Calling these “AI tools” inflates rule-based and template-based features into something they are not. The Bengaluru paper was received on 26 February 2026 and accepted on 3 March 2026, a six-day review cycle. This is the lowest-cost path for implementers who already know the model works, and it is the path the Bengaluru paper makes easier. “Digital tools,” “mobile business apps,” and “smartphone-based business aids” are all available and all more accurate. Every grant proposal using “AI” should state the model class, training data provenance, and decision-making locus.