Act as a financial inclusion expert with 10+ years of experience in emerging markets. Design an AI-driven strategy to expand access to [UNDERSERVED POPULATION], leveraging [TECHNOLOGY, e.g., mobile banking, chatbots] to overcome barriers like [CHALLENGE, e.g., low literacy, lack of infrastructure]. Provide a step-by-step plan including: (1) key partnerships with [LOCAL STAKEHOLDERS], (2) data-driven methods to assess creditworthiness without traditional banking history, and (3) scalable solutions for [REGION/COUNTRY]. Highlight risks (e.g., data privacy) and mitigation tactics. Use case studies from [SIMILAR INITIATIVES] to support your approach.