Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking
Abstract The objective is to present a proposal for a gender-sensitive risk analysis model using artificial intelligence (AI) within the framework of complex thinking that provides access to opportunities, specifically for vulnerable populations such as women from underprivileged sections. This inte...
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| Format: | Article |
| Language: | English |
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SpringerOpen
2025-01-01
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| Series: | Journal of Innovation and Entrepreneurship |
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| Online Access: | https://doi.org/10.1186/s13731-025-00463-2 |
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| author | Adriana Medina-Vidal Patricia Esther Alonso-Galicia Miguel González-Mendoza María Soledad Ramírez-Montoya |
| author_facet | Adriana Medina-Vidal Patricia Esther Alonso-Galicia Miguel González-Mendoza María Soledad Ramírez-Montoya |
| author_sort | Adriana Medina-Vidal |
| collection | DOAJ |
| description | Abstract The objective is to present a proposal for a gender-sensitive risk analysis model using artificial intelligence (AI) within the framework of complex thinking that provides access to opportunities, specifically for vulnerable populations such as women from underprivileged sections. This international non-parametric study highlights the vulnerability of this population in Mexico through a sample of 2787 women. The methodological design included data analysis, the postulation of a proposed model, and a validation method for the credit risk analysis model. There is a correlation between the level of schooling of impoverished and vulnerable women with the possibility of self-employment and selling a product or service. In the framework of complex thinking, the perception of innovative thinking is related to the level of education and innovative decision-making in professional projects. Women with a higher level of schooling tend to think about their professional projects systematically. Promoting complex thinking involves innovative educational practices to encourage critical, systemic, scientific, and innovative thinking in entrepreneurship and sustainable development. Integrating reasoning for complexity benefits women and contributes to economic and social growth in vulnerable regions. In contrast to other models, our credit risk analysis model uses AI and variables for gender, vulnerability, and complex thinking to detect patterns in women's behaviors and attitudes in the venture start-up process. Our proposal is the starting point of many analyses to develop further about artificial intelligence based on complex thinking. |
| format | Article |
| id | doaj-art-c847826cff1e460d935db2379d086e33 |
| institution | Kabale University |
| issn | 2192-5372 |
| language | English |
| publishDate | 2025-01-01 |
| publisher | SpringerOpen |
| record_format | Article |
| series | Journal of Innovation and Entrepreneurship |
| spelling | doaj-art-c847826cff1e460d935db2379d086e332025-01-19T12:43:58ZengSpringerOpenJournal of Innovation and Entrepreneurship2192-53722025-01-0114111810.1186/s13731-025-00463-2Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinkingAdriana Medina-Vidal0Patricia Esther Alonso-Galicia1Miguel González-Mendoza2María Soledad Ramírez-Montoya3Independent ResearcherInstitute of Entrepreneurship Eugenio Garza Lagüera, Tecnologico de MonterreySchool of Engineering and Sciences, Tecnologico de MonterreyInstitute for the Future of Education, Tecnologico de MonterreyAbstract The objective is to present a proposal for a gender-sensitive risk analysis model using artificial intelligence (AI) within the framework of complex thinking that provides access to opportunities, specifically for vulnerable populations such as women from underprivileged sections. This international non-parametric study highlights the vulnerability of this population in Mexico through a sample of 2787 women. The methodological design included data analysis, the postulation of a proposed model, and a validation method for the credit risk analysis model. There is a correlation between the level of schooling of impoverished and vulnerable women with the possibility of self-employment and selling a product or service. In the framework of complex thinking, the perception of innovative thinking is related to the level of education and innovative decision-making in professional projects. Women with a higher level of schooling tend to think about their professional projects systematically. Promoting complex thinking involves innovative educational practices to encourage critical, systemic, scientific, and innovative thinking in entrepreneurship and sustainable development. Integrating reasoning for complexity benefits women and contributes to economic and social growth in vulnerable regions. In contrast to other models, our credit risk analysis model uses AI and variables for gender, vulnerability, and complex thinking to detect patterns in women's behaviors and attitudes in the venture start-up process. Our proposal is the starting point of many analyses to develop further about artificial intelligence based on complex thinking.https://doi.org/10.1186/s13731-025-00463-2Financial inclusionVulnerabilityWomen’s entrepreneurshipModelArtificial intelligenceComplex thinking |
| spellingShingle | Adriana Medina-Vidal Patricia Esther Alonso-Galicia Miguel González-Mendoza María Soledad Ramírez-Montoya Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking Journal of Innovation and Entrepreneurship Financial inclusion Vulnerability Women’s entrepreneurship Model Artificial intelligence Complex thinking |
| title | Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking |
| title_full | Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking |
| title_fullStr | Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking |
| title_full_unstemmed | Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking |
| title_short | Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking |
| title_sort | financial inclusion of vulnerable sectors with a gender perspective risk analysis model with artificial intelligence based on complex thinking |
| topic | Financial inclusion Vulnerability Women’s entrepreneurship Model Artificial intelligence Complex thinking |
| url | https://doi.org/10.1186/s13731-025-00463-2 |
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