The Role of Fintech in Developing the Algerian Banking Sector Lessons Learned from Global Models to Strengthen Financial Inclusion

Financial institutions in emerging markets are key to local economies and their development. The application of artificial intelligence technology works to enhance their sustainability and increase their effectiveness. This technology represents a smart addition to the financial services sector by improving credit analysis processes, enhancing risk prediction, and increasing security in financial transactions. The research paper aims to explore the impact of applying artificial intelligence technology on financial institutions in emerging markets. After reviewing the theoretical foundations of relevant variables, this research provides examples of successful experiences in applying artificial intelligence technology in this context. The results from this study have shown that implementing artificial intelligence technology in financial institutions represents an ideal solution to address the growing challenges in financial operations and their complexity. Artificial intelligence contributes to providing sustainable financial services around the clock, leading to an increase in the number of clients and higher revenues for these institutions.