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Journal articles on the topic 'Data Privacy in FinTech'

Author: Grafiati

Published: 5 June 2025

Last updated: 2 August 2025

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1

Adedoyin Tolulope Oyewole, Bisola Beatrice Oguejiofor, Nkechi Emmanuella Eneh, Chidiogo Uzoamaka Akpuokwe, and Seun Solomon Bakare. "DATA PRIVACY LAWS AND THEIR IMPACT ON FINANCIAL TECHNOLOGY COMPANIES: A REVIEW." Computer Science & IT Research Journal 5, no. 3 (2024): 628–50. http://dx.doi.org/10.51594/csitrj.v5i3.911.

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In an era where the digital transformation of financial services is both a boon and a battleground, this paper meticulously navigates the intricate relationship between Financial Technology (FinTech) and the evolving landscape of data privacy laws. With the digital economy's expansion, FinTech companies stand at the forefront of innovation, offering unprecedented financial inclusion and efficiency opportunities. However, this rapid advancement also raises significant concerns regarding data privacy and consumer protection, necessitating a delicate balance between innovation and compliance. Thi

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Oluwaseyi, Olakunle Mokuolu. "Achieving data privacy and security in fintech cloud computing environments." World Journal of Advanced Research and Reviews 23, no. 3 (2024): 251–55. https://doi.org/10.5281/zenodo.14910402.

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The rapid adoption of Financial Technology (FinTech) has transformed the financial services industry, with cloud computing playing a crucial role in enabling scalable and efficient services. However, the reliance on cloud environments has also introduced significant data privacy and security challenges. This study explores strategies for achieving robust data privacy and security in FinTech cloud computing environments. Through a comprehensive literature review and qualitative analysis, this study identifies key threats, evaluates existing solutions, and proposes new approaches to safeguard da

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Tektona, Rahmadi Indra. "Legal Implications of Consumer Personal Data Misuse by OJK Licensed Fintech Lending Operators." Arena Hukum 17, no. 1 (2024): 43–63. http://dx.doi.org/10.21776/ub.arenahukum.2024.01701.3.

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The Financial Services Authority (OJK) has released a list of registered and licensed fintechs. The Investment Alert Task Force has taken firm action against illegal fintech lending that has the potential to break the law, along with the Indonesian National Police and the Ministry of Communication and Information. Privacy is violated when personal data are collected and shared. In the misuse of fintech lending consumer personal data, consumer rights are violated, and the loss is in the form of immaterial compensation. The legal implications are not only legal consequences with violations commi

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Bibhu, Dash. "Federated Learning for Privacy-Preserving: A Review of PII Data Analysis in Fintech." International Journal of Software Engineering & Applications (IJSEA) 13, no. 4 (2022): 1–13. https://doi.org/10.5281/zenodo.7061473.

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There has been tremendous growth in the field of AI and machine learning. The developments across these fields have resulted in a considerable increase in other FinTech fields. Cyber security has been described as an essential part of the developments associated with technology. Increased cyber security ensures that people remain protected, and that data remains safe. New methods have been integrated into developing AI that achieves cyber security. The data analysis capabilities of AI and its cyber security functions have ensured that privacy has increased significantly. The ethical concept as

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5

Oluwaseyi Olakunle Mokuolu. "Achieving data privacy and security in fintech cloud computing environments." World Journal of Advanced Research and Reviews 23, no. 3 (2024): 251–55. http://dx.doi.org/10.30574/wjarr.2024.23.3.2675.

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The rapid adoption of Financial Technology (FinTech) has transformed the financial services industry, with cloud computing playing a crucial role in enabling scalable and efficient services. However, the reliance on cloud environments has also introduced significant data privacy and security challenges. This study explores strategies for achieving robust data privacy and security in FinTech cloud computing environments. Through a comprehensive literature review and qualitative analysis, this study identifies key threats, evaluates existing solutions, and proposes new approaches to safeguard da

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Zakaria, Shahsuzan, Suhaily Maizan Abdul Manaf, and Mohd Talmizie Amron. "Fintech Frenzy: An engaging review of the transforming financial services." Environment-Behaviour Proceedings Journal 9, SI19 (2024): 103–8. http://dx.doi.org/10.21834/e-bpj.v9isi19.5775.

