Fintava, a Nigerian fintech company, is enhancing financial inclusion by offering banking-as-a-service technology, allowing non-bank businesses to provide financial services without becoming banks themselves. Despite progress, Nigeria still faces significant financial exclusion challenges, with 26% of adults remaining financially excluded. ABN AMRO Bank N.V. emphasizes the importance of digital identity interoperability for businesses and citizen services through the Company Passport. The wealth gap between white and Black families can potentially be addressed through fintech advancements like AI. Financial institutions are urged to prioritize digital innovation to meet consumer demands for seamless experiences and secure long-term growth, highlighting the need for omnichannel banking strategies and the careful consideration of risks and returns associated with generative AI in the banking sector.