The Determinants of Not Having a Retirement Savings Account: An Empirical Analysis for Mexico

Abstract
This study explores the application of predictive accounting, focusing on the integration of artificial intelligence (AI) to optimize budget management in large corporations. The research investigates how machine learning algorithms can forecast financial outcomes, streamline decision-making processes, and improve financial planning accuracy. By analyzing real-time financial data and historical trends, AI enhances the precision of budgeting practices, reduces human error, and allows for proactive adjustments in financial strategies. This paper presents case studies of large organizations that have successfully implemented AI-driven budgeting tools, highlighting their impact on operational efficiency and financial performance.