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<p>This paper analyses the role of Artificial Intelligence (AI) in FinTech innovation and financial inclusion through a more global, firm-level approach, rather than the predominantly regional or sector-based studies. Based on the Theory of Technology Adoption and Rogers’s Innovation Diffusion Theory, the study develops a layered model of the relationships among firm-level AI capabilities, technological innovation outcomes, and, consequently, financial inclusion. We examine the relationships using a stratified random sample of 300 FinTech firms operating across over 15 countries and various FinTech verticals, employing Ordinary Least Squares regression, moderation analysis, and a variety of robustness checks. The findings indicate that the integration of AI has a positive and significant relationship with both FinTech innovation (β = 0.42, <i>p</i> &lt; 0.01) and financial inclusion outcomes (β = 0.35, <i>p</i> &lt; 0.01), which means that the capabilities AI allows promote operational innovation and increase the number of people who can avail themselves of financial services, especially underserved groups. Although interpreted obstacles to AI adoption have a direct effect on innovation and inclusion outcomes, they do not mediate the underlying relationships, implying that implementation barriers cannot undermine the transformative power of AI. The study’s contribution is the advancement of a combined theoretical framework. It presents cross-country empirical evidence, is based on an AI-integration index that can be replicated, and offers policy-relevant insights into how regulatory frameworks and privacy-friendly methods could be used to promote innovative and inclusive financial systems.</p>

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The Impact of Artificial Intelligence on Fintech Innovation and Financial Inclusion: A Global Perspective

  • 期刊论文

  • 发表日期：

    2026年7月10日

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  • Arthur William Fodouop Kouam

摘要

This paper analyses the role of Artificial Intelligence (AI) in FinTech innovation and financial inclusion through a more global, firm-level approach, rather than the predominantly regional or sector-based studies. Based on the Theory of Technology Adoption and Rogers’s Innovation Diffusion Theory, the study develops a layered model of the relationships among firm-level AI capabilities, technological innovation outcomes, and, consequently, financial inclusion. We examine the relationships using a stratified random sample of 300 FinTech firms operating across over 15 countries and various FinTech verticals, employing Ordinary Least Squares regression, moderation analysis, and a variety of robustness checks. The findings indicate that the integration of AI has a positive and significant relationship with both FinTech innovation (β = 0.42, p < 0.01) and financial inclusion outcomes (β = 0.35, p < 0.01), which means that the capabilities AI allows promote operational innovation and increase the number of people who can avail themselves of financial services, especially underserved groups. Although interpreted obstacles to AI adoption have a direct effect on innovation and inclusion outcomes, they do not mediate the underlying relationships, implying that implementation barriers cannot undermine the transformative power of AI. The study’s contribution is the advancement of a combined theoretical framework. It presents cross-country empirical evidence, is based on an AI-integration index that can be replicated, and offers policy-relevant insights into how regulatory frameworks and privacy-friendly methods could be used to promote innovative and inclusive financial systems.