Artificial Intelligence and Machine Learning to Enhance E-Money Utilisation and Human Resource Development in Ica Agro-Export Firms


  • Jesus Enrique Reyes Acevedo, Esther Jesus Vilca Perales, Ericka Janet Villamares Hernández, Uldarico Canchari Vásquez


Artificial Intelligence (AI) and Machine Learning (ML) , e-money, talent acquisition


The integration of Artificial Intelligence (AI) and Machine Learning (ML) technologies has revolutionized various industries, and their potential impact on e-money utilization and human resource development is substantial. This paper explores the synergies between AI/ML and e-money systems, elucidating their role in optimizing financial transactions and bolstering human resource capabilities. In the realm of e-money, AI algorithms can analyze vast datasets to discern patterns, detect anomalies, and predict consumer behavior. By leveraging these insights, e-money platforms can offer personalized financial services, streamline transactions, and mitigate fraud risks. Furthermore, AI-powered chatbots and virtual assistants enhance user experience by providing real-time support and personalized recommendations, fostering greater trust and engagement within e-money ecosystems.Moreover, AI and ML technologies hold immense promise for human resource development. Through data-driven insights, organizations can optimize talent acquisition, identify skill gaps, and tailor training programs to individual needs. AI-driven recruitment platforms streamline the hiring process by automating candidate screening and matching, thereby expediting the identification of top talent. Additionally, ML algorithms facilitate continuous learning initiatives by analyzing employee performance data to deliver personalized learning experiences and targeted skill development pathways..


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How to Cite

Ericka Janet Villamares Hernández, Uldarico Canchari Vásquez, J. E. R. A. E. J. V. P. . (2024). Artificial Intelligence and Machine Learning to Enhance E-Money Utilisation and Human Resource Development in Ica Agro-Export Firms. International Journal of Intelligent Systems and Applications in Engineering, 12(21s), 1546–1552. Retrieved from



Research Article