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TheAIMaturityMatrix
WhichEconomiesAreReadyforAI?
November2024
ByChristianSchwaerzler,MiguelCarrasco,ChristopherDaniel,BrookeBollyky,YoshihisaNiwa,AparnaBharadwaj,AkramAwad,RichardSargeant,SanjayNawandhar,andSvetlanaKostikova
Contents
0
3Introduction
0
4KeyFindings
0
5TheRelationshipBetweenExposureandReadiness
1
0TheArchetypesofAIAdoption
15StrategicNextSteps
17Methodology
2
1AbouttheAuthors
Introduction
V
iewsvaryonhowmuchAIischangingtheworld
today,butonethingisclear:thetechnologyison
coursetoshapethefutureofeconomicdevelopment.Businessleadersexpectlargeimpactsonoperationsand
valuecreationinthe3-to-10-yeartimeframe,andworld-
widespendingonartificialintelligencewillmorethan
doubleto$632billionby2028.1Thelong-term,expansivescaleofthisgrowthmakesAIaneconomicpriorityineveryregionacrosstheglobe.
Thisgrowthalsoaddsurgencytothequestionsthat
policymakersfaceaboutAI.Isasocietyabletobuildan
AI-skilledworkforceinkeysectors?Howwillagovernmentsetupresilient,moderninfrastructure?HowdoesanationspurenoughinvestmentandR&Dtostaycompetitive?
BCG’snewAIMaturityMatrixassesses73global
economiestoanswersomeofthesekeyquestions.2Thismatrixprovidesabroadviewofglobaladoption:most
economiesaregraduallyadoptingAI,butthereisasmall,influentialgroupofAIpioneersthattaketheirplaceas
leaders.Theirprizeiseconomicadvantage,buttheyarealsopoisedtoshapehowhumanitywillinteractwiththispowerfullydisruptivetechnology.
Byfocusingontwopivotalaspects,thisreportoffersa
uniqueapproachtoviewingtheglobaldynamicsofAI
adoption.First,weexamineeacheconomy’sexposuretoAI-drivendisruptions.WedefineexposureasthepotentialforAItoimpactasectorinaneconomynegativelyor
positively.Wethenassesseacheconomy’sreadinessto
harnessAI’spotentialforgrowthandtomitigatepotentialrisks.TheresultingmatrixbringstogetherthesefactorstopresentsixarchetypesofAIeconomicdevelopmentand
potential.Weofferrecommendationstailoredtothe
differentgroupstoguidepolicymakers—andprovideaninteractivedashboardforamoredetailedexplorationofouranalysis.
1.“AIIsShowing‘VeryPositive’SignsofEventuallyBoostingGDPandProductivity,”GoldmanSachswebsite,May13,2024;“WorldwideSpendingonArtificialIntelligenceForecasttoReach$632Billionin2028,AccordingtoaNewIDCSpendingGuide,”IDCwebsite,August19,2024.
2.Detailsoftheselectionprocessareavailableinthemethodologysection.
BOSTONCONSULTINGGROUPTHEAIMATURITYMATRIX:WHICHECONOMIESAREREADYFORAI?3
T
KeyFindings
Outof73economiesassessed,onlyfive—Canada,MainlandChina,
Singapore,theUK,andtheUS—arecategorizedasAIpioneers.
Theyhavereachedahighlevelof
readinessbyblendingelementslike
investmentandinfrastructure,turningdisruptionintoacompetitiveedge.
Theyareinauniquepositiontoguidetheworldforwardininnovation,
talentdevelopment,andAIregulationandethics.
Severaleconomieswithhigh
AIreadinessarejustbehindthepaceofAIpioneers.Whilethis
groupofAIcontendersincludes
establishedeconomies,italso
featuresemergingoneslikeIndia,SaudiArabia,andtheUAEthatare
usingpolicyandtargetedinvestmentstoadoptAIonanadvancedlevel.Astheseeconomiesstrengthentheir
innovationcapabilities,theywillgrowmorecompetitiveandinfluentialin
theAIspace.
MosteconomiesinthestudyarenotreadyforAIdisruption.Morethan70%scorebelowthehalfwaymarkincategorieslikeecosystemparticipation,skills,andR&D.
PolicymakersmustactnowtoadjusttoaworldofAIandboostresiliency,productivity,jobs,modernization,andcompetitiveness.
