The influence of artificial intelligence (AI) and machine learning (ML) on financial decision-making for government instructors and workers of micro, small, and medium-sized enterprises (MSME) in the Delhi-NCR area is examined in the study article. It draws attention to the possible advantages, difficulties, and uses of AI and ML in the context of financial decision-making for these particular populations. The study evaluates prior research and provides data to back up its conclusions. The advantages of AI and ML in financial decision-making include increased speed and accuracy in data processing and analysis, risk reduction, fraud detection, individualized financial advice and recommendations, automation of repetitive financial tasks, and access to financial education and training. However, difficulties include worries about data security and privacy, a lack of knowledge and training, reluctance to change, cost and resource limitations, problems with data availability and quality, and issues with skill gaps and training requirements are also mentioned. In order to facilitate the use of AI and ML technologies in financial decision-making for MSMEs, the paper makes suggestions for policymakers on how to create an enabling environment and invest in infrastructure and resources. The study paper's overall goal is to provide policymakers, educators, and organizations with useful information on how to use AI and ML to improve the financial decision-making of government instructors and MSME workers in the Delhi-NCR area.

artificial intelligence, machine learning, data processing, skill gaps and training