[8] FINANCIAL INCLUSION WITH THE HELP OF AGENTIC AI AND ITS EFFECT ON DIGITAL BANKING AND MICROFINANCE: ARTICLE INFO: Date of Submission: Jan 28, 2026, Revised: Feb 10, 2026, Accepted: Feb 12 , 2026, CrossRef D.O.I : https://doi.org/10.56815/ijmrr.v5i2.2026.66-76. HOW TO CITE: Mani Garg, Megha Vimal Gupta & Prashant Sharma (2026). Financial Inclusion with the help of Agentic AI and its Effect on Digital Banking and Microfinance. International Journal of Multidisciplinary Research & Reviews, 5(1), 66 - 76.

Mani Garg; Dr. Megha Vimal Gupta; Dr. Prashant Sharma

Authors

Mani Garg Assistant professor, Institute of business studies, CCS University, Meerut, India.
Dr. Megha Vimal Gupta Professor & HOD, MBA department, Dewan institute of management studies, Meerut, India.
Dr. Prashant Sharma Professor, MBA department, Dewan institute of management studies, Meerut, India.

Abstract

Autonomous, goal oriented, and adaptive decision-making, known as agentic Artificial Intelligence (AI) is becoming a new development in the further development of financial inclusion. The paper will discuss the effects of agentic AI on digital banking and microfinance and how it can help overcome current obstacles to underserved audiences, such as access to credit, high operational costs, information asymmetry, and financial literacy. The paper examine the use of agentic AI in customer onboarding, alternative credit assessment, personalised financial services, fraud detection and automation of operations. The results show that agentic AI improves financial inclusion, namely through dynamic risk estimation, adaptive loan design, personalized financial education, and proactive risk management of a portfolio, especially in microfinance institutions and digital banking services. Simultaneously, the paper defines such serious problems as algorithmic bias, transparency, data privacy, regulatory uncertainty, and gaps in digital capability. This paper speculates that the agentic AI can be employed inclusively to its fullest potential through responsible use that is backed by ethical design principles, human control and effective governance frameworks. The work is a contribution to the new body of literature on AI-based financial inclusion, as it views agentic AI as a strategic facilitator to sustainable and equitable financial ecosystems.