DistributionofEconomiesAcrosstheArchetypesofAIAdoption
LowEXPOSUREHigh
AIpractitioners
AIcontenders
Steadycontenders
Australia
Austria
·Belgium
Denmark
·Japan
·Luxembourg·Malaysia
Netherlands
Exposedpractitioners
Estonia
Finland
France
·Germany
·HongKong
Ireland
Israel
·Italy
·Norway·Portugal
SouthKorea
·Spain
Sweden
Switzerland
Taiwan
AIpioneers
Canada
MainlandChina
·Singapore
UK
US
Bahrain
·Bulgaria·Cyprus
Czechia
Greece
·Hungary
Kuwait
Malta
Gradualpractitioners
Risingcontenders
·Argentina
Chile
Colombia
Dominican
Republic·Egypt
Iran
·Kenya
Latvia
Lithuania
Mexico
Morocco
Oman
Pakistan
Peru
·Philippines
Romania
·Qatar
Slovakia
SouthAfrica
Thailand
Ukraine
Brazil
India
Indonesia
NewZealand
Poland
SaudiArabia
·Türkiye
UAE
Vietnam
Bottom10%READINESSTop10%
AIemergents
·Algeria·Iraq
·Angola·Nigeria
Ecuador·Venezuela
·Ethiopia
·
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·
·
·
·
·
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·
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Sources:BCGCenterforPublicEconomics;BCGanalysis.
Note:Withineacharchetype,economiesappearinalphabeticalorder.
BOSTONCONSULTINGGROUPTHEAIMATURITYMATRIX:WHICHECONOMIESAREREADYFORAI?4
TheRelationshipBetweenExposureandReadiness
T
hefutureofAIisframedbyhighexpectations.Yet
adoptionisalreadypayingofftodaywithefficiency
gainsandreturnoninvestment.BusinessesthatarescalingAIhaveboostedtheirrevenuesby2.5timescom-
paredtocompetitors.Whenscaledacrossanentireecono-my,suchpotentialgainselevateAItoapressingareafor
policymaking—bothtodayandintheyearsahead.
Akeyplaceforpublicsectorleaderstostartistounder-
standtheireconomy’slevelofexposuretoAIbysector.
Exposurecanleadtopositiveornegativeimpacts;for
example,intermsofjobs,exposurecouldleadtodisplace-mentorcreatenewemploymentopportunitiesthroughoutasector.However,jobdisplacementisnottheonlyareaofexposure.(Seesidebar,“
TheDimensionsofAIExposure
.”)
BOSTONCONSULTINGGROUPTHEAIMATURITYMATRIX:WHICHECONOMIESAREREADYFORAI?5
TheDimensionsofAIExposure
Wefindthatexposureappearsonmanylevels.
Productivity.RecentBCGresearchshowshowAI’sabilitytoautomatetasksandoptimizeprocesseshelpsboth
workersandentirebusinesses.Ononelevel,AIexpands
employeecapabilities.BCGresearchfoundthatinour
organization,GenAI-supportedconsultantsperformed20%betteron
datasciencetasks
thatfelloutsidetheirusual
areasofexpertiseortraining.Onebiopharmafirmused
GenAItoshortenitsdrugdiscoveryprocessby25%.3Onabroaderscale,severaleconomiesinthisstudyareexposedtothesepotentialshifts.
However,AIcouldalsodisrupttraditionalworkflowsin
sectorsreliantonmanualprocesses,suchasmanufactur-ing.Smallbusinessesusingclassicmethodswilloften
competewithlargercompaniesthatdeployAI-driven
automation.Suchsmallbusinessesmightstruggleto
matchtheproductivityofoptimizedfirms,impactingthesector’soverallperformance.
UnevenSectoralImpact.SomesectorsmaylaginAI
adoption,wideningthegapbetweeninnovativeindustriesandslower-movingones.Forinstance,evenasatech-ori-entedsectorlikefinancereadilyadoptsAI,agriculturemaybeslowertofitthetechnologyintoworkflows,failingto
resultintheoverallproductivitygainsthatcouldhelpboostanation’seconomicperformance.
JobEvolution.MostobserversexpectthatAIwillmake
somejobcategoriesobsolete.Butnewjobsthatcallfor
advancedtechnicalskills,includingAIspecialistsandAI
ethicsofficers,willoffsetsomeofthedisplacementor
createnewemploymentopportunitiesinsectorsthathavelonglaggedinhiring.
