The Role Of Blockchain And Ai In Driving Financial Inclusion In Developing Countries Through Digital Infrastructure
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Abstract
Developing countries face challenges in the adoption of advanced technologies such as blockchain and AI due to
infrastructure limitations. This limited access to technology hinders the integration of people in an inclusive digital
economy. The purpose of the study was to analyze the role of blockchain in enhancing financial inclusion and
environmental sustainability through digital integration that supports green economy and energy efficiency in
developing countries. The research methodology used a qualitative approach with a literature review method. The
researcher collected and analyzed data from journals, identified key themes, and interpreted the interrelationships
between themes in the advanced technology-based digital economy. The results of this study found that blockchain
technology and AI have great potential in promoting financial inclusion and economic efficiency in developing
countries. The challenge of uneven infrastructure in many regions is a major obstacle, especially in the application of
blockchain and AI as a means of increasing productivity. On the other hand, the adoption of these technologies requires
a comprehensive approach to create regulations that are in line with the needs of the digital market and sufficient
security. The success of blockchain adoption in financial inclusion is also influenced by the readiness of the public to
adapt to this technology, which still requires a comprehensive increase in digital literacy. This study concludes that
blockchain and AI support financial inclusion by expanding access to affordable services. Flexible regulations and
public-private sector collaboration are needed to overcome structural challenges.
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