Üretken Yapay Zekaya Dayalı Bireysel Emeklilik Bilgilendirme ve Öneri Sistemi

Year 2024, , 207 - 222, 31.07.2024

Ezgi Avcı , Mehmet Furkan Atik , Nur Muazzez Memiş

https://doi.org/10.17671/gazibtd.1475239

Abstract

Bu makale, üretken yapay zeka (GenAI) ile güçlendirilmiş yenilikçi bir bireysel emeklilik bilgi ve tavsiye sisteminin tasarımını sunmaktadır. Sistem, kullanıcı verilerini analiz etmek ve kişiselleştirilmiş emeklilik planlama tavsiyeleri üretmek için gelişmiş AI algoritmalarını kullanacak şekilde özelleştirilmiştir. GenAI entegrasyonu ile sistem, kullanıcılar arasında finansal okuryazarlığı önemli ölçüde artırmayı, emeklilik planlaması ve finansal ürünler hakkında daha derin bir anlayış sağlamayı hedeflemektedir. GenAI destekli içgörüler, kullanıcıların uzun vadeli emeklilik hedefleri ve risk tercihleriyle uyumlu bilinçli kararlar alabilmelerini sağlayacak şekilde özelleştirilmiş yatırım stratejilerini kolaylaştıracaktır. Bu yaklaşım, sadece bireysel finansal sonuçları iyileştirmeyi amaçlamakla kalmayıp, geleneksel olarak yalnızca finansal danışmanlar aracılığıyla erişilebilen finansal tavsiyeye erişimi demokratikleştirmeyi de hedeflemektedir. Sistem geliştikçe, değişen ekonomik koşullara ve kişisel durumlara uyum sağlaması, kullanıcıların yaşam değişiklikleriyle uyumlu dinamik tavsiyeler sunması beklenmektedir. Bu sistemin amacı, emekliliğe yaklaşırken ve emekliliğe girerken kullanıcılarının finansal refahını ve güvenliğini artıracak şekilde proaktif bir emeklilik planlaması yaklaşımını teşvik etmektir.

Keywords

Bireysel Emeklilik, Üretken Yapay Zeka, Yapay Zeka, Karar Destek Sistemi

Supporting Institution

This study was supported with the project number 3235018 under the program of "TÜBİTAK 1707".

GenAI-Based Private Pension Information and Recommendation System

Abstract

This paper presents the design of an innovative private pension information and recommendation system powered by generative artificial intelligence (GenAI). The system is tailored to leverage GenAI algorithms to analyze user data and generate personalized retirement planning advice. By integrating GenAI, the system seeks to significantly enhance financial literacy among users, providing them with a deeper understanding of retirement planning and financial products. The GenAI-driven insights will facilitate tailored investment strategies, enabling users to make informed decisions that align with their long-term retirement goals and risk preferences. This approach aims not only to improve individual financial outcomes but also to democratize access to financial advice that is traditionally available only through financial advisors. As the system evolves, it is expected to adapt to changing economic conditions and personal circumstances, offering dynamic advice that keeps pace with users' life changes. The goal of this system is to foster a proactive approach to retirement planning, thereby enhancing the financial well-being and security of its users as they approach and enter retirement.

Keywords

private pension, generative artificial intelligence, artificial intelligence, decision support system

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