Inourmethodology,whichrepresentsasnapshotofthe
currentlandscape,wegaugeexposurescoresthroughfourmajorsources:
?ABCGsurveyofbusinessleadersacrosssectorsontheirperceptionsofexposuretoAI
?ThefrequencyandintensityofAIdiscussionsduring
quarterlyearningscallsofpubliclylistedcompanies
?ThenumberofAI-relatedjobvacanciesonLinkedIn
?GenAI-sourcedinsightsondisruptionacrossvariousindustries
3.BCGclientexperience.
BOSTONCONSULTINGGROUPTHEAIMATURITYMATRIX:WHICHECONOMIESAREREADYFORAI?6
OurstudyincludesseveralfindingsaboutsectorexposuretoAI:
SixsectorsaremostexposedtoAI-drivenchanges.
Theseincludeinformationandcommunication;high-techgoods;retail;financialservices;publicservices;andmotorvehiclesmanufacturing,asshownin
Exhibit1
.
ICTsectors(suchasinformationandcommunicationandhigh-techgoods)showhighexposurebecauseAIcangreat-lytransformhowworkgetsdoneintheseareas.Yetthesesectorsaremorethanjusthotbedsforautomation.Such
sectorsalsoproduceAI-relatedgoodsandservicesthat
otherindustriesuseorsell.Inotherwords,economieswithstrongICTsectorsthatproduceAItechnologiescansee
theirGDPsgrow.
Forexample,semiconductorscreatedbyaneconomy’s
high-techgoodssector—resultinginmorepowerful,effi-
cientchips—areusedinonboardautoelectronicsforauton-omousdriving,enhancedsafetyfeatures,andimprovedfuelefficiency.HomegrownAIdisruptstheeconomy’sautomo-tivesector,makingitmoreinnovativeandcompetitive—
andgrowthsoarsforbothautomakersandchipmakers.
Exhibit1-ExposuretoAI:HeatmapofSectors
SOURCESLEVERAGEDTOGAUGEEXPOSURE
ExposureSurveyofPubliclylistedJobvacanciesGenAI-sourced
SectortoAIbusinessleaderscompaniesonLinkedIninsights
Informationandcommunication
High-techgoods
Retailandwholesale
Financialservices
Publicservices
Motorvehiclesandparts
Businessservices
Accommodationandcatering
Machineryandequipment
Transportandstorageservices
Oilandgas,coke,andre?nedpetroleum
Utilities
Pharmaceuticals
Arts,recreation,union,andpersonalservices
Textiles,leather,andclothing
Mining
Metals
Food,beverages,andtobacco
Othertransportequipment
Nonmetallicminerals
Chemical,rubber,plastics
Construction
Othermiscellaneous
Agriculture,forestry,and?shery
Furnituremanufacturing
Paperandwoodproducts(withoutfurniture)
Sources:BCGCenterforPublicEconomics;BCGanalysis.
Note:Formoredetailsonsources,seethereport’smethodologysection.
High
exposure
Limitedexposure
BOSTONCONSULTINGGROUPTHEAIMATURITYMATRIX:WHICHECONOMIESAREREADYFORAI?7
EconomieswithahighshareofsectorsthataremostexposedtoAIareamongtheworld’smostexposedtodisruption.ThethreemostexposedeconomiesinourstudyareLuxembourg(withfinancialservicesmakingup
almost30%ofGDP);HongKong(22%financialservicesand22%businessservices);andSingapore(18%businessservices;16%retail;14%financialservices).4
Economieswithindustrysectorsthatarelesssuscep-tibletoAIdisruptionarelessexposed.Suchsectors
includeconstruction,agriculture,andfurnituremanufactur-ing;countriesincludeIndonesia(13%agricultureand11%constructionofGDP);India(17%agricultureand8%con-
struction);andEthiopia(36%agriculture).Butthesesectorscanbefertilegroundforeconomictransformation.
Alongwithboostingefficiency,AIcancreatepositivespillovereffectsthroughoutaneconomy—especiallyalessexposedeconomy.AIcanspurgrowthinadjacentsectors,helpingacountryshiftthemixofsectorsinitsGDP.Forexample,AI-drivenagriculturaltechnologycouldhelp
optimizesupplychainswithdataoncropyields,weather,andmarkettrends.Thecountry’stransportationsectorwouldbecomemoreefficientandmodernized.
