印度的AI框架促进了小银行获得AI工具,用于信贷、欺诈检测和包容性银行业务。 India's AI framework boosts small banks' access to AI tools for credit, fraud detection, and inclusive banking.

印度的国家AI生态系统得到印度AI飞行任务和DPDP法等倡议的支持,正在通过提供共享的基础设施、数据和监管指导来降低小型金融机构采用AI的障碍。 India’s national AI ecosystem, backed by initiatives like the IndiaAI Mission and DPDP Act, is lowering barriers for small financial institutions to adopt AI by providing shared infrastructure, data, and regulatory guidance. 格兰特·桑顿·巴达报告指出,目前只有20%的金融实体使用人工智能, A Grant Thornton Bharat report notes that only 20% of financial entities currently use AI, mostly basic models, but the framework aims to expand access to credit scoring, fraud detection, and personalized banking—especially in underserved areas. 随着人工智能成为受监管的基础设施, 要求董事会层面的监督, 模式透明度和公平性正在增长. The push for board-level oversight, model transparency, and fairness is growing as AI becomes regulated infrastructure. 尽管在数据质量、人才和官僚主义方面仍然存在挑战,但该倡议支持通过公私协作实现包容性的芬基技术增长。 While challenges remain in data quality, talent, and bureaucracy, the initiative supports inclusive fintech growth through public-private collaboration.