Intan Dina Kartika
State University of Malang

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Design and Development of a Multi-Agent Artificial Intelligence-Based Financial Planner for Institutional Financial Management Optimization Intan Dina Kartika; Dwi Soca Baskara; Hardika
SMATIKA JURNAL : STIKI Informatika Jurnal Vol 16 No 01 (2026): SMATIKA Jurnal : STIKI Informatika Jurnal
Publisher : LPPM Universitas Bhinneka Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32664/smatika.v16i01.2167

Abstract

Institutional financial management often faces optimization challenges due to limited understanding of influencing factors, difficulties in data integration, and the lack of human expertise. These constraints hinder the identification of opportunities, risk management, and sustainability. An adaptive and automated financial planning system is required. This study proposes the design of an Artificial Intelligence (AI)-based system for automated financial planning aligned with institutional standards. The system addresses these challenges by integrating financial needs analysis, standardized cost references, and automated budget summary preparation. Using a prototyping approach, the system employs AI agents to conduct in-depth analysis and produce comprehensive budgets. The proposed system leverages RAGflow, an open-source Retrieval-Augmented Generation (RAG) engine that uses deep document understanding to provide truthful question-answering from complex data.