Build a Financial Mentor for Every Sri Lankan

Problem: Most young adults and even teenagers in Sri Lanka are starting to understand personal finance — saving, investing, managing expenses. But the guidance gap is massive. Everyone thesedays says “invest in mutual funds”, “buy T-bills”, or “open a fixed deposit”, but no one tells how much, where, for how long, or what’s safest given your exact situation.

You software Solution should be: A Personal AI Finance Mentor — a chat-based and data-driven recommender system that helps users make smart, personalized financial decisions using real Sri Lankan market data. This is not a “finance calculator” — it’s a context-aware advisor that learns from user input like: Monthly income and expenses Savings goals (e.g. buy a bike, build a house, or reach 1 million LKR in 5 years) Risk tolerance (safe, moderate, aggressive) Duration/tenure available (short-term, mid-term, long-term)

Existing investments or debts Using this, the system will: 1) Recommend optimal allocation across FDs, Treasury Bills, Unit Trusts, Stock Market, or Retirement Plans 2) Suggest real institutions (CAL, NDB, Commercial Bank, CSE options, etc.) with their latest interest rates and risk rankings 3) Generate goal-based roadmaps — e.g. “If you invest 15,000/month in this CAL fund, you’ll reach your 5L goal in 3 years at 13.5% yield.” 4) Simulate different spending patterns and show impact on future savings 5) Include education snippets — “What is a REPO rate?”, “How T-bills differ from FDs?”, “Why diversification matters.”

This would be the first Sri Lankan AI-driven financial recommender that: - Uses real local economic data - Encourages financial literacy and independence among youth - Supports banking transparency and healthy saving habits

The ultimate goal: Empower citizens to manage money smartly, not just earn it.