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Advancements, opportunities, and challenges in financial technology (fintech) are comprehensively reviewed in this paper. Fintech, powered by AI and blockchain, revolutionises access to financial services. The narrative review analyses academic databases and industry reports, highlighting fintech themes like mobile payments, peer-to-peer lending, robo-advisors, and blockchain. Opportunities include accessible services, efficiency, and cost savings. However, challenges like cybersecurity, regulation, financial inclusion, resistance to change, and data privacy must be addressed. Responsible and

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SINGH, NIDHI. "Data Security and Consumer Trust in Fintech Innovations using Technology Adoption Method." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 05 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem33015.

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This study investigates the interplay between data security and consumer trust in the context of fintech innovation, employing the Technology Adoption Model (TAM) as the theoretical framework. Fintech, characterized by its rapid technological advancements, has revolutionized traditional financial services, offering convenience and efficiency. However, concerns about data security and privacy have emerged as significant barriers to consumer adoption and trust. The research methodology involves a comprehensive literature review to establish the theoretical foundation and empirical analysis of co

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8

Bibhu, Dash. "FEDERATED LEARNING FOR PRIVACY-PRESERVING: A REVIEW OF PII DATA ANALYSIS IN FINTECH." International Journal of Software Engineering & Applications (IJSEA) 13, no. 4 (2023): 1–13. https://doi.org/10.5281/zenodo.8261226.

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There has been tremendous growth in the field of AI and machine learning. The developments across these fields have resulted in a considerable increase in other FinTech fields. Cyber security has been described as an essential part of the developments associated with technology. Increased cyber security ensures that people remain protected, and that data remains safe. New methods have been integrated into developing AI that achieves cyber security.

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Omolara Patricia Olaiya, Temitayo Oluwadamilola Adesoga, Azeez Adekunle Adebayo, Fehintola Moyosore Sotomi, Oluwaseun Aaron Adigun, and Paschal M Ezeliora. "Encryption techniques for financial data security in fintech applications." International Journal of Science and Research Archive 12, no. 1 (2024): 2942–49. http://dx.doi.org/10.30574/ijsra.2024.12.1.1210.

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In the dynamic world of financial technology (Fintech), securing financial data is a key priority. Increasing digital connectivity, adoption of cloud-based services requiring complex measures to protect the integrity, privacy and availability of sensitive information. Encryption techniques are emerging as a key tool to achieve these goals about itself by converting plaintext into ciphertext, protected from unauthorized access and probability violations. This review paper examines the various encryption techniques required to secure financial information in fintech applications. The main method

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Dash, Bibhu, Pawankumar Sharma, and Azad Ali. "Federated Learning for Privacy-Preserving: A Review of PII Data Analysis in Fintech." International Journal of Software Engineering & Applications 13, no. 4 (2022): 1–13. http://dx.doi.org/10.5121/ijsea.2022.13401.

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There has been tremendous growth in the field of AI and machine learning. The developments across these fields have resulted in a considerable increase in other FinTech fields. Cyber security has been described as an essential part of the developments associated with technology. Increased cyber security ensures that people remain protected, and that data remains safe. New methods have been integrated into developing AI that achieves cyber security. The data analysis capabilities of AI and its cyber security functions have ensured that privacy has increased significantly. The ethical concept as

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Researcher. "LEVERAGING DATA-DRIVEN PRODUCT MANAGEMENT TO ENHANCE DIGITAL CUSTOMER EXPERIENCE IN FINTECH." International Journal of Advanced Research in Engineering and Technology (IJARET) 15, no. 5 (2024): 119–39. https://doi.org/10.5281/zenodo.13928214.

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The Fintech subspace is undergoing swift changes now with the aspect of CX that has emerged as a critical way to outcompete others. With customers demanding timely and tailor-made interactions with digital solutions, the management of products in fintech companies has to embrace data. Specifically, using a case study approach, this paper examines how firms can use data analysis, machine learning, and data visualization to improve customer experience and facilitate product innovation in the fintech industry. Analyzing detailed case studies and industry trend analysis, the paper demonstrates how

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Tian, Xin, Jing Selena He, and Meng Han. "Data-driven approaches in FinTech: a survey." Information Discovery and Delivery 49, no. 2 (2021): 123–35. http://dx.doi.org/10.1108/idd-06-2020-0062.

