Medina-Vidal, AdrianaAlonso Galicia, Patricia EstherGonzález Mendoza, MiguelRamírez Montoya, María Soledad2025-01-152025-01-14Medina Vidal, A., Alonso Galicia, P.E., González Mendoza, M. & Ramírez Montoya, M.S. (2025). Financial inclusion of vulnerable sectors with a gender perspective: risk analysis model with artificial intelligence based on complex thinking. Journal of Innovation and Entrepreneurship 14(4). https://doi.org/10.1186/s13731-025-00463-2https://doi.org/10.1186/s13731-025-00463-2https://hdl.handle.net/11285/703051The objective is to present a proposal for a gender-sensitive risk analysis model using artificial intelligence (AI) within the framework of complex thinking that provides access to opportunities, specifically for vulnerable populations such as women from underprivileged sections. This international non-parametric study highlights the vulnerability of this population in Mexico through a sample of 2787 women. The methodological design included data analysis, the postulation of a proposed model, and a validation method for the credit risk analysis model. There is a correlation between the level of schooling of impoverished and vulnerable women with the possibility of self-employment and selling a product or service. In the framework of complex thinking, the perception of innovative thinking is related to the level of education and innovative decision-making in professional projects. Women with a higher level of schooling tend to think about their professional projects systematically. Promoting complex thinking involves innovative educational practices to encourage critical, systemic, scientific, and innovative thinking in entrepreneurship and sustainable development. Integrating reasoning for complexity benefits women and contributes to economic and social growth in vulnerable regions. In contrast to other models, our credit risk analysis model uses AI and variables for gender, vulnerability, and complex thinking to detect patterns in women’s behaviors and attitudes in the venture start-up process. Our proposal is the starting point of many analyses to develop further about artificial intelligence based on complex thinking.TextoengopenAccesshttp://creativecommons.org/licenses/by/4.0HUMANIDADES Y CIENCIAS DE LA CONDUCTAEducationJournal of Innovation and Entrepreneurship0000-0002-1274-706XFinancial inclusionVulnerabilityWomen’s entrepreneurshipModelArtificial intelligenceComplex thinkingEducational innovationHigher educationR4C&TE14411812208154911980200