Ultimately,exposuretothechangesbroughtbyAIisinherentintoday’sworld.It’sinevitablethatAIwillshowupsomewhereinaneconomy,eventoalimiteddegree,soeverycountry’seconomyhasatleastsomeexposuretothetechnology.Yetaneconomywithhighexposureisn’tnec-
essarilyinabadspot—onthecontrary,someofthemostexposedeconomiesarealsothemostprepared.
ReadinessbyDegrees
Assessingreadinesshelpsaneconomyunderstandits
strengthsandweaknessesasitmanagestechnologyriskandmakesthemostofAI.
ReadinessforAIreferstoaneconomy’sabilitytoeffective-lyimplementandintegrateAI.Thisabilitycanbemea-
suredacrosssixdimensionsthatmakeup
BCG’sASPIRE
index:
Ambition;Skills;Policyandregulation;Investment;Researchandinnovation;andEcosystem.(See
Exhibit2
.)
ThisframeworkoffersacomprehensiveviewonadoptionleversforAI.AmbitionassesseswhetheracountryhasaspecificAIstrategyandagovernmententitytooverseeit,whileSkillslooksattheavailabilityofAIspecialists.(
For
moredetails,refertothemethodologyattheendofthe
report
.)ASPIREisusefulforassessingthefullrangeof
advanced,emerging,anddevelopingeconomies,someofwhicharequitepreparedforAI.Italsoshowcasesthe
imbalancesthatoftenformwhenaneconomyishighly
advancedinsomeofthesesixareasandlackingdevelop-mentinothers.(See
Exhibit3
.)
Mosteconomiesmustdomoretopreparethem-
selvesadequatelyforAIdisruption.Thenumbersare
stark:Outof73economiesassessed,onlyfive—categorizedasAIpioneers—haveachievedahighlevelofreadiness.
Morethan70%scorebelowthehalfwaymarkincategorieslikeecosystemparticipation,skills,andR&D.
Pioneersareoutinfrontinskills,R&D,ecosystems,andinvestments.Inskills,theUSandSingaporestandoutwithrobustAItalentpools,whicharecrucialfordrivinginnovation.TheUSleadsininvesting,drivenbyitssophisti-catedcapitalmarketsandtheabundanceofAIunicorns.IntheR&Drace,MainlandChinaisleadinginpatentsandAIacademicpapers.
Everywhereelse,innovationandinvestmentmustcatchup.ThebulkofeconomiesscorebelowtheaverageinR&Dandinvestment,hinderingtheirabilitytofoster
startupsordeployhomegrownsolutions.Somecountriesthatperformwellinecosystems,includingJapan,Germa-ny,andtheUAE,havegoodtelecommunicationsandAI
infrastructure;they’vebenefitedbyaccessingnewtechnol-ogyfromecosystempartners.However,othereconomiesscorelowerininnovationandecosystemparticipation,
leavingthemwithfeweroptionstoaccessnewsolutions.
TheambitiontoengageAIishighthroughoutthe
world—butcountriesneedmorethanambition.Mosteconomies,includingupper-middlecountriesliketheDomi-
nicanRepublicandlower-middle-incomecountrieslikeKenya,havestatedtheirnationalstrategiesorcreatednationalAI
ministriesandsteeringcommittees.Yetsocietieswillonlyfindpositiveoutcomesiftheymovebeyondplanningandtakepro-active,concreteactions,suchasformingtestbedsforR&D.
Andformanyactors,itwilltaketimebeforetangibleresultsfromAIemerge.Ambitionmustbepairedwithpatience.
4.Sectorsharepercentagesarecalculatedfromthetotalsumofallsectors,orGVA(grossvalueadded),whichweuseasaproxyforGDPinthereport.GDPequalsGVAplustaxesminusanysubsidies.
