MUMBAI, India, Jan. 7 -- Intellectual Property India has published a patent application (202511103761 A) filed by Manipal University, Jaipur, Rajasthan, on Oct. 28, 2025, for 'a technology-driven system and method for enhancing financial literacy and investment intent based on tpb and pls-sem models.'
Inventor(s) include Bhoomika Batra; Vaibhav Bhatnagar; and Ritvik Khurana.
The application for the patent was published on Dec. 12, under issue no. 50/2025.
According to the abstract released by the Intellectual Property India: "The present invention relates to a system to increase financial literacy and accurately predict investment-related behaviour between the Theory of Planned Behaviour (TPB) and Partial Least Squares Structural Equation Modelling (PL-SEM). The system comprises a data collection module to collect user responses related to user attitude toward investment, subjective norms, and perceived behavioural control to provide an evaluation of behavioural intention through a TPB; and a PLS-SEM engine to give a predictive score that indicates the user's strength of intention to engage in investment behaviour. Based on this score, the platform gives personalized interventions through an adaptive financial education platform, behaviour nudges, and real-time feedback. A behaviour tracking module would also quantify the changes in user behaviour. This invention offers a method to support sound decision-making, increase financial confidence, and lessen negative investment behaviour in financially underserved populations. The invention reconciles the divide between knowledge and action to offer a scalable model for digital financial empowerment."
Disclaimer: Curated by HT Syndication.
