This article examines the intersecting dynamics of artificial intelligence (AI), financial inclusion, regulatory compliance, and systemic resilience within contemporary digital finance. Drawing on global empirical surveys and policy treatises, the paper situates AI-driven financial services against the twin imperatives of expanding access to formal finance and safeguarding consumer rights and system stability. The analysis synthesizes evidence that digital payments and fintech platforms have materially advanced inclusion during periods of economic stress, while simultaneously introducing algorithmic opacity, new concentration risks, and data governance challenges that may exacerbate inequality if left unregulated (Demirgüç-Kunt et al., 2022; Sahay et al., 2021). Building on critiques of unobserved big-data harms and algorithmic bias (O'Neil, 2022), the study interrogates how AI systems can institutionalize exclusionary patterns and recommends regulatory design principles—transparency, proportionality, auditability, and privacy-preserving architectures—adapted to the particularities of financial services (Truby et al., 2020; Gupta & Vohra, 2022). The paper develops a conceptual methodology for assessing AI-driven fintech through five analytical lenses: access, fairness, resilience, privacy, and governance. It offers descriptive results from a theory-driven application of this framework to representative use-cases—credit scoring, transaction monitoring, digital payments, and regulatory reporting—highlighting predictable failure modes and mitigation strategies. The discussion elaborates policy proposals that combine ex ante standards, ex post enforcement, and market-structure interventions to align incentives, and it contemplates the global governance implications for emerging economies where legal frameworks are evolving rapidly (Oriji et al., 2023; Farooqi et al., 2024). Limitations and future research paths focus on empirical validation, metrics harmonization, and the design of internationally interoperable supervisory toolkits. The article concludes with a roadmap for regulators, firms, and researchers to steward AI-enabled finance toward inclusive and resilient outcomes while minimizing algorithmic harms.

Artificial intelligence, financial inclusion, algorithmic fairness, regulatory compliance, data privacy

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