ISSN2320-2882
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Paper Title
AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES
Authors
Dr. Kristin Marian Martin, Ph.D , Jessica Gabriella G , Pravalika T S
Keywords
financial inclusion, impact investing, AI, social finance, financial literacy
Abstract
Artificial Intelligence (AI) has become a disruptive force in global finance by
providing instruments that improve capital availability, efficiency, and decision-making. The
advantages of AI-driven financial technology have not been shared equally, especially by
marginalized communities that are still shut out of conventional financial systems, despite their
explosive expansion. This study investigates how AI might serve as a conduit between
financially marginalized groups and impact investors, who are looking for both financial and
social benefits. AI can evaluate creditworthiness without the use of conventional collateral,
find high-impact investment possibilities, and improve transparency across the investment
lifecycle by utilizing machine learning models, predictive analytics, and natural language
processing. While critically analyzing related risks such algorithmic bias, data privacy issues,
and ethical governance, this article seeks to assess AI's potential to promote equitable financial
inclusion. In the end, it offers a conceptual framework for the ethical application of AI that
harmonizes financial sustainability with social impact goals, promoting a more open and
transparent investment environment.
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How To Cite
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IJCRT — journal style
"AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES", IJCRT - International Journal of Creative Research Thoughts (www.ijcrt.org), ISSN:2320-2882, Vol.13, Issue 10, page no.c941-c957, October 2025, Available :https://ijcrt.org/papers/IJCRT2510350.pdf
APA — 7th edition
Dr. Kristin Marian Martin, P. D., G, J. G., & S, P. T. (2025). AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES. International Journal of Creative Research Thoughts, 13(10), c941-c957. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510350
MLA — 9th edition
Dr. Kristin Marian Martin, Ph.D, et al. "AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES." International Journal of Creative Research Thoughts, vol. 13, no. 10, 2025, pp. c941-c957, https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510350.
Chicago — 17th, bibliography
Dr. Kristin Marian Martin, Ph.D, Jessica Gabriella G, and Pravalika T S. "AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES." International Journal of Creative Research Thoughts 13, no. 10 (2025): c941-c957. https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510350.
Harvard — author–date
Dr. Kristin Marian Martin, P.D., G, J.G. and S, P.T. (2025) 'AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES', International Journal of Creative Research Thoughts, 13(10), pp. c941-c957. Available at: https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510350
IEEE — numbered reference
P. D. Dr. Kristin Marian Martin, J. G. G and P. T. S, "AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES," IJCRT, vol. 13, no. 10, pp. c941-c957, Oct. 2025.
Vancouver — biomedical
Dr. Kristin Marian Martin PD, G JG, S PT. AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES. IJCRT. 2025 Oct;13(10):c941-c957.
AMA — 11th edition
Dr. Kristin Marian Martin PD, G JG, S PT. AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES. IJCRT. 2025;13(10):c941-c957. Accessed at https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510350
BibTeX — Zotero, Mendeley, LaTeX
@article{IJCRT2510350,
author = {Ph.D Dr. Kristin Marian Martin and Jessica Gabriella G and Pravalika T S},
title = {AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES},
journal = {International Journal of Creative Research Thoughts},
volume = {13},
number = {10},
pages = {c941-c957},
year = {2025},
month = {October},
issn = {2320-2882},
url = {https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510350}
}
RIS — EndNote, RefWorks
TY - JOUR
AU - Dr. Kristin Marian Martin, Ph.D
AU - G, Jessica Gabriella
AU - S, Pravalika T
TI - AI FOR FINANCIAL INCLUSION: BRIDGING THE GAP BETWEEN IMPACT INVESTORS AND UNDESERVED COMMUNITIES
T2 - International Journal of Creative Research Thoughts
JA - IJCRT
VL - 13
IS - 10
PY - 2025
SN - 2320-2882
UR - https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510350
SP - c941-c957
ER -
Issue
Volume 13 Issue 10,
October-2025
Pages : c941-c957
Article Information
- Published In
- International Journal of Creative Research Thoughts — Volume 13, Issue 10, October 2025
- Pages
- c941-c957
- Published
- October 2025
- Registration ID
- IJCRT_294643
- Published Paper ID
- IJCRT2510350
- Research Area
- Commerce All
- Author Type
- Indian Author
- Location
- Chennai, Tamilnadu, India
- Peer Review
- Request Peer Review Report
- Licence
- CC BY 4.0 · Open Access
- ISSN & Impact Factor
- 2320-2882 · IF 9.17
- Downloads
- 189
- Permanent Link
- https://ijcrt.org/viewpaperforall.php?paper=IJCRT2510350
- Published Paper PDF
- https://ijcrt.org/papers/IJCRT2510350.pdf
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International Journal of Creative Research Thoughts
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The authors would like to thank the reviewers and the editorial board of International Journal of Creative Research Thoughts for their careful reading and constructive comments, and all colleagues who supported the preparation of this manuscript.
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