Introduction: The Next Leap in Digital Banking In the rapidly changing world of financial technology , Artificial Intelligence (AI) is no longer just a buzzword—it’s the beating heart of a revolution. As billions of people around the world continue to live outside the formal financial system, AI-powered financial inclusion has become a powerful equalizer. From credit scoring to blockchain-based microloans, AI is enabling access to money, credit, and opportunity for individuals and small businesses that were once invisible to traditional banking systems. Financial inclusion is not just an economic necessity—it’s a global mission. According to the World Bank, over 1.4 billion adults remain unbanked as of 2024, mostly in Africa, South Asia, and Latin America . But with AI and fintech merging, this landscape is rapidly transforming. The next decade will see AI + Blockchain , AI-powered microloans , global credit scoring standards , and ethical AI frameworks that ensure fairness and ...