BOSTONCONSULTINGGROUPTHEAIMATURITYMATRIX:WHICHECONOMIESAREREADYFORAI?8
Exhibit2-ReadinessforAI:ASPIREIndex
A
S
P
I
R
E
Ambition
·
ExistenceofAI
strategy
·
Existenceof
specializedAI
government
agency/ministry
Skills
·
Concentrationof
AI-relatedspecialists
·
PoolofAI-related
specialists
·Totalpublic
contributionsin
GitHubbytop1,000users
·KaggleGrandmasters
·NumberofPythonpackagedownloadsper1,000people
Policyandregulation
·Regulatoryquality
·
Governance
e?ectiveness
·
Governanceofdata
·
Economicfreedom
index
·
AIanddemocratic
valuesindex
Investment
·
ValueofAIunicorns
·McapofIT-relatedandtech-related
companies/GDP
·
ValueoftradeinICT
services(percapita)
·
ValueoftradeinICT
goods(percapita)·VCavailability
·FundingofAI
companies
·Computersoftware
spending
Researchandinnovation
·ResearchpaperspublishedonAI
·AI-relatedpatents
·Top-ranked
universitiesindatascienceandAI?elds
·
NumberofAI
startups
Ecosystem
·
Fixedbroadband
internettra?cpercapita
·Electricityprices
·
Telecommunicationinfrastructureindex
·Averagedownloadspeed
·
Onlineserviceindex
·
Performanceof
economy-wide
statisticalsystems
Sources:BCGCenterforPublicEconomics;BCGanalysis.
Exhibit3-ReadinessforAI:MeasuringEconomies
Economies
TotalASPIRE
Ambition
Skills
Policyandregulation
Investment
Researchandinnovation
Ecosystem
AI
pioneers
Canada
MainlandChinaSingapore
UnitedKingdomUnitedStates
68
0100
10
010
17
025
8
010
8
015
8
015
19
025
Top25%
Australia
Japan
Finland
Netherlands
France
GermanyIndia
SouthKorea
Spain
Sweden
58
100
10
010
14
025
8
010
6
015
4
15
16
0
0
0
25
Ireland
Taiwan
Israel
UAE
Top50%
Austria
Malaysia
Belgium
NewZealand
Brazil
Denmark
Estonia
HongKong
NorwayPoland
Portugal
SaudiArabia
.
47
100
9
10
●
11
25
7
010
4
015
●
2
15
●
14
0
0
0
0
0
25
Indonesia
Switzerland
Italy
Türkiye
Luxembourg
Vietnam
Top75%
Argentina
Malta
Chile
Mexico
ColombiaCyprus
CzechiaEgypt
Greece
Hungary
PakistanPeru
Qatar
Romania
SouthAfricaThailand
●
38
100
10
10
●
8
25
6
010
2
015
●
1
15
●
11
0
0
0
0
0
25
Latvia
Ukraine
Lithuania
Top90%
Bahrain
Bulgaria
DominicanRepublicIran
Kenya
Kuwait
Morocco
Oman
PhilippinesSlovakia
●
31
100
7
10
●
7
25
5
010
2
015
1
15
.
9
0
0
0
●
0
0
25
AI
emergents
AlgeriaAngolaEcuadorEthiopia
Iraq
Nigeria
Venezuela
20
100
4
10
5
25
3
010
1
015
1
15
6
0
0
0
0
0
25
MinimumfordimensionMaximumfordimensionAverage
Sources:BCGCenterforPublicEconomics;BCGanalysis.
Note:EconomiespositionedattheborderlinebetweenthetopAIpioneersandthetop25%rangeareconsideredaspartofthetop25%group.Duetorounding,thedimensionscoresmaynotsumuptothetotalscore.
BOSTONCONSULTINGGROUPTHEAIMATURITYMATRIX:WHICHECONOMIESAREREADYFORAI?9
TheArchetypesofAIAdoption
T
hecombinedanalysisofAIexposureand
readinessrevealssixdistinctadoptiongroups.
(SeeExhibit4.)
AIPioneers.ThesearethevanguardsofAIadoption,
buildingonstronginfrastructuresandengagingthetech-
nologyindiversesectors.Allpioneersinvestgreatlyin
R&D,asshownbythemanytechcompanies,startups,
andunicornsineachofthefivecountries.Jobsectorsand
educationsystemsarefullofhighlyskilledtalent.
AIwillmakeupprogressivelylargersharesofthepioneers’GDPsoverthenextseveralyears,astheseactorssupply
moreandmoreAItechnologies,services,skills,andinvest-menttotheworld.Forexample,theUSexportssoftware,platforms,andessentialhardwareforAIcomputing,as
wellascloud-basedAIservices.MainlandChinaexportsAI-poweredconsumerelectronics,includingautonomousdrivingplatforms.ThispresenceintheglobaltechsupplychainallowspioneerstosetstandardsandinfluencetheentireAIlandscape.
