STV251: AI-Powered Financial Wellness Platform For Teens To Enhance Smart Spending And Long-Term Planning

Ms.Salasiah Sulaiman Asia Pacific University Of Technology And Innovation

YumeBank is an AI-driven financial wellness platform designed to empower teens with smarter financial habits and long-term planning skills. Addressing challenges such as decision fatigue, excessive debt, and poor budgeting, YumeBank integrates real-time financial health checks, intelligent spending analysis, and personalized loan management tools. Users benefit from AI-guided transaction validation and impact projections of spending decisions on future financial goals. The platform encourages responsible financial behavior through gamified rewards, transparency in banking activities, and proactive risk assessments. By tackling social media’s influence on spending habits, YumeBank aims to foster a generation of financially literate and secure young adults.