The Role of Artificial Intelligence in Promoting Financial Inclusion in Developing Countries

IF 3 4区管理学 Q1 INFORMATION SCIENCE & LIBRARY SCIENCE

Journal of Global Information Technology Management Pub Date : 2021-01-02 DOI:10.1080/1097198x.2021.1871273

N. Kshetri

引用次数: 14

Abstract

According to the World Bank’s Global Findex database, about 1.7 billion adults were unbanked in 2017, which means that they lacked an account with a formal financial institution or a mobile money provider. Most of the unbanked population is in developing countries. In South Sudan, for instance, only 9% of the adults had a bank account. Similarly, about 70% of the population in Latin America is unbanked or underbanked (Rojas-Torres, Kshetri, Hanafi, & Kouki, 2021). Likewise, according to the International Finance Corporation, over 200 million small and medium enterprises (SMEs) in developing countries lack access to financial services.

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人工智能在促进发展中国家普惠金融中的作用

根据世界银行的全球金融指数数据库，2017年约有17亿成年人没有银行账户，这意味着他们没有在正式金融机构或移动货币提供商开设的账户。大多数没有银行账户的人都在发展中国家。例如，在南苏丹，只有9%的成年人拥有银行账户。同样，拉丁美洲约70%的人口没有银行账户或银行服务不足(Rojas-Torres, Kshetri, Hanafi， & Kouki, 2021)。同样，根据国际金融公司的数据，发展中国家有2亿多中小企业无法获得金融服务。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Global Information Technology Management INFORMATION SCIENCE & LIBRARY SCIENCE-

CiteScore

4.10

自引率

10.00%

发文量

期刊介绍： The Journal of Global Information Technology Management (JGITM) is a refereed international journal that is supported by Global IT scholars from all over the world. JGITM publishes articles related to all aspects of the application of information technology for international business. The journal also considers a variety of methodological approaches and encourages manuscript submissions from authors all over the world, both from academia and industry. In addition, the journal will also include reviews of MIS books that have bearing on global aspects. Practitioner input will be specifically solicited from time-to-time in the form of invited columns or interviews. Besides quality work, at a minimum each submitted article should have the following three components: an MIS (Management Information Systems) topic, an international orientation (e.g., cross cultural studies or strong international implications), and evidence (e.g., survey data, case studies, secondary data, etc.). Articles in the Journal of Global Information Technology Management include, but are not limited to: -Cross-cultural IS studies -Frameworks/models for global information systems (GIS) -Development, evaluation and management of GIS -Information Resource Management -Electronic Commerce -Privacy & Security -Societal impacts of IT in developing countries -IT and Economic Development -IT Diffusion in developing countries -IT in Health Care -IT human resource issues -DSS/EIS/ES in international settings -Organizational and management structures for GIS -Transborder data flow issues -Supply Chain Management -Distributed global databases and networks -Cultural and societal impacts -Comparative studies of nations -Applications and case studies

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