Artificial intelligence is no longer just a buzzword thrown around in the boardroom. This technology now powers modern finance, shaping how money moves and how decisions are made. Through rapid trading, personalized wealth management, algorithmic credit scoring, and automated back-office functions, AI is helping financial institutions reduce costs and deliver greater value to their clients.

Yet these benefits will primarily help those that already have access to a bank—and not the more than one billion that still lack access to formal financial systems. A staggering $5.2 trillion credit gap prevents small businesses in emerging markets from growing. Financial inclusion is stubbornly out of reach for these business and individuals.

AI, combined with Web 3.0 technologies, could expand

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