Mr. Tenny Enoch Devadas

AI for Financial Wellness – Moving from Debt Recovery to Empowerment

Abstract:

As personal debt levels continue to rise globally, traditional outreach and debt relief programs often fail to effectively reach those most in need. This presentation introduces a comprehensive framework that leverages artificial intelligence (AI) and data engineering to proactively identify individuals in financial distress and guide them toward structured debt relief solutions. By analyzing behavioral data from websites, public financial records, and social media sentiment, the system classifies users by debt risk, predicts their likelihood of program enrollment, and delivers personalized interventions. Through the integration of classification models, natural language processing (NLP), and recommendation engines with real-time data pipelines and ethical data practices, this approach has the potential to transform debt management and promote long-term financial wellness.