AI & Machine learning for digital VAS.

How AI and ML are powering digital value-added services in emerging markets

Emerging economies are rapidly becoming global hubs for digital innovation. With fast-growing populations and increasing mobile connectivity, these regions present vast opportunities for businesses to deliver services that can profoundly enhance the quality of life for millions of people.

At the forefront of this wave of innovation are Artificial Intelligence (AI) and Machine Learning (ML), technologies in which Airvantage excels. These powerful tools are not only refining the user experience but are also ensuring that value-added services (VAS) are accessible, affordable, and culturally relevant, including support for multiple languages.

The diversity of consumer needs and preferences in emerging markets requires personalised approaches. Airvantage’s leading-edge AI and ML technologies enable businesses to meet this challenge by delivering personalised experiences at scale. Through sophisticated algorithms, Airvantage analyses datasets to understand user behaviour, preferences, and usage patterns. This deep understanding allows them to offer a range of VAS that resonate with individual users, driving higher engagement and customer satisfaction.

One of the most profound impacts of AI and ML in these regions is their role in expanding financial inclusion. In areas where access to traditional banking is limited, digital financial services powered by AI are filling the gap. Airvantage’s machine learning algorithms leverage non-traditional data sources to assess creditworthiness and provide tailored microloans to both consumers and merchants.

AI also plays a crucial role in enhancing access to other essential services:

• Utility vouchers: machine learning predicts utility usage and identifies households most in need of assistance, ensuring that vouchers are distributed effectively.
• Optimised distribution: AI optimises the voucher distribution process, reducing administrative overhead and ensuring that support reaches the intended recipients quickly and efficiently.
• Risk management: AI assesses the risk of non-payment and ensures that vouchers are used efficiently by those who need them most.

Another area where AI and ML are making a significant impact is in Buy Now Pay Later (BNPL) services. As these services gain popularity, AI customises BNPL plans based on user behaviour, income levels, and spending habits, making them more accessible and affordable for under-served populations.

At Airvantage, AI and ML are not just tools for innovation—they are essential in the pursuit of sustainable development and inclusive growth, improving livelihoods and strengthening communities across the globe.

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