DeFi Microlending: Finance for the Unbanked. How AI Improves Credit Risk Analysis in Regions Without Banking Access
M. Muñoz
M. Muñoz
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151
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About this ebook
Billions of people around the world remain excluded from traditional financial systems, not because they lack economic activity or the will to build better lives, but because the infrastructure that connects individuals to credit, savings, and investment simply does not reach them. This book examines the intersection of decentralized finance and artificial intelligence as a practical response to that exclusion. It explains how DeFi protocols allow communities to access microlending without requiring a bank account, a credit history, or even a fixed address, and how modern AI models are learning to assess creditworthiness from alternative data sources such as mobile payment behavior, agricultural output records, and community reputation systems. Readers will find a clear-eyed analysis of the technical foundations, the regulatory landscape, and the real-world pilots already underway in Sub-Saharan Africa, South and Southeast Asia, and Latin America. The book is written for development economists, fintech practitioners, policy advisors, and informed general readers who want to understand not just the promise of this technology but also its genuine risks, limitations, and governance challenges. It presents evidence-based projections and case studies without overstating what is currently possible, offering a grounded and responsible perspective on one of the most consequential financial frontiers of our time. Finances 360 - Ed. 2026 | Miguel A. Muñoz
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Billions of people around the world remain excluded from traditional financial systems, not because they lack economic activity or the will to build better lives, but because the infrastructure that connects individuals to credit, savings, and investment simply does not reach them. This book exam...
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