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Now, artificial intelligence is knocking at the door, offering fintech a new lifeline - or a serious threat, depending on how the industry chooses to respond. 

Developing countries need many things to progress: investment in infrastructure and education, better healthcare, and stable democratic institutions - but one factor that’s often overlooked is financial exclusion.

For those who can get it right and navigate the additional complexities, there are huge upsides to be found in developing economies.