مجلة الاقتصاد والمالية
Volume 12, Numéro 2, Pages 462-483
2026-06-01
Artificial Intelligence Applications As An Entry Point For Financial Inclusion In Banking Institutions - An Analytical Study Of International Experiences
Authors : Kamoumia Soufyane . Rahef Imadeddine .
Abstract
Abstract: This study aims to highlight the role that artificial intelligence can play as an entry point to promote financial inclusion in banking institutions, by analyzing applied models of leading banks such as the virtual "PayPal" bank, the Indian "ICICI" bank, and the Bahraini "ABC" bank. The study, using the deductive approach with its tools of verification and analysis, found that the reliance on artificial intelligence technologies, such as big data analysis, machine learning algorithms, and smart conversation assistants, has effectively contributed to expanding the customer base and reaching marginalized or financially excluded groups, especially in remote areas or among individuals not credit-rated. These technologies have also helped reduce operational costs and simplify procedures, making financial services more inclusive and flexible. The study recommended the necessity of developing a stimulating legislative and regulatory environment for adopting artificial intelligence in banking, alongside supporting digital innovation and building relevant institutional and human capacities
Keywords
Artificial intelligence, financial inclusion, banking institutions.
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