AI-Driven Digital financial Services: Unlocking Financial Inclusion Pathways in Algeria

Abstract

This paper examines the interplay between financial inclusion strategies and digital transformation within the context of Algerian banks. The adoption of artificial intelligence (AI) and machine learning (ML) technologies is explored as a mechanism to enhance digital financial services and promote financial inclusion.
The study underscores that digital transformation in banking improved service delivery, financial product diversification, and accessibility, thereby integrating underserved populations into formal financial systems. By analyzing global and local frameworks, this paper identifies critical barriers, including infrastructural gaps, cultural resistance, and limited public trust, that hinder Algeria's progress in digital financial services. Additionally, it highlights the role of FinTech and AI in reshaping financial ecosystems, offering tools for risk management, enhanced decision-making, and operational efficiency