为无法融资的人提供银行服务：在识字率低的环境中应用 AI.pdf

1、Applying AI in Low Literacy SettingsLeveraging the power of AI to deliver essential banking services and products to underserved segmentsWho We AreFIA Global is Indias leading social impact fintech.We provide essential banking and financial services to the underserved and unserved in India,Nepal and

2、 Bangladesh.With over 45,000 agents and 45+financial partners,FIA has 97%of India and 95%of Nepal covered.23Definition of Low LiteracyThe inability to comprehend advanced texts and vocabulary.This means:“those with low literacy cannot use texts to extract and understand information or solve problems

3、,they read and write at or below the 8th grade level.”What is Low LiteracyIn the context of Financial Services,it means comprehension of digital tools is weak.Financial IlliteracySusceptibility to Fraud4Challenges Faced by the Un(der)servedIncreased susceptibility to fraud due to limited financial u

4、nderstanding.Financial illiteracy limits the ability to make informed decisions,hindering financial growth.Vulnerability to Fraud:Low literacy and digital illiteracy make the poor more prone to fraud.Detection Challenges:High-value fraud is caught easily,but low-value fraud goes unnoticed.5Bridging

5、The Gap With AI6Assisting the User ExperienceLow literacy requires an assisted journey.AI provides a guiding hand to help the un(der)served gain financial independence.Provide a fraud detection engine for transactionsTailor sachet investments through a personalization engineImplemented solutionsImpl

6、emented solutionsoFacial recognition Facial recognition of agents in low infra/resource poor settingsoAccommodative transactions Accommodative transactions model for tiny transactions/big dataoIncome model automation Income model automation