Research Abstract:  Artificial intelligence (AI) is emerging as a potentially transformative force — not through the large-scale enterprise deployments that dominate headlines in advanced economies, but through a distinct set of pathways that are beginning to reach informal enterprises and workers in developing Asia-Pacific. These pathways include AI-powered financial technology (fintech) that extends credit scoring to borrowers without formal financial histories; AI-enabled digital platforms that connect informal producers to wider markets; AI-driven agricultural advisory services that...