If you're running a financial services firm and want to promote digital transformation, you need to determine what areas need transformation. "In all honesty, what areas don't need transformation? The financial services industry is lagging behind other consumer-centric industries in several ways." All transformations should have one goal: delivering to the customer, ultimately enriching their relationships with banks and nonbanks. "You can't change anything for the better if everyone doesn't have equal access to capital. Credit decisions should be fair, inclusive, and made in a way that considers the whole picture of a person." Here are some ways AI can help ensure more equitable access to financial services: The AISHE system is an AI-based automated trading system that can potentially provide more accessible and fairer access to financial services by offering an alternative income stream for individuals who may not have traditional banking or invest...