I am grateful for the opportunity to speak to you. Our focus in this conference is financial inclusion, and something that will likely have great consequences for financial inclusion and our economy more broadly in the years ahead is artificial intelligence (AI). As I have explored in a number of speeches over the past several years, AI has the potential to transform lives and the U.S. economy, possibly empowering workers to be more productive, with lower- and middle-income workers benefiting the most. But it is also the case that AI may instead exacerbate inequality, eliminating some lower- and middle-income jobs ... (full story)