*2.1. The Influence of AI in Driving Digital Financial Inclusion*

Fintech companies are increasingly applying AI applications for many purposes which include but are not limited to the following: to manage and detect risk, risk measurement, fraud detection, consumer protection (Paul 2019). Other prominent areas of use include credit scoring, chatbots, capital optimization, market impact analysis, trade signalling, and 'reg tech' applications (Paul 2019).
