NATURAL LANGUAGE UNDERSTANDING MODELS FOR PERSONALIZED FINANCIAL SERVICES

In recent years, the financial industry has undergone a transformative shift fueled by artificial intelligence and data-driven personalization. At the heart of this evolution lies Natural Language Understanding (NLU), a subfield of Natural Language Processing (NLP), which enables machines to comprehend and respond to human language with contextual awareness. Personalized financial services—such as investment advice, spending insights, budgeting support, and credit recommendations—require a deep understanding of user intent, transactional behavior, and conversational cues. This paper presents a comprehensive study of the integration of state-of-the-art NLU models into financial service ecosystems, focusing on their ability to enhance user experience through contextual, accurate, and secure interactions.