Abstract
Financial inclusion is one of the major issues of low- income communities. This is enhanced by informal savings behavior, lack of adequate transparency in addition to lack of trust assessment system. The Structured and Transparent Community Savings System discussed in the given paper is an electronic and AI-driven system of trust scoring and community savings. Under this system, it is possible to make group savings in a safe manner, transparent transactions, and activities monitoring. The proposed system computerizes the savings activities of the community, calculates income-based trust ratings, and automatically creates groups to which all the activities are documented and stored safely. The system boosts better accountability, preventing fraud and encouraging sustainable financial operations by machine learning based on rules and safe transactions recording. The solution will be realistic, accessible, and acceptable in the real-life implementation especially to low-income earners.
Keywords
Financial Inclusion, Community Savings, AI based Trust Scoring, Digital Transactions, Transparency, Group Savings, Secure Record Management, E-Governance
Citations
IRE Journals:
Bhabana S. T, Pavithra A, Sivasankari A, Akhil Nair "Structured and Transparent Community Savings System for Low-Income Financial Inclusion" Iconic Research And Engineering Journals Volume 9 Issue 9 2026 Page 2120-2122 https://doi.org/10.64388/IREV9I9-1715369
IEEE:
Bhabana S. T, Pavithra A, Sivasankari A, Akhil Nair
"Structured and Transparent Community Savings System for Low-Income Financial Inclusion" Iconic Research And Engineering Journals, 9(9) https://doi.org/10.64388/IREV9I9-1715369
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