In today's rapidly evolving technological landscape, the fusion of human intellect and artificial intelligence (AI) is revolutionizing industries and reshaping the future. Human-AI collaboration, often referred to as augmented intelligence, leverages the capabilities of both humans and machines to achieve unprecedented outcomes. Humans bring their

M-Pesa, a mobile money transfer service launched in Kenya, has drastically impacted financial inclusion across Africa. By providing easy access to banking services via basic mobile phones, M-Pesa empowers individuals and businesses to interact in the regulated economy. Hundreds of thousands of previously underbanked people now gain from M-Pesa's fo