Pangavhane, P., Kolse, S., Avhad, P., Gadekar, T., Darwante, N. K., & Chaudhari, S. V. (2023). Transforming Finance Through Automation Using AI-Driven Personal Finance Advisors. In (p. 1—5). http://doi.org/10.1109/ICCAKM58659.2023.10449538 (Original work published 2025)