AI-Driven Biometric Solutions: Revolutionizing Financial Inclusion for Undocumented Populations

Manwani, Prakash (2025) AI-Driven Biometric Solutions: Revolutionizing Financial Inclusion for Undocumented Populations. Global Journal of Engineering and Technology Advances, 23 (3). pp. 125-130. ISSN 2582-5003

Financial exclusion persists as a global challenge affecting unbanked adults worldwide, particularly in developing economies. AI-powered biometric identification systems offer transformative solutions by providing secure, verifiable digital identities. The IncluPay system demonstrates successful implementation in refugee settings, enabling secure humanitarian aid distribution while maintaining minimal fraud rates. The integration of advanced machine learning algorithms with alternative data sources establishes creditworthiness for individuals lacking traditional documentation. This technological innovation combines offline processing capabilities, blockchain security, and privacy-preserving computation to serve marginalized populations effectively, setting new standards for inclusive financial technology solutions.