Pioneerswillwanttoamplifytheirstrategiestokeepup
theircompetitiveedge.Butascompetitiveastechnology
evolutioncanbe,countrieseverywhereshouldcometo-
gethertoaddresstheemergingethicalquestionsaround
AI.Pioneerscanparticipateintheseimportantethical
effortsinseveralways.Forone,theyareauthoringthe
world’sfirstAI-specificregulatorycodes,whichwilllikelybemodelsforregulationinothercountries.Theseleaders
shouldalsoconvenenationsthroughouttheworldindis-cussionsaroundAIethics.(Seesidebar,“
HowSingapore
BecameanAIPioneer
.”)
BOSTONCONSULTINGGROUPTHEAIMATURITYMATRIX:WHICHECONOMIESAREREADYFORAI?10
Exhibit4-DefinitionsoftheArchetypes
LowEXPOSUREHigh
p
Exposedpractitioners
EconomieswithrelativelyhighexposuretoAIandinsu?cientlevelsofreadiness
extremelyhighreadiness
Gradualpractitioners
Economieswithrelativelylow
exposuretoAlandlow
readinessforitsadoption
Steadycontenders
Economieswithrelatively
highexposuretoAland
su?cientlevelsofreadinessforitsadoption
Risingcontenders
EconomieswithrelativelylowexposuretoAIdespitehigh
readinessforitsadoption
AIemergents
Economieswith
extremelylow
readinessand
di?erentlevelsofexposuretoAI
AIpioneers
Economiesabletomeethighlevelsofexposurewith
Bottom10%READINESSTop10%
Sources:BCGCenterforPublicEconomics;BCGanalysis.
AIcontendershavearelativelyhighlevelofAIreadiness.Theseactorsareenjoyingefficientoperations,lowercosts,andotherbenefitsofadoption.Goingfurtherandacceler-atingAIacrosssectorswillstrengthentheirpositions;if
theseeconomiesexpandtheirstakesinnicheorspecial-izedmarkets,theycouldcompetewithAIpioneersinsuchareas.WesplitAIcontendersintotwoarchetypes:
SteadyContenders.Theseeconomieshavehighersharesofhighlyexposedservicesectors,suchasfinancialser-
vices.However,theirexposureisbalancedbyhighreadi-ness.Thisgroupismainlydominatedbyhigh-incomeEu-ropeaneconomieslikeGermany,whichhashighexposureduetoitslargeICTandadvancedmanufacturingsectors.Germany’stechnologicalinnovationandstrongindustrialbaseattractforeigntradeandinvestment.CombinedwithitsrobustAIstrategy,thecountryhasestablisheditselfasastrongplayeringlobaltechmarkets.
AnotablecountryherefromoutsideEuropeisMalaysia.ThestrongfocusoftheMalaysiangovernmentonAIisevidentinitsNationalAIRoadmap,techhubs,anduniversitiesoffer-
ingAItraining.Thisshowshowpublicsectorleadershipcanhelpanemergingeconomyreachtechnologymaturityandcompetitivenessonparwithhigh-incomeeconomies.
RisingContenders.ThesearemainlyeconomieswithlowerAIexposureduetoarelativelyhighershareofindustrialand/orresource-basedmixofsectors.Thislowerlevelofexposureisthemaindifferencebetweenrisingcontendersandsteadycontenders,butgovernmentsinthissubgrouppushforAI
adoptionwiththesamecommitmentassteadycontenders.
AninterestingcasehereisIndia,whichisgroupedwithseveralhigh-incomeeconomiesbecauseofitshighlevelofreadiness.
?TheIndiangovernmenthaslaunchedseveralAI-focusedinitiatives,suchastheNationalAIStrategyandthe
creationofcentersofexcellenceinAI,whichaimtointe-grateAIintokeysectorslikeagricultureandeducation.
?IndiaisinvestingheavilyinAIeducationandtrainingprogramstobuildalarge,tech-skilledworkforce.
?Indiahasarapidlygrowingstartupecosystem,partic-ularlyinAI-drivenfintech,health
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