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

M-Pesa, a mobile money transfer service launched in Tanzania, has significantly impacted financial inclusion across Africa. By providing convenient access to monetary services via simple mobile phones, M-Pesa enables individuals and businesses to participate in the formal economy. Hundreds of thousands of previously excluded people now gain from M-