Pesapath
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Date
2026-05-26
Journal Title
Journal ISSN
Volume Title
Publisher
Uganda Christian university
Abstract
Financial management remains a major challenge among young people in Uganda, especially due to limited financial literacy, poor saving habits, and lack of access to personalized financial guidance. Although mobile money and digital financial services are widely used, many youths still struggle with budgeting, expense tracking, and long-term financial planning. Existing financial applications mainly focus on transactions and provide limited support for financial education and responsible financial behavior.
To address these challenges, this project introduces PesaPath, an AI-powered mobile platform designed to improve personal finance management and budgeting among young people. The system enables users to track income and expenses, create budgets, receive AI-based financial advice, and access financial learning materials through an interactive in-app academy. PesaPath also promotes responsible financial habits using features such as gamified savings, spending alerts, and personalized financial tips.
The platform was developed using modern technologies including React Native, Next.js, Firebase, Nosql, and Google Gemini AI, with a focus on usability, accessibility, and scalability. Agile methodology and mixed research methods were used during system development to ensure the platform addresses real user financial challenges.
By integrating budgeting tools, financial education, and artificial intelligence into one platform, PesaPath aims to improve financial literacy, encourage better financial decision-making, and support sustainable financial well-being among young people in Uganda.
Description
PesaPath is an AI-powered mobile platform designed to help young people improve their financial management and decision-making. The system provides budgeting and expense tracking tools, personalized AI financial advice, savings management features, and financial education through an interactive learning platform. PesaPath also integrates with digital financial services such as mobile money to promote responsible spending, better saving habits, and improved financial literacy among youth in Uganda.
Keywords
PesaPath, Personal Finance Management, Financial Literacy, Budgeting, Expense Tracking, Artificial Intelligence (AI), AI Financial Advisor, Financial Education, Savings Management, Mobile Application, FinTech, Mobile Money Integration, Digital Financial Services, Smart Budgeting, Financial Decision-Making.