An Intelligent Self-Aware Financial Inclusion System for Digital Society

Abstract

The continuous advancement in technology has restructured industries, due to innovations in Artificial Intelligence (AI) the financial sector endorsing astonishing transformations. This research recognizes the potential of AI in fintech for digital society while focusing on the transition toward Industry 5.0, which is based on human-AI collaboration. AI technologies, such as Artificial Generative Intelligence (AGI) and Artificial Narrow Intelligence (ANI), are limited in handling intricate, vigorous financial environments. ANI has improved efficiency via credit risk assessment, customer service automation, and fraud detection, whereas AGI aims for more comprehensive decision-making capabilities. ANI and AGI are creating a gap in accomplishing a truly responsive, customer-centric system as it cannot fully adapt to subtle decision-making or erratic market shifts. This paper suggests a Super Artificial Intelligence (SAl) as a promising solution to overcome limitations, standing SAI-based design for a unified nifty digital financial system. Its forward-thinking decision-making proficiencies, self-learning, and flexibility are expected to transmute financial aligned with Industry 5.0's human-centered principles by providing adaptive services, enhancing financial inclusion and personalized. The study identifies key challenges in current AI applications, through a comprehensive review of literature and case studies, such as algorithmic errors and customer facility, and highlights how SAI could offer a more autonomous and ethical approach to financial decision-making. The paper concludes by underscoring the importance of continuous AI validation, ethical considerations, and human oversight to ensure sustainable, secure, and customer-focused financial systems.