The escalating national student loan debt crisis has reached unprecedented levels, posing signifi... more The escalating national student loan debt crisis has reached unprecedented levels, posing significant challenges to individuals and the economy. In response, leveraging artificial intelligence (AI) to enhance student financial literacy has emerged as a promising strategy. This paper explores the intersection of AI and student financial literacy, highlighting its potential to alleviate the burden of student loan debt and empower students to make informed financial decisions. By analyzing current initiatives and technological advancements, this paper elucidates the role of AI in addressing the multifaceted issues surrounding student debt. Through AI-driven solutions such as personalized financial education platforms, predictive analytics, and chatbots, students can develop essential financial skills, navigate complex financial landscapes, and mitigate the adverse effects of student loan indebtedness. Furthermore, the paper discusses challenges and ethical considerations associated with AI implementation in financial education and offers recommendations for policymakers, educators, and stakeholders to maximize the benefits of AI while ensuring equity and inclusivity in student financial literacy initiatives.
This paper examines the role of technological advancements in enhancing cybersecurity within supp... more This paper examines the role of technological advancements in enhancing cybersecurity within supply chain management, emphasizing the impact of the Internet of Things (IoT) and Artificial Intelligence (AI). It explores how IoT, by enabling interconnected devices, transforms data collection and processing, essential for improving supply chain efficiency. It addresses cybersecurity vulnerabilities, including spyware and malicious software, and emphasizes the necessity for robust network security measures outlining future directions, advocating for continuous testing, and updating of cybersecurity frameworks to safeguard against potential attacks. The paper also discusses the role of AI and machine learning advancements are highlighted for their predictive capabilities, aiding in market trend analysis, competitor pricing, and customer behavior, thus optimizing profitability and competitiveness. Additionally, the research emphasizes the importance of supply chain visibility into global markets to mitigate risks associated with supply disruptions.
This paper presents a comprehensive review of Artificial Intelligence (AI) literature within the ... more This paper presents a comprehensive review of Artificial Intelligence (AI) literature within the financial services sector, providing practical insights for companies to harness AI's potential in decision-making process. The focus point of the paper lies in strategies for AI integration within financial processes, highlighting the compliance challenges, particularly with Sarbanes-Oxley Act (SOX). Furthermore, our paper delves into the transformative role of AI in streamlining the decision-making process for credit limit approval process while adhering to SOX regulations to strike a balance between fostering innovation and maintaining integrity and accuracy amidst the evolving governance framework.
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Papers by Apoorva Sehgal