Manuscript Number : GISRRJ247619

A Model for Financial Automation in Developing Economies: Integrating AI with Payment Systems and Credit Scoring Tools

Authors(4) :-Ayodeji Ajuwon, Tolulope Joyce Oladuji, Abiola Oyeronke Akintobi, Omoniyi Onifade

Developing economies often face significant barriers to financial inclusion and efficiency, including limited banking infrastructure, poor credit access, and fragmented payment ecosystems. This paper proposes a comprehensive model for financial automation tailored to the unique challenges of developing economies by integrating artificial intelligence (AI) with digital payment systems and credit scoring tools. The objective is to enhance transaction efficiency, expand access to formal credit, and strengthen the financial resilience of individuals and small businesses. The proposed model comprises three interconnected modules: an AI-enhanced payment gateway, a machine learning-based credit scoring engine, and a central financial intelligence dashboard. The AI-powered payment gateway supports interoperability across mobile money platforms, traditional banks, and fintech solutions, enabling seamless real-time transactions. The credit scoring engine leverages supervised learning algorithms and alternative data such as mobile phone usage, utility payments, social media activity, and transaction history to generate accurate creditworthiness profiles for unbanked and underbanked populations. These scores are dynamically updated to reflect behavioral trends, thereby promoting responsible financial behavior. The integrated financial intelligence dashboard provides regulators, financial service providers, and policymakers with real-time analytics on credit trends, transaction volumes, financial risk exposures, and inclusion metrics. Pilot tests in selected sub-Saharan African and Southeast Asian markets demonstrate increased lending efficiency, reduced transaction costs, and improved access to credit for informal sector participants. The model supports the development of inclusive digital economies by promoting trust, transparency, and scalability. This research contributes to the evolving discourse on financial innovation and development by demonstrating how AI can drive inclusive financial ecosystems. By automating key financial processes and expanding the reach of credit scoring mechanisms, the model addresses long-standing barriers in financial access and capital flow. It also aligns with the UN Sustainable Development Goals (SDGs), particularly goals related to poverty reduction, gender equality, and economic growth. The paper concludes with strategic recommendations for implementation, scalability, and regulatory oversight in low- and middle-income countries.

Authors and Affiliations

Ayodeji Ajuwon
Steward Inc., Delaware, USA
Tolulope Joyce Oladuji
Adenia Partners, Beau Plan, Mauritius
Abiola Oyeronke Akintobi
Independent Researcher, Lagos, Nigeria
Omoniyi Onifade
CliftonLarsonAllen, Minneapolis, MN, USA

Financial Automation, Artificial Intelligence, Credit Scoring, Payment Systems, Developing Economies, Financial Inclusion, Machine Learning, Digital Finance, Fintech Integration, Sustainable Development

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Publication Details

Published in : Volume 7 | Issue 6 | November-December 2024
Date of Publication : 2024-12-20
License:  This work is licensed under a Creative Commons Attribution 4.0 International License.
Page(s) : 161-205
Manuscript Number : GISRRJ247619
Publisher : Technoscience Academy

ISSN : 2582-0095

Cite This Article :

Ayodeji Ajuwon, Tolulope Joyce Oladuji, Abiola Oyeronke Akintobi, Omoniyi Onifade, "A Model for Financial Automation in Developing Economies: Integrating AI with Payment Systems and Credit Scoring Tools", Gyanshauryam, International Scientific Refereed Research Journal (GISRRJ), ISSN : 2582-0095, Volume 7, Issue 6, pp.161-205, November-December.2024
URL : https://gisrrj.com/GISRRJ247619

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