The World Economic Forum (#WEF) Annual Meeting 2025 in Davos-Klosters, Switzerland, underscored the transformative power of artificial intelligence (#AI) in financial technology (fintech). At the forefront of this discussion was #GCash, the Philippines’ leading finance super app, which emphasized its commitment to data-driven financial inclusion.
AI & Financial Inclusion: A Key Discussion at WEF 2025
With the theme “Collaboration for the Intelligent Age,” a Deloitte-led panel explored how AI can scale financial institutions, enhance customer experience, and bolster cybersecurity.
Panelists included:
- Rowena Zamora, Chief Strategy Officer of GCash
- Neal Baumann, Global Financial Services Industry Leader for Deloitte
- Christiana Riley, Regional Head of North America for Banco Santander
Zamora highlighted the Philippines’ financial gap and how AI-driven fintech solutions are bridging the divide.
👉 Related: GCash and EastWest Bank Team Up to Boost Financial Services
GCash’s Vision: Finance for All
With the Philippines’ underpenetrated financial market, GCash aims to make financial services accessible to all.
“Our vision is simple yet challenging: ‘Finance for All’. Many Filipinos lack access to traditional banking services. GCash leverages AI and mobile tech to bridge this gap,” said Zamora.
AI-Powered Data as a Catalyst for Financial Inclusion
Zamora emphasized that a lack of identity, credit history, and traditional documentation prevents many Filipinos from opening bank accounts.
With high mobile penetration and internet usage, GCash taps into users’ digital footprints to assess creditworthiness.
👉 Read more: GCash AI-Powered Lending Services Break Barriers
GScore: AI-Based Credit Scoring for the Underserved
One of GCash’s breakthrough solutions is GScore, an AI-powered credit scoring model that evaluates transactional behavior instead of relying on traditional credit history.
“Through GScore, we have unlocked over $2 billion in micro-loans, benefiting 7 million Filipinos,” Zamora noted.
Before the pandemic, only 1% of Filipinos had access to credit—a figure that GCash is rapidly changing.
👉 Related: GCash Equips Businesses with AI Tools to Scale Financial Growth
AI & Data-Driven Models for Future Growth
Looking ahead, GCash and WEF panelists stressed the importance of responsible AI adoption and high-quality data usage for sustainable fintech innovation.
“The quality of data determines the accuracy of AI insights. We must focus on solving specific financial challenges using AI to leapfrog innovation,” Zamora explained.
👉 Discover more: GCash on the Global Sustainability Stage at WEF
By collaborating with private and public sectors, GCash aims to further refine AI-powered financial models and drive digital inclusion for all Filipinos.
FAQ Section
Q: How is GCash using AI to improve financial inclusion in the Philippines?
A: GCash utilizes AI to analyze users’ digital transactions, creating a credit score alternative (GScore) that helps unbanked Filipinos access loans.
Q: What is GScore, and how does it work?
A: GScore is GCash’s AI-driven credit scoring model, evaluating users’ spending and payment behavior instead of relying on traditional banking data.
Q: How much has GCash lent through AI-powered financial services?
A: GCash has facilitated over $2 billion in micro-loans for 7 million Filipinos, significantly increasing credit access in the country.
Q: Why was GCash featured at the World Economic Forum 2025?
A: GCash was invited to Davos 2025 for its leadership in AI-powered fintech, showcasing how the Philippines leverages technology for financial inclusion.
Q: What’s next for GCash in AI-powered financial services?
A: GCash plans to refine AI-driven models, expand financial access, and work with public and private sectors to create sustainable fintech solutions.