In today's rapidly evolving technological landscape, the intersection of human intellect and artificial intelligence (AI) is transforming 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 the

M-Pesa, a mobile money transfer service launched in Kenya, has profoundly impacted financial inclusion across Africa. By providing easy access to banking services via basic mobile phones, M-Pesa enables individuals and businesses to interact in the regulated economy. Millions of previously unbanked people now gain from M-Pesa's forward-thinking pla