Artificial intelligence is revolutionizing financial inclusion, particularly in microfinance, by enhancing the efficiency, responsiveness, and personalization of financial services. In Africa, increased connectivity and mobile money adoption are driving AI integration into credit assessment, risk evaluation, and customer engagement. Key benefits include tailored product offerings, simplified credit access, optimized processes, and fraud detection. However, challenges like data access, algorithmic bias, and implementation costs persist. Collaboration among financial institutions, fintechs, and regulators is essential to ensure ethical AI practices, user privacy, and innovative solutions that address local needs, ultimately making financial services more accessible.