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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Issue: May 2026
Volume 11 | Issue 5
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Impact Factor : 8.14
Issue per Year : 12
Volume Published : 11
Issue Published : 120
Article Submitted : 24205
Article Published : 9239
Total Authors : 24597
Total Reviewer : 847
Total Countries : 165
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| Paper Title: | Smart Ledger – AI augmented personalised budgeting and fraud detection |
| Authors Name: | Meet Kambli , Pratham Bhavsar , Pranay Bhoir , Kranti Gule |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_211812
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| Published Paper Id: | IJRTI2604236 |
| Published In: | Volume 11 Issue 4, April-2026 |
| DOI: | |
| Abstract: | The Smart Ledger Platform is an artificial intelligence (AI)-enabled web application that is designed to bring the future of personal and small business financial management by replacing the manual data entry with intelligent automation. The system utilizes a unified AI gateway to handle multimodal inputs and also runs advanced vision models for unstructured receipt images in order to convert them into validated and categorized transaction records in near real-time. The platform is based on a scalable serverless architecture and a relational database for structured and type-safe data management. To overcome the limitations in serverless environments, an event-driven workflow engine is integrated to provide reliable execution of the long-running background tasks such as automated transaction processing, generation of financial reports periodically, etc. Security is enforced using a layered approach which includes authentication, rate limiting, and bot protection mechanisms. Additionally, the system introduces three modules of AI-based fraud detection - unusual spending pattern detection, duplicate receipt detection and visual tampering detection using computer vision techniques. Experimental objectives focus on high extraction accuracy (greater than 95%), no manual intervention and the execution of background tasks. The proposed system offers a scalable and secure solution for intelligent financial management that is all contributing to advancements in AI-powered FinTech applications. |
| Keywords: | Artificial Intelligence, Multimodal AI, personal finance, FinTech, Fraud Detection, Serverless Architecture, Anomaly Detection, Expense Tracking. |
| Cite Article: | "Smart Ledger – AI augmented personalised budgeting and fraud detection", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2456-3315, Vol.11, Issue 4, page no.b716-b725, April-2026, Available :http://www.ijrti.org/papers/IJRTI2604236.pdf |
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| ISSN: |
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: IJRTI2604236
Registration ID:211812
Published In: Volume 11 Issue 4, April-2026
DOI (Digital Object Identifier):
Page No: b716-b725 Country: Virar / Palghar, Maharashtra, India Research Area: Engineering Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2604236 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2604236 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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