Artificial intelligence in finance refers to the integration of AI technologies—such as machine learning (ML), natural language processing (NLP), and predictive analytics—into financial systems and processes. In a nutshell, AI helps automate and optimize financial tasks that were traditionally performed manually, providing more efficient, accurate, and data-driven solutions. 

AI-powered debt management apps and tools utilize machine learning algorithms to automate various aspects of financial management. These tools can track spending, create budgets, optimize debt repayment strategies, and even help negotiate with creditors. 

The world of finance is rapidly evolving, and traditional methods of financial analysis are struggling to keep pace with the increasing complexity and speed of global markets.