Nigeria has a significant gender financial inclusion gap with women disproportionately represented among the financially excluded. Artificial intelligence (AI) powered financial technologies (fintech) present distinctive advantages for enhancing women’s inclusion. This includes efficiency gains, reduced transaction costs, and personalized services tailored to women’s needs. Nonetheless, AI harbours a paradox. While it promises to address financial inclusion, it can also inadvertently perpetuate and amplify gender bias. The critical question is thus, how can AI effectively address the challenges of women’s financial exclusion in Nigeria? Using publicly available data, this research undertakes a qualitative analysis of AI-powered Fintech services in Nigeria. Its objective is to understand how innovations in financial services correspond to the needs of potential users like unbanked or underserved women. The research finds that introducing innovative financial services and technology is insufficient to ensure inclusion. Financial inclusion requires the availability, accessibility, affordability, appropriateness, sustainability, and alignment of services with the needs of potential users, and policy-driven strategies that aid inclusion.

In the literature, there are polarized views regarding the capabilities of technology to embed societal values. One aisle of the debate contends that technical artifacts are value-neutral since values are not peculiar to inanimate objects. Scholars on the other side of the aisle argue that technologies tend to be value-laden. With the call to embed ethical values in technology, this article explores how AI and other adjacent technologies are designed and developed to foster social justice. Drawing insights from prior studies, this paper identifies seven African moral values considered central to actualizing social justice; of these, two stand out—respect for diversity and ethnic neutrality. By introducing use case analysis along with the Discovery, Translation, and Verification (DTV) framework and validating via Focus Group Discussion, this study revealed novel findings: first, ethical value analysis is best carried out alongside software system analysis. Second, to embed ethics in technology, interdisciplinary expertise is required. Third, the DTV approach combined with the software engineering methodology provides a promising way to embed moral values in technology. Against this backdrop, the two highlighted ethical values—respect for diversity and ethnic neutrality—help ground the pursuit of social justice.

Discussions of the development and governance of data-driven systems have, of late, come to revolve around questions of trust and trustworthiness. However, the connections between them remain relatively understudied and, more importantly, the conditions under which the latter quality of trustworthiness might reliably lead to the placing of ‘well-directed’ trust. In this paper, we argue that this challenge for the creation of ‘rich’ trustworthiness, which we term the Trustworthiness Recognition Problem, can usefully be approached as a problem of effective signalling, and suggest that its resolution can be informed by a multidisciplinary approach that relies on insights from economics and behavioural ecology. We suggest, overall, that the domain specificity inherent to the signalling theory paradigm offers an effective solution to the TRP, which we believe will be foundational to whether and how rapidly improving technologies are integrated in the healthcare space. We suggest that solving the TRP will not be possible without taking an interdisciplinary approach and suggest further avenues of inquiry that we believe will be fruitful.

This study focuses on the practicalities of establishing and maintaining AI infrastructure, as well as the considerations for responsible governance by investigating the integration of a pre-trained large language model (LLM) with an organisation’s knowledge management system via a chat interface. The research adopts the concept of “AI as a constituted system” to emphasise the social, technical, and institutional factors that contribute to AI’s governance and accountability. Through an ethnographic approach, this article details the iterative processes of negotiation, decision-making, and reflection among organisational stakeholders as they develop, implement, and manage the AI system. The findings indicate that LLMs can be effectively governed and held accountable to stakeholder interests within specific contexts, specifically, when clear institutional boundaries facilitate innovation while navigating the risks related to data privacy and AI misbehaviour. Effective constitution and use can be attributed to distinct policy creation processes to guide AI’s operation, clear lines of responsibility, and localised feedback loops to ensure accountability for actions taken. This research provides a foundational perspective to better understand algorithmic accountability and governance within organisational contexts. It also envisions a future where AI is not universally scaled but consists of localised, customised LLMs tailored to stakeholder interests.

This article is a commentary on the relationship between artificial intelligence (AI), capitalism, and memory. The political policies of neoliberalism have reduced the capacity of individuals and groups to reflect on and change the social world, meanwhile applications of AI and algorithmic technologies, rooted in the profit-seeking objectives of global capitalism, deepen this deficit. In these conditions, memory in individuals and across society is at risk of becoming myopic. In this article, I develop the concept of myopic memory with two core claims. Firstly, I argue that AI is a technological development that cannot be divorced from the capitalist conditions from which it comes from and is implemented in service of. To this end, I reveal capitalism and colonialism's historical and contemporary use of surveillance as a way to control the populations it oppresses, imagining their pasts to determine their futures, disempowering them in the process. My second core claim emphasises that this process of disempowerment is undergoing an acute realisation four decades into the period of neoliberalism. Neoliberal policies have restructured society on the basis of being an individual consumer, leaving little time, space, and institutional capacity for citizens to reflect on their impact or challenge their dominance. As a result, with the growing role of AI and algorithmic technologies in shaping our engagement with society along similar lines of individualism, it is my conclusion that the scope of memory is being reduced and constrained within the prism of capitalism, reducing its potential, and rendering it myopic.

Eight major supply chains contribute to more than 50% of the global greenhouse gas emissions (GHG). These supply chains range from raw materials to end-product manufacturing. Hence, it is critical to accurately estimate the carbon footprint of these supply chains, identify GHG hotspots, explain the factors that create the hotspots, and carry out what-if analysis to reduce the carbon footprint of supply chains. Towards this, we propose an enterprise decarbonization accelerator framework with a modular structure that automates carbon footprint estimation, identification of hotspots, explainability, and what-if analysis to recommend measures to reduce the carbon footprint of supply chains. To illustrate the working of the framework, we apply it to the cradle-to-gate extent of the palm oil supply chain of a leading palm oil producer. The framework identified that the farming stage is the hotspot in the considered supply chain. As the next level of analysis, the framework identified the hotspots in the farming stage and provided explainability on factors that created hotspots. We discuss the what-if scenarios and the recommendations generated by the framework to reduce the carbon footprint of the hotspots and the resulting impact on palm oil tree yield.

This paper explores the necessary adaptations to the theory of administrative discretion when using AI systems. Regulatory frameworks in the EU, US, and Spain do not prohibit the application of AI in discretionary decision-making. Particularly, AI systems can be used when discretionary power involves correlations. However, to meet Rule of Law conditions, it is essential to establish adaptations and boundaries in areas such as duty of care, reason-giving, and judicial review. These conditions should focus on the impact of decisions on the affected individuals.

This paper aims at exploring the dynamic interplay between advanced technological developments in AI and Big Data and the sustained relevance of theoretical frameworks in scientific inquiry. It questions whether the abundance of data in the AI era reduces the necessity for theory or, conversely, enhances its importance. Arguing for a synergistic approach, the paper emphasizes the need for integrating computational capabilities with theoretical insight to uncover deeper truths within extensive datasets. The discussion extends into computational social science, where elements from sociology, psychology, and economics converge. The application of these interdisciplinary theories in the context of AI is critically examined, highlighting the need for methodological diversity and addressing the ethical implications of AI-driven research. The paper concludes by identifying future trends and challenges in AI and computational social science, offering a call to action for the scientific community, policymakers, and society. Being positioned at the intersection of AI, data science, and social theory, this paper illuminates the complexities of our digital era and inspires a re-evaluation of the methodologies and ethics guiding our pursuit of knowledge.