{"product_id":"beyond-inclusion-fintechs-ai-inflection-point-9781970853827","title":"Beyond Inclusion: Fintech's AI Inflection Point","description":"\u003cp\u003e • Author(s): Tadiwanashe Muganyi\u003cbr\u003e • Publisher: Book Publishing Wizards\u003cbr\u003e • Publisher Imprint: Book Publishing Wizards\u003cbr\u003e • BISAC: Commercial Policy\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eIn 2015, a woman in rural Zimbabwe stood at the edge of the formal financial system with nothing more than a cracked handset and a USSD code. She dialed a short sequence, and for the first time, she could see her money - clearly, instantly, and without permission from anyone.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cem\u003eBeyond Inclusion: Fintech's AI Inflection Point\u003c\/em\u003e begins there, and then asks the harder question: what happens next?\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eDrawing on original empirical research across 290 Chinese cities and 85 European banks, Dr. Tadiwanashe Muganyi argues that we are no longer living in the era of fintech as access. We have crossed into something more consequential, and more dangerous.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eArtificial intelligence is not simply extending financial services. It is redefining how decisions are made within them: who gets credit, at what cost, and under what assumptions about risk, behavior, and identity.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eThis book shows how fintech expanded financial inclusion at scale, and why AI now threatens to reshape that progress in ways we do not yet fully understand. It reveals a paradox at the heart of AI adoption: that it raises systemic risk before it reduces it. And it confronts the uncomfortable truth that the same systems designed to empower can also exploit, discriminate, and concentrate power.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eWritten with analytical precision and narrative clarity, this book is for policymakers, practitioners, and anyone serious about the future of money.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eBecause the question is no longer whether finance will change.\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003eIt is who that change will serve. \u003c\/p\u003e","brand":"Book Publishing Wizards","offers":[{"title":"Paperback","offer_id":47882891133079,"sku":"9781970853827","price":1229.0,"currency_code":"INR","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0666\/3471\/1191\/files\/9781970853827.webp?v=1781097816","url":"https:\/\/atlanticbooks.com\/products\/beyond-inclusion-fintechs-ai-inflection-point-9781970853827","provider":"Atlantic Books","version":"1.0","type":"link"}