innovators in low- andmiddle-income countries GSMA EmergingTech Programme The GSMA is a global organisation unifying the mobileecosystem to discover, develop and deliver innovationfoundational to positive business environments and societalchange. Our vision is to unlock the full power of connectivityso that people, industry and society thrive. Representingmobile operators and organisations across the mobileecosystem and adjacent industries, the GSMA delivers for itsmembers across three broad pillars: Connectivity for Good,Industry Services and Solutions, and Outreach. This activityincludes advancing policy, tackling today’s biggest societalchallenges, underpinning the technology and interoperabilitythat make mobile work, and providing the world’s largestplatform to convene the mobile ecosystem at the MWC andM360 series of events. The GSMAEmergingTech programmeaccelerates impactand climate action by fostering the adoption of AI andemerging technologies in low- and middle-income countries(LMICs) by working with public, private and third sectorinnovators to develop scalable and sustainable solutionsthat have inclusive and responsible AI at the core. TheEmerging Tech programme works closely with the GSMAAI for Impactinitiative to drive real-world, impact-focusedimplementation with telcos in LMICs. To get in touch with the Emerging Tech team, please email:emergingtech@gsma.com We invite you to find out more atgsma.com Author: Ibrahim Sajid (GSMA Mobile for Development) ||y Contributors: This initiative has been funded by UK InternationalDevelopment from the UK Government and the SwedishInternational Development Cooperation Agency (Sida).The views expressed do not necessarily reflect theirofficial policies. Eugénie Humeau (GSMA Mobile for Development)Zarah Udwadia (GSMA Mobile for Development)Daniele Tricarico (GSMA Mobile for Development) Acknowledgements: We would like to thank the many individuals andorganisations that contributed to this research. This includesEY,World Food Programme,World Bank,UNDP,GlobalPartnership for Sustainable Development Data (GPSDD),Tony Blair Institute,GenAI Fund,Rwanda Ministry of ICT andInnovation,Mozilla,Earth VC,KenCorpus,Gooey.ai,&frnds,InvestEd,Wysa,Niramai,Gringgo,LifeBank,SmartTerra,Kissan AI,Varaha,Khushi Baby,Trestle Labs,Cropin,Lengo,Jacaranda Health,Orca,Digital Green,Simprints,Kitovu,Husk Power Systems,Amini,Omdena,Ignitia,Glific,Mtabe,Ushahidi,Sunbird AI,Uplift AI,KNUST,Ada Health(MomConnect),LershaandMamaPesa. The report has been produced in partnership with DalbergAdvisors, a strategic advisory firm that works collaborativelyacross the public, private and philanthropic sectors to driveinclusive and sustainable growth. The firm has 29 locationsand has served clients in more than 135 countries. TheDalberg team behind this report includes Nick Whalley,Annette Chau and Felina Lottner. For more information, please visit:www.dalberg.com Contents Executive summary12The transformative potential of AI13Scalability and localisation14AI fundamentals and enabling environments14 AI for impact22AI for development: overview of use cases23A framework for case study analysis25Agriculture and climate action27Case study: FarmerChat by Digital Green27Case study: Varaha35Spotlight 1: The World Bank42Spotlight 2: Lersha43Digital health44Case study: PROMPTS by Jacaranda Health44Case study: LifeBank52Case study: Khushi Baby59 Humanitarian assistance and digital health67Case study: Simprints67Spotlight 3: Glific74Digital inclusion for assistive tech75Case study: Kibo by Trestle Labs75Spotlight 4: Uplift AI82Spotlight 5: KenCorpus83Fintech for education84Case study: InvestEd84Fraudtech/ Financial inclusion92Case study: Orca Fraud92Fraudtech/ Retail digitalisation and embedded finance98Case study: &frnds98Spotlight 6: GenAI Fund106Digital utilities and climate action107Case study: SmartTerra107Renewable energy115Case study: Husk Power Systems115Spotlight 7: Earth Venture Capital122Spotlight 8: UNDP - The AI Hub for Sustainable Development123 Acronyms and abbreviations Definitions Executivesummary Artificial intelligence (AI) is rapidly evolving frompromise to practice in low-and middle-incomecountries (LMICs), with tangible impacts in arange of sectors. From health and education toagriculture and energy, its ability to advance theUnited Nations Sustainable Development Goals(SDGs) has captured global attention and offersnew pathways for inclusive and sustainablegrowth in resource-constrained settings. Despite delivering both social and economicbenefits, there is still limited understanding ofhow AI is deployed. This report aims to fill thatgap by showcasing innovators that are harnessingthe capabilities of AI to address long-standingglobal development challenges, the technologiesenabling these efforts, the business models thatare making them sustainable and the challengesthey have encountered along the way. The transformative potential of AI Across LMICs in Africa, So