This study sought to investigate the impact of AI on digital financial inclusion. Digital financial inclusion is becoming central in the debate on how to ensure that people who are at the lower levels of the pyramid become financially active. Fintech companies are using AI and its various...

Part I: Introduction -- Chapter 1: Introduction to Digital Financial Inclusion: Revisiting Poverty Theories in The Context of The Fourth Industrial Revolution -- Chapter 2: The Fourth Industrial Revolution: An Introduction to its Main Elements -- Chapter 3: Financial Inclusion and the Fourth...

We use unique and proprietary data from a large Fintech lender to analyze whether alternative data captured from an individual's mobile phone (mobile/social footprint) can substitute for traditional credit bureau scores. Variables that measure a borrowers' digital presence, such as the number...

Digital transformation remains a passion. Globally, science and technology are transforming businesses to make them more competitive and conducive to sustainable development. However, rapid advancements in financial technology have enabled financial institutions to steal customers from...

Financial innovation in the form of new delivery channels, products, and providers has helped push out the frontier of access to finance and thus increase the bankable and banked population. Mobile money and crowdfunding platforms are prime examples for this. The same financial innovation has...