Financial Inclusion

Financial inclusion aims to provide equitable access to financial services for all, particularly underserved populations, boosting economic growth and reducing inequality. Current research focuses on leveraging digital technologies, including machine learning (e.g., contrastive learning, boosting-tree algorithms) and large language models, to improve credit scoring, personalize financial products, and enhance customer segmentation based on transaction data. These advancements aim to mitigate algorithmic bias and improve the accuracy and inclusivity of financial decision-making, ultimately impacting both the development of more effective financial models and the lives of individuals previously excluded from the formal financial system.