System Requirements Document (SRD)

1. Introduction

This document outlines the system requirements for the development of a multi-agent AI-powered financial planning platform tailored for Indian users. The platform aims to provide personalized financial advice, investment planning, and budgeting tools using advanced AI technologies. It is designed to cater to the unique financial needs and preferences of Indian users, ensuring accessibility, reliability, and scalability.

2. System Overview

The financial planning platform will leverage multi-agent AI systems to deliver personalized financial advice and planning services. The system will integrate various AI models and tools to analyze user data, provide actionable insights, and automate financial planning processes. The platform will be accessible via web and mobile applications, ensuring ease of use for diverse user personas such as individuals, financial advisors, and administrators.

Key features include:

• Personalized financial advice based on user data and preferences.
• Investment planning tailored to Indian financial instruments.
• Budgeting tools to help users manage expenses effectively.
• Integration with Indian banking systems and financial APIs.
• Multi-agent AI collaboration for enhanced decision-making.
• Interactive Q&A system for gathering user financial details and goals.
• Wizard-based account creation process to collect user details and basic financial information, generating an initial financial report.

3. Functional Requirements as Story Points

• As a User, I should be able to create a financial profile by entering my income, expenses, and financial goals.
• As a User, I should be able to receive personalized investment recommendations based on Indian financial instruments.
• As a User, I should be able to track my monthly expenses and savings through the platform.
• As a User, I should be able to set financial goals and receive actionable steps to achieve them.
• As a User, I should be able to access budgeting tools to plan my monthly and yearly expenses.
• As a User, I should be able to integrate my bank accounts securely to fetch transaction data.
• As a User, I should be able to receive alerts and notifications for upcoming bills, payments, or financial milestones.
• As a User, I should be able to access educational resources about financial planning tailored for Indian users.
• As a User, I should be able to interact with an AI-powered Q&A system to provide my financial details and goals.
• As a User, I should be able to use a wizard during account creation to provide user details and basic financial information, and receive an initial financial report.
• As an Admin, I should be able to manage user accounts and monitor system performance.
• As an Admin, I should be able to update financial planning algorithms and AI models as needed.
• As a Financial Advisor, I should be able to access anonymized user data to provide expert advice.
• As a Financial Advisor, I should be able to recommend investment strategies and plans to users.

4. User Personas

4.1 User

• Indian individuals seeking financial planning assistance.
• Users with varying levels of financial literacy.
• Users looking to manage their expenses, savings, and investments effectively.

4.2 Admin

• Responsible for managing the platform, ensuring system reliability, and updating AI models.
• Monitors user activity and system performance.

4.3 Financial Advisor

• Provides expert financial advice to users.
• Utilizes anonymized user data to recommend investment strategies and plans.

5. Visuals Colors and Theme

The platform will adopt a professional and user-friendly color scheme that resonates with financial planning and trustworthiness. Suggested color palette:

• Primary Color: Deep Blue (#003366) – Represents trust and professionalism.
• Secondary Color: Emerald Green (#50C878) – Symbolizes growth and prosperity.
• Accent Color: Gold (#FFD700) – Reflects wealth and success.
• Background Color: Light Gray (#F5F5F5) – Ensures readability and a clean interface.

The theme will focus on simplicity, accessibility, and modern design principles to ensure a seamless user experience.

6. Non-Functional Requirements

• Scalability: The platform must handle a growing number of users and data without performance degradation.
• Security: Ensure secure data storage and transmission using encryption protocols.
• Reliability: The system must have 99.9% uptime and robust error handling mechanisms.
• Performance: The platform should provide responses within 2 seconds for user queries.
• Localization: The platform must support Indian languages and regional preferences.
• Compliance: Adhere to Indian financial regulations and data protection laws (e.g., RBI guidelines, GDPR equivalent).
• User Experience: The wizard-based account creation process must be intuitive and guide users effectively through providing their details and basic financial information.

7. Tech Stack

Frontend

• React for Web
• React Native for Mobile App

Backend

• Python
• FastAPI

Database

• MySQL or MariaDB (preferred for RDBMS)
• MongoDB (for NoSQL data storage)
• WeaviateDB (for VectorDB storage)

AI Models

• GPT 5.2 for user-friendly responses.
• Claude 4.5 Opas for academic or coding work.
• Gemini 3 Pro for friendly responses.
• Google Nano Banana for image generation.

AI Tools

• Litellm for LLM Routing.
• Langchain for AI workflow orchestration.

Local Orchestration

• Docker
• docker-compose

Server-Side Orchestration

• Kubernetes

8. Assumptions and Constraints

Assumptions

• Users will have access to smartphones or computers with internet connectivity.
• Indian users are familiar with basic financial concepts.
• The platform will integrate with Indian banking systems and APIs.
• Users will find the wizard-based account creation process intuitive and helpful.

Constraints

• Must comply with Indian financial regulations and data protection laws.
• Limited to Indian financial instruments and investment options.
• The platform must support multiple Indian languages for localization.
• The wizard must be designed to collect only essential user details and financial information to avoid overwhelming users.

9. Glossary

• AI: Artificial Intelligence, used for automating and enhancing decision-making processes.
• Multi-Agent AI: A system where multiple AI models collaborate to achieve complex tasks.
• RDBMS: Relational Database Management System, used for structured data storage.
• NoSQL: Non-relational database for storing unstructured data.
• VectorDB: Database optimized for storing and querying vector embeddings.
• Financial Instruments: Investment options such as stocks, mutual funds, bonds, etc.
• Localization: Adapting the platform to support regional languages and preferences.
• RBI: Reserve Bank of India, the regulatory authority for banking in India.
• Interactive Q&A: A conversational interface where users provide financial details and goals through guided questions and answers.
• Wizard: A step-by-step guided process for users to provide user details and basic financial information during account creation.
• Initial Financial Report: A preliminary analysis of the user's financial situation based on the information provided during account creation.

This updated SRD incorporates the user's request to include collecting user details and basic financial information during the wizard-based account creation process, ensuring the platform remains accessible, user-friendly, and tailored to Indian users' financial planning needs.