人工智能包容性报告——AI赋能普惠金融

November 2025 Contents Foreword Chapter 1: AI Inclusion at A Turning Point3 Chapter 2: Emerging Trends in AI Inclusion Trend 1: Democratization of AI EmergesTrend 2: Building AI Literacy and Confidence as a Core CompetencyTrend 3: Balancing Innovation with Responsibility in AI Chapter 3: The Time To Act is Now Turning AI Into Opportunities for SMEs Final Thoughts Foreword AI is reshaping the global economy today, but its benefits remain unevenly distributed, leaving many SMEsat risk of exclusion. This imbalance highlights why artificial intelligence—especially Generative AI—can serveas a bridge to the future. In fintech, the outlines of this bridge are already evident. AI is making cross-border To ensure that AI leads to a financial future that benefits all, five guiding principles are shaping its development: widening access for the underserved, enhancingfinancial literacy and confidence, ensuring theresponsible use of AI with robust risk management, fostering openpublic–private collaboration,andnurturing AI talent and capabilitiesfor tomorrow's needs. Together, these principles turn AI from adisruptive tool into the pathway connecting today's challenges with a more trusted and equitable financial Building on this foundation, we explore how AI is already driving tangible impact across different sectors,from improving financial resilience to expanding access to credit and inclusion. Looking ahead, sustained andcoordinated efforts among businesses, policymakers and innovators will be critical to maintain momentum andclose gaps further. By working together, stakeholders can accelerate the responsible adoption of AI and ensure Chapter 1: AI Inclusion at A Turning Point Globally, approximately 78% of companies have integrated some form of AI technology into their core businessoperations—a staggering increase from just 32% in 2020.1However, adoption varies sharply across regions.Advanced economies are rapidly integrating AI while many developing regions lag due to limited infrastructure, The uneven pace of AI adoption across regions carries important implications for SMEs. Companies operatingin regions with advanced AI integration are better positioned to capture new market opportunities. Incontrast, SMEs in regions with slower adoption face the risk of struggling to keep up with evolving customerexpectations. Three major challenges stand in the way: (1) gaps in technology infrastructure, (2) shortages of Disconnect in coordination and supportin the AI ecosystem among private and Gaps in technology infrastructure The lack of comprehensive access to affordableAI software, scalable IT infrastructure, robustcybersecurity and the cost of integrating AI withexisting legacy infrastructure are among some of thekey factors that restrict AI adoption for SMEs. Theserestrictions make it tough for SMEs to automatetheir operations, use predictive analytics, or scale AIsolutions. According to the OECD, only 8% of SMEs Many SMEs face structural challenges in accessing thebroader AI ecosystem, including supportive policies,regulatory guidance and collaborative networks.OECD research shows that only 18% of SMEs areaware of government support on offer relatingto digital adoption, limiting their ability to benefitfrom available programs.4At the same time, accessto industry alliances, incubators and shared R&D Shortages of talent and skills The five guiding principles of AI inclusion A shortage of AI-related skills is also a key obstaclefor SMEs. Globally, only 12% of SMEs have trainedtheir staff on AI, while 52% reported a lack of internalskills as a major challenge.3This shortfall hamperstheir ability to efficiently deploy, scale and manageAI technologies, thereby diminishing the optimal Addressing these gaps requires the help of the fiveguiding principles of AI inclusion - widening accessfor the underserved, enhancing financial literacyand confidence, ensuring the responsible use ofAI with robust risk management, fostering open •Widening access for the underservedensures that AI-driven tools and services are accessibleto businesses of all sizes and backgrounds, meeting diverse needs. •Enhancing financial literacy and confidenceequips SMEs with the knowledge to makeinformed decisions about adopting and using AI technologies. •Ensuring the responsible use of AI with robust risk managementbuilds trust andsafeguards against misuse or unintended harm. •Fostering open public–private collaborationpromotes scalable innovation by leveragingshared expertise and resources. •Nurturing AI talent and capabilities develops the skills necessary to sustain long-term growthand competitiveness. Together, these principles form a cohesive foundation that enables SMEs to adopt AI with confidence. Chapter 2:Emerging Trends in AI Inclusion Emerging trends in AI are increasingly reflecting the five guiding principles of AI inclusion, demonstrating aglobal shift toward systems that are not only technologically advanced bu