Advancing Financial Inclusion through AI: Science Mapping and Future Research Prospective through Bibliometric Analysis

Artificial intelligence (AI) is transforming financial inclusion by improving accessibility, efficiency, and cost of financial services, especially for marginalised communities. This paper does a bibliometric analysis to evaluate research trends, principal authors, and theme advancements in AI-driven financial inclusion.

This study employs bibliometric analysis of research publications obtained from the Dimensions database. Critical metrics like citation frequency, author influence, institutional contributions, and research output by country are analysed. Co-authorship networks and journal impact are examined to discern prevailing research clusters and developing trends within the discipline.

The data indicates a substantial increase in research on AI-driven financial inclusion, with China, India, and the United States in the forefront of publication output. Prominent publications like Environmental Science and Pollution Research and Sustainability are essential for the dissemination of knowledge. Prominent authors such as Satish Kumar and Emmanuel Mogaji have made significant contributions to AI applications in ntech, mobile banking, and financial literacy. The research clusters emphasise multidisciplinary interactions across finance, technology, and policy-making.

This report offers insights for researchers, policymakers, and financial institutions by pinpointing significant advancements in AI-facilitated financial inclusion. The results underscore the necessity for regulatory frameworks, ethical AI practices, and technology-based financial literacy initiatives to guarantee fair financial access.

The Bibliometric framework is one first steps to define artificial intelligence in financial inclusion. It provides important new perspectives on research trends, important players, and future prospects, therefore laying a foundation for further research and policy projects in this emerging sector.