The World Bank's Global Findex 2025 counts 1.3 billion adults without a financial account. Roughly 900 Mn of them own a mobile phone; about 530 million carry a smartphone. Half the world's unbanked live in just eight economies - five of them OIC member states. So, arguably, distribution is largely solved. What isn't solved is underwriting someone with no credit file, no collateral and no formal income - and doing it within Shariah constraints that rule out the interest-rate pricing conventional risk models are built on. That is where AI earns its keep, or doesn't. This panel makes the case for technology as the engine of shared prosperity and is honest about the part that's still hard.
Jahon bankining “Global Findex-2025” hisobotiga ko‘ra, 1,3 milliard muomala layoqatiga ega aholining moliyaviy hisobraqami yo‘q. Ularning qariyb 900 millioni mobil telefonga, taxminan 530 millioni esa smartfonga ega. Dunyoda bank xizmatlaridan foydalanmaydigan aholining yarmi atigi sakkizta mamlakatda istiqomat qiladi, ulardan beshtasi esa Islom hamkorlik tashkilotiga (IHT) a’zo davlatlardir. Shunday ekan, ma’lum ma’noda, xizmatlarni keng ommaga yetkazish masalasi asosan hal etilgan. Ammo hali yechilmagan asosiy muammo – kredit tarixi mavjud bo‘lmagan, garov taqdim eta olmaydigan va rasmiy daromadga ega bo‘lmagan shaxslarning kreditga layoqatini baholash hamda buni foiz stavkasiga asoslangan an’anaviy tavakkalchilik modellaridan foydalanishni cheklovchi shariat talablari doirasida amalga oshirishdir.Aynan shu nuqtada sun’iy intellekt o‘zining haqiqiy samaradorligini namoyon etadi — yoki aksincha, kutilgan natijani bera olmaydi. Ushbu panelda texnologiya umumiy farovonlikni ta’minlaydigan asosiy harakatlantiruvchi kuch sifatida ko‘rib chiqiladi. Shu bilan birga, bu yo‘nalishda hanuz murakkab va yechimini kutayotgan masalalar ham ochiq va xolis muhokama qilinadi.
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