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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: April 2026
Volume 11 | Issue 4
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Impact Factor : 8.14
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| Paper Title: | FinIntelli: A Dual-Layer Financial Intelligence Framework Integrating Educational Literacy and Deterministic Forensic Analysis for Indian Retail Investors |
| Authors Name: | Ananda D , Madhumitha S , Kamalika M , Dr. P. Vinothiyalakshmi |
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IJRTI_210911
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| Published Paper Id: | IJRTI2604023 |
| Published In: | Volume 11 Issue 4, April-2026 |
| DOI: | |
| Abstract: | Retail participation in Indian capital markets now exceeds 150 million demat accounts, yet SEBI data reveals that 89% of Futures & Options traders incur net losses, collectively losing Rs. 1.8 lakh crore in FY 2022–23. This paper identifies a dual deficit—simultaneous lack of financial literacy and accessible analytical tooling—as a root cause of poor retail investment decisions, and proposes FinIntelli, a dual-layer financial intelligence framework that addresses both deficits through a unified architecture. The framework integrates an Educational Literacy Layer (ELL), implementing three-level progressive disclosure grounded in cognitive load theory, with a Deterministic Forensic Analysis Layer (DFAL), executing 30 explainable forensic accounting rules across seven analytical categories to generate structured risk verdicts. Unlike existing approaches that separate education from analysis, FinIntelli establishes a closed-loop “Learn → Understand → Validate” pipeline where analytical outputs serve as pedagogical anchors. Evaluation across 20 Indian listed companies demonstrates: (i) 85% exact concordance and 95% within-one-tier concordance with Altman Z-Score classifications; (ii) correct retrospective verdict alignment in five case studies including historically distressed firms with 12+ months advance signaling; (iii) favorable heuristic evaluation scores (mean severity < 1.0 on Nielsen’s 0–4 scale) for the progressive disclosure interface; and (iv) sub-100ms analysis latency for 30 rules across 3-year financial histories, enabling real-time interactive decision support. This work contributes the first integrated education-analysis architecture for retail financial decision support with multi-dimensional validation. |
| Keywords: | Financial Literacy, Explainable Finance, Rule-Based Analysis, Progressive Disclosure, Retail Investors, Decision Support Systems, Indian Capital Markets, Forensic Accounting |
| Cite Article: | "FinIntelli: A Dual-Layer Financial Intelligence Framework Integrating Educational Literacy and Deterministic Forensic Analysis for Indian Retail Investors", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2456-3315, Vol.11, Issue 4, page no.a162-a173, April-2026, Available :http://www.ijrti.org/papers/IJRTI2604023.pdf |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2604023
Registration ID:210911
Published In: Volume 11 Issue 4, April-2026
DOI (Digital Object Identifier):
Page No: a162-a173 Country: Tiruvannamalai, Tamil Nadu, India Research Area: Engineering Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2604023 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2604023 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
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