Hybrid Analysis: An Innovative Approach for a Financial Literacy Drive with the Use of AI and Big Data for Community Financial Growth

Abstract

This research paper introduces a transformative methodology designed to advance financial literacy and foster community wealth creation. Developed by Smart Disha Academy, owner Founder and Director Dr. Subhransu Sekhar Jena after 20 years of extensive research, this innovative approach synergizes Technical Analysis and Fundamental Analysis to form a comprehensive framework for more precise investment decision-making and financial forecasting. Also, active role played by Mrs. Swarna Prava Jena, Director, Smart Disha Algo. Currently utilized by over 17,000 students in live portfolio management, Hybrid Analysis plays a pivotal role in enhancing financial literacy and promoting sustainable financial practices at the grassroots level. Central to this methodology is the integration of Artificial Intelligence (AI) and Big Data Analytics, leveraging Algorithmic Trading (Algo Trading or Robotics Trading) to automate and optimize investment strategies. By utilizing machine learning, predictive analytics, and quantitative modelling, Hybrid Analysis processes vast datasets, identifying market patterns and trends often missed by conventional approaches. The AI-powered, data-driven insights provide a significant edge in risk management, portfolio diversification, and asset allocation. The methodology also has broader implications for financial literacy education by incorporating digital transformation and real-time market simulations into learning environments. This research underscores the potential of AI-driven financial models to enhance financial literacy programs, empowering individuals with data-driven decision-making skills. Furthermore, the Hybrid Analysis approach aligns with key principles of financial inclusion, corporate governance, wealth management, and investment strategy, contributing to socio-economic development and community empowerment. This research emphasizes how Hybrid Analysis could drive sustainable economic growth, improve market efficiency, and encourage institutional innovation. It offers significant potential for enhancing financial market participation while addressing challenges in capital allocation and macroeconomic stability. As a forward-looking solution, Hybrid Analysis is positioned to revolutionize the field of financial engineering and establish new benchmarks for financial technology (FinTech) applications.