Financial services are on the brink of a major transformation driven by artificial intelligence (AI). With applications ranging from customer experience enhancement to risk management, AI is reshaping finance in unprecedented ways. This transformative journey, however, is not without its challenges, especially in managing data complexity and ensuring robust governance.

For businesses, sustainable finance is not just another buzzword or box to check — it is crucial for resilience and long-term success. Sustainable finance refers to the integration of environmental, social, and governance (ESG) factors into investment decisions. Companies that overlook ESG issues, such as climate change, risk losing competitiveness, revenue, and even viability.

Financial inclusion refers to the availability and equity of access to financial services. Over the past decade, significant progress has been made in improving access to banking, loans, investments, and insurance through simplified processes, intuitive digital interfaces, and flexible options. However, data and technology remain key to advancing financial inclusion and unlocking economic opportunities for more people and businesses worldwide.

Embedded finance is reshaping the financial services landscape by integrating financial products into non-financial sectors. From e-commerce to telecommunications, embedded finance provides a seamless experience for customers by offering banking, lending, insurance and payment services within existing platforms.