As algorithms shape financial inclusion, accountability must keep pace

While public attention remains fixed on artificial intelligence (AI) tools that write, generate, and automate tasks, a more consequential transformation is quietly unfolding across Nigeria’s digital economy: algorithms are beginning to make decisions that affect people’s financial lives. AI is increasingly being used to make decisions rather than merely assist humans. In Nigeria’s fast-growing fintech sector, algorithms are beginning to influence who gets access to credit, how customers are asse