The microlending market is undergoing significant transformation, primarily driven by the integration of artificial intelligence (AI). This transformation is illustrated by notable initiatives from Spitamen Bank and Tajrupt.ai, as well as FNB and Optasia. These players aim to optimize creditworthiness assessment and personalize credit offers, thereby making loans faster and more accessible. However, this technological evolution is not without risks, especially for SMEs that must quickly adapt to these new dynamics.