【讲座时间】2025年12月16日 13：30-15：30

【讲座地点】博学501

【主讲人介绍】戴维·姆兰加（David Mhlanga），现为澳大利亚莫纳什大学（Monash Univeity QS37）商学院教学教授，曾担任南非约翰内斯堡大学（Univeity of Johannesburg）经济学教授。研究特色是将人工智能、机器学习和区块链等新兴技术融入商业、金融、经济和教育领域。著有多部具有影响力的著作，如《Digital Financial Inclusion：Revisiting Poverty Theories in the Context of the Fourth Industrial Revolution》（已由中国金融出版社2025年6月出版）、《FinTech, Financial Inclusion, and Sustainable Development》（已完成翻译工作，将由中国金融出版社2026年出版）、《Respoible Industry 4.0 for Development:A Framework for Human-Centered Artificial Intelligence》等。

【讲座介绍】

本讲座探讨普惠金融理论的演进及其在数字时代的重新诠释。在第四次工业革命背景下，重新审视了传统普惠金融理论——即受益者视角、交付代理视角和资金视角。讲座指出，数字化转型迫使普惠金融理论框架重构，推动金融服务从实体银行模式向数字化中介生态系统转型。受益者理论聚焦弱势群体：女性、农村社区、青年及残障人士。借助人工智能精准定位与数字身份验证技术，政府与金融科技企业现可为特定群体定制金融服务。同样，关于政府、私营部门或混合模式应承担金融服务提供者的代理理论，在协作式数字平台与公私合作时代呈现出全新复杂性。资金理论也应得到重新审视：数字生态系统不仅突破了政府或私人资金的局限，更催生了点对点融资、众筹及基于区块链的去中心化金融等创新模式。本环节将融入互动环节，引导参与者将不同理论与现实案例进行映射，重点探讨中国如何通过移动技术实现普惠金融的规模化发展。通过审视全球实证案例，参与者将被引导评估数字普惠金融究竟是传统理论的延伸，还是全新范式的诞生。人工智能作为贯穿始终的工具被重点强调，其能预测受益者需求、优化交付机制并实现资金渠道多元化。讲座最终将普惠金融理论置于动态数字化格局中，展现理论与实践日益交融的趋势。

This lecture explores the evolution of financial inclusion theories and their reinterpretation in the digital era. Traditional theories of inclusion, namely the beneficiary, delivery agent, and funding pepectives, are re-examined in the context of 4IR. The lecture argues that the digital shift compels a recotruction of theoretical frameworks, moving beyond physical banking models toward digitally mediated ecosystems. The beneficiary theory is revisited with attention to vulnerable populatio: women, rural communities, youth, and people with disabilities. Through AI-driven targeting and digital identity verification, governments and fintech firms can now tailor financial services to specific groups. Similarly, delivery agent theories, which debate whether government, private sector, or hybrid models should deliver financial services, gain new complexity in the era of collaborative digital platforms and public–private partnehips. Funding theories are also recoidered: beyond state or private funding, digital ecosystems enable innovative models like peer-to-peer financing, crowdfunding, and blockchain-based decentralised finance. The session incorporates an interactive element where participants will map different theories to real-world case studies, with particular emphasis on China’s experience in scaling financial inclusion through mobile technologies. By examining global evidence, participants will be encouraged to evaluate whether digital financial inclusion is merely an exteion of traditional theories or represents an entirely new paradigm. The role of AI is highlighted as a cross-cutting tool that predicts beneficiary needs, optimises delivery mechanisms, and diveifies funding streams. The lecture ultimately situates financial inclusion theory within a dynamic, digitalised landscape where theory and practice increasingly inteect.