Edy Suryanto, S.Pd., M.Pd Universitas Lambung Mangkurat
Baingat is a smart financial assistant application developed as an innovation to help students overcome impulsive buying behavior that frequently occurs in daily life. This application is designed using Artificial Intelligence (AI) with three main submenus: Advisore as a purchase consideration feature, Allocator for fund allocation management, and Tracker for recording and monitoring students’ financial activities. Through AI-based recommendations, the application provides guidance to encourage wiser and more organized financial behavior. Baingat also serves as a financial literacy learning medium for students of Economic Education at ULM, helping them face modern financial management challenges and improve their financial decision-making skills.