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@article{206851,
        author = {Hitesh Agrawal},
        title = {Artificial Intelligence-Enabled Digital Financial Inclusion: Developing a Conceptual Framework for Equitable Access to Financial Services},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {13},
        number = {2},
        pages = {2898-2901},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=206851},
        abstract = {Rapid technological advancement has transformed the financial inclusion landscape. Digital banking technology is replacing traditional banking. One of the few low-cost, competitive, and convenient pathways for underserved populations to access financial services is digital financial inclusion. Primary financial inclusion is a vital facilitator of economic development. The proliferation of Artificial Intelligence (AI) is a growing concern. Unprecedented growth in digital financial services may be within reach with the right tools.
The aim of this research is to explore the application of AI to enhance digital financial inclusion and the creation of a principle to endorse access to financial services. Such a principle may draw from the recent innovations of AI within financial technology and service provision and incorporate automated credit and risk assessment via machine learning, automated predictive and prescriptive analytics, improved customer service and engagement AI, fraud detection, and cyberspace security systems. Digital financial inclusion may be the outcome of optimized AI application and may be a result of decreased asymmetries of data and information, improved access to and choice of financial services, enhanced financial solutions tailored to the diverse end-user customer segments, and improved service delivery.
According to the study, incorporating AI-financial ecosystems in the banking system could help integrate such marginalized communities in the financial system and work toward closing the gaps that exist in the system such as low financial literacy, low banking accessibility, and thin-file credit. Data privacy issues, the digital gap, bias in algorithms, and regulatory issues may also arise. The responsible use of digital financial services, responsible innovations of AI, and public policies that are supportive of responsible innovations of AI are among the elements the study’s conceptual framework advocates. The responsible use of digital financial services, the responsible innovations of AI, and public policies that are supportive of the responsible innovations of AI will likely create the right conditions for inclusive financial services and the sustainable growth of the global economy. The study hopes that government agencies, banks, regulatory agencies, and fintech companies will work together to harness the benefits of AI, thereby making financial systems safer and more equitable for all.},
        keywords = {Artificial Intelligence; Digital Financial Inclusion; FinTech; Machine Learning; Financial Accessibility; Inclusive Finance; Digital Banking; AI-driven Financial Services; Financial Technology Innovation; Sustainable Financial Ecosystem.},
        month = {July},
        }