelligence (AI) in enhancing university students’ financial literacy competence through the use of Finansialku as a Personal Finance Management System (PFMS). Financial literacy is an essential skill in the digital economy, particularly for students who are required to manage budgets, savings, investments, and future financial planning effectively. The integration of AI into personal financial management applications enables adaptive, personalized, and data-driven financial learning, addressing the limitations of conventional approaches. Finansialku offers a wide range of intelligent features, including automated transaction recording, expenditure analysis, integrated budgeting, investment simulations, and AI-based financial consultations. These features provide an interactive and contextual financial learning experience, encouraging students to better understand their financial conditions. This study applies a qualitative descriptive method through literature review, application observation, and analysis of students’ experiences in using Finansialku. The findings indicate that using Finansialku not only increases financial awareness but also strengthens motivation to learn financial management and supports students in making more rational financial decisions. Consequently, the integration of AI into PFMS applications such as Finansialku holds strategic potential for supporting the development of financial literacy competence among university students.