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Purpose This paper aims to explore the latest study of the emerging data-driven approach in the area of FinTech. This paper attempts to provide comprehensive comparisons, including the advantages and disadvantages of different data-driven algorithms applied to FinTech. This paper also attempts to point out the future directions of data-driven approaches in the FinTech domain. Design/methodology/approach This paper explores and summarizes the latest data-driven approaches and algorithms applied in FinTech to the following categories: risk management, data privacy protection, portfolio managemen

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Rudianto, Vinna, and Johny Budiman. "Persepsi Manfaat dan Risiko terhadap Sustainable Development di kota Batam dengan Perilaku Pembayaran Digital sebagai Variabel Mediasi." Ranah Research : Journal of Multidisciplinary Research and Development 6, no. 5 (2024): 1578–85. http://dx.doi.org/10.38035/rrj.v6i5.977.

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Inovasi pada industri 4.0 memberikan kesempatan kepada para pemilik usaha kecil maupun perusahaan besar untuk turut andil dalam penggunaan pembayaran digital. Dilakukan studi ini untuk menguji pengaruh dari economic efficiency, seamless transaction, privacy risk, financial risk, dan operational risk terhadap sustainable development yang di mediasikan oleh finTech behavioral adoption. Pengujian pada penelitian ini memanfaatkan data primer dengan menyebarkan kuesioner kepada masyarakat di kota Batam melalui google form. Hasil analisis yang didapat menggunakan SmartPLS-SEM menunjukkan bahwa FinTe

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Naidu, Adarsh. "Accelerating Fintech Innovations with GAN-Generated Synthetic Data for Customer Behavior Modeling." International Journal of Multidisciplinary Research and Growth Evaluation. 3, no. 2 (2022): 634–38. https://doi.org/10.54660/.ijmrge.2022.3.2.634-638.

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This research article examines the transformative role of Generative Adversarial Networks (GANs) in generating synthetic customer behavior data for the fintech sector. As financial technology firms increasingly integrate machine learning (ML) to enhance services like credit scoring, fraud detection, and customer segmentation, they face challenges such as data scarcity, stringent privacy laws, and imbalanced datasets. GANs provide a solution by creating realistic synthetic datasets that mirror the statistical properties of actual customer data, including transaction histories, spending patterns

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Singh, Avinash, Vikas Pareek, and Ashish Sharma. "A Review on Blockchain for Fintech using Zero Trust Architecture." Journal of information and organizational sciences 48, no. 1 (2024): 191–213. http://dx.doi.org/10.31341/jios.48.1.11.

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Financial Technology (FinTech) has sparked widespread interest and is fast spreading. As a result of its continual growth, new terminology in this domain has been introduced. The name 'FinTech' is one such example. This term covers a wide range of practices that are repeatedly used in the financial technology industry. This processes were typically accomplished in careers or organizations to supply required services through the use of information technology-based applications. The word covers a wide range of delicate subjects, including security, privacy, threats, cyberattacks, and others. Sev

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Gautam, Chandan Kumar. "The Rise of Fintech in India: Transforming Finance through Technology." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem46350.

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Abstract - The twenty-first century has witnessed remarkable advancements across various domains of financial technology (Fintech). Collaboration between technology and finance experts has led to the development of groundbreaking, digitalised solutions for financial operations (Dongare, Moharekar, & Moharekar, 2022; Goel, Kulsrestha, & Maurya, 2022). This paper presents an overview of Fintech's evolution, purpose, and significance. Firstly, it conceptualises Fintech as the broad intersection between technology and finance, a relationship that can be analysed through the framework of th

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Priyanka, Gowda Ashwath Narayana Gowda. "Benefits and Risks of Generative AI in FinTech." Journal of Scientific and Engineering Research 11, no. 5 (2024): 267–75. https://doi.org/10.5281/zenodo.13347650.

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Generative Artificial Intelligence (AI) is considered a breakthrough in terms of technology, especially con-sidering the FinTech sphere. In this paper, the advantages that stem from the introduction of Generative AI in fi-nancial technology as well as the potential challenges that come with it are discussed. This means the decision to embrace Generative AI will lead to significant advancement in process automation, smart customer care, and better forecasting. These developments afford the FinTech firms remarkