Page 585 - AI for Good Innovate for Impact

AI for Good Innovate for Impact

Use Case- 5: AI-Driven Financial Inclusion with Enhanced Consumer

Protection via Mobile Networks in Zambia 4.6: Finance

Country: Zambia

Organization: Zambia Telecommunications Company (Zamtel)

Contact Person: Paul Chiluba Cheche, paul.cheche@ zamtel .co .zm, paulcche2@ gmail .com

1 Use Case Summary Table

Item Details
Category Finance

Problem Limited access to formal financial services for Small and Medium-sized
Addressed Enterprises (SMEs), farmers and marginalized populations; high vulnera-
bility to mobile-money fraud and low financial literacy.

Key Aspects of AI-driven alternative credit scoring using anonymized mobile transaction
Solution data;

Real-time fraud detection & prevention via Machine Learning (ML)
anomaly detection;

AI-powered Natural Language Processing (NLP) chatbots for financial
literacy & dispute resolution.

Technology AI, ML, NLP, Mobile Money, USSD, SMS, Data Analytics, Biometrics
Keywords
Data Availability Private

Metadata (Type of Zamtel Transaction logs, CDRs, app usage data, SMS/USSD content, demo-
Data) graphic profiles, literacy assessment responses

Model Training & ML Supervised classification/regression (credit scoring); anomaly detection
Fine-Tuning (fraud); transformer-based NLP fine-tuned on English and Local language
datasets

Testbeds or Pilot Initial pilot within the Zamtel network
Deployments

549