Synopsis
In 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.
Beyond Inclusion: Fintech’s AI Inflection Point begins there, and then asks the harder question: what happens next?
Drawing 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.
Artificial 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.
This 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.
Written with analytical precision and narrative clarity, this book is for policymakers, practitioners, and anyone serious about the future of money.
Because the question is no longer whether finance will change.
It is who that change will serve.
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Beyond Inclusion (Paperback)
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Paperback. Etat : new. Paperback. In 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.Beyond Inclusion: Fintech's AI Inflection Point begins there, and then asks the harder question: what happens next?Drawing 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.Artificial 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.This 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.Written with analytical precision and narrative clarity, this book is for policymakers, practitioners, and anyone serious about the future of money.Because the question is no longer whether finance will change.It is who that change will serve. This item is printed on demand. Shipping may be from multiple locations in the US or from the UK, depending on stock availability. N° de réf. du vendeur 9781970853827
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Paperback. Etat : new. Paperback. In 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.Beyond Inclusion: Fintech's AI Inflection Point begins there, and then asks the harder question: what happens next?Drawing 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.Artificial 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.This 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.Written with analytical precision and narrative clarity, this book is for policymakers, practitioners, and anyone serious about the future of money.Because the question is no longer whether finance will change.It is who that change will serve. This item is printed on demand. Shipping may be from our Sydney, NSW warehouse or from our UK or US warehouse, depending on stock availability. N° de réf. du vendeur 9781970853827
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Paperback. Etat : new. Paperback. In 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.Beyond Inclusion: Fintech's AI Inflection Point begins there, and then asks the harder question: what happens next?Drawing 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.Artificial 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.This 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.Written with analytical precision and narrative clarity, this book is for policymakers, practitioners, and anyone serious about the future of money.Because the question is no longer whether finance will change.It is who that change will serve. This item is printed on demand. Shipping may be from our UK warehouse or from our Australian or US warehouses, depending on stock availability. N° de réf. du vendeur 9781970853827
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Beyond Inclusion : Fintech's AI Inflection Point
Edité par
Book Publishing Wizards, 2026
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ISBN 13 : 9781970853827
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Taschenbuch. Etat : Neu. nach der Bestellung gedruckt Neuware - Printed after ordering - In 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.Beyond Inclusion: Fintech's AI Inflection Point begins there, and then asks the harder question: what happens next Drawing 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.Artificial 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.This 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.Written with analytical precision and narrative clarity, this book is for policymakers, practitioners, and anyone serious about the future of money.Because the question is no longer whether finance will change.It is who that change will serve. N° de réf. du vendeur 9781970853827
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Beyond Inclusion | Fintech's AI Inflection Point
Edité par
Book Publishing Wizards, 2026
ISBN 10 : 1970853824
ISBN 13 : 9781970853827
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