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In 2007, a Kenyan farmer named Wanjiru had never set foot in a bank. The nearest branch was a couple of hours away. The fees were too high. The paperwork assumed a financial history she did not have. Then a basic Nokia phone changed everything. With M-Pesa, launched that same year by Safaricom, she could send and receive money in minutes. No branch, no credit history, no legacy system to navigate, because there was no legacy system at all. Africa did not fix its banking probl

Figure 1. Conceptual illustration of artificial intelligence and human collaboration, representing the growing integration of AI technologies into business, finance, and decision-making processes. Source: Getty Images. For decades, Wall Street has followed the same script: long hours, Excel models, and endless stock pitches. First year analysts, often freshly graduated, have been tasked with repetitive, detail oriented work that is the driving factor behind high stake financi