• Bipin Kumar Baitha
• KM Jayati
• Jugal Rajwani
• Faizan Fayaz

Traditional financial services were severely interrupted by the COVID-19 epidemic, underscoring the necessity for easily available digital solutions. In a post-pandemic society, this article investigates how digital financial inclusion is accelerated by the combination of artificial intelligence (AI) and the Internet of Things (IoT) technologies. We investigate how artificial intelligence (AI) developments in IoT devices are facilitating financial accessibility for historically marginalised communities. The article explores successful IoT and AI applications in banking and financial institutions using real-world case studies. These case studies highlight the concrete advantages of this technological revolution, including greater fraud detection with AI algorithms, faster loan applications, and better customer service with chatbots and virtual assistants. The study also looks at the wider benefits and potential that AI and IoT provide to the banking industry. This includes improved financial literacy through AI-powered educational tools, data-driven decision-making for tailored financial products, and higher economic efficiency through automation. Using a descriptive research methodology, the study examines the financial services industry prior to the pandemic and the revolutionary effects of COVID-19. We look into how the financial sector is changing to become more inclusive and efficient thanks to AI and IoT. The study's conclusion highlights how important these technologies are in promoting financial inclusion and economic empowerment in the face of serious economic difficulties.

"The influence of IoT and AI on Financial inclusion in Covid-19", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 4, page no.j345-j357, April-2024, Available :http://www.jetir.org/papers/JETIR2404945.pdf

"The influence of IoT and AI on Financial inclusion in Covid-19", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 4, page no. ppj345-j357, April-2024, Available at : http://www.jetir.org/papers/JETIR2404945.pdf