مجلة الاقتصاد والمالية
Volume 12, Numéro 2, Pages 237-249
2026-06-01
The U.s. Experience With Innovative Digital Financing Mechanisms For Reducing Financial Exclusion: Lessons From Digital Transformation And Artificial Intelligence For The Algerian Context
Authors : Belatel Ayache . Gharnous Layachi .
Abstract
One of the most prominent financial innovations in the context of financial technology (FinTech) is crowdfunding, which has transformed the financing of startups and creative and social projects—especially considering the challenges associated with securing traditional financing from banks and financial institutions. This model helps increase financial inclusion by enabling startups, small and medium-sized enterprises (SMEs), and even individuals to present their ideas and secure the funds needed to implement them. It relies on pooling financial resources from a large number of people through specialized digital platforms. The purpose of this paper is to study the experience of the United States in using crowdfunding as a mechanism to reduce financial exclusion and promote financial inclusion, highlighting the role of artificial intelligence (AI) in improving platform efficiency and increasing levels of trust. The study adopts a descriptive, analytical, and comparative approach, relying on data from the period 2019–2024, combining a theoretical literature review with an analysis of the U.S. crowdfunding experience. The results show that the U.S. market size exceeded USD 36 billion in 2023, with a notable contribution from startups. Artificial intelligence also emerged as a pivotal tool for risk assessment, campaign success prediction, and fraud detection. The study concludes that the American experience represents a model that can be drawn upon for Algeria, consistent with local environmental specificities.
Keywords
Crowdfunding; Financial Exclusion; Financial Inclusion; Artificial Intelligence; United States of America.
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