Buried lede (in that none of the comments mention this): wireless micro-financing without transaction fees works for 10 African countries and is enabling a rural energy revolution. (though M-PESA isn't without controversy, and clearly it could benefit from competition)

Meanwhile, developed nations have millions of people who pay up to 500% interest on payday loans, 29% interest on credit cards, and can't get bank accounts. Small businesses can't grow quickly due to (among other things) high transaction fees cutting into already-meager profits. We only hear news about big business and products and services for people with money. We forget that if we want our economy to grow, and adopt things like increased personal/residential solar power, we need to unburden the poorest, grow their own wealth, and infuse that back into the economy.

Perhaps we should stop obsessing so much over AI, and obsess a little more over making it less expensive and difficult to be poor. Seems to be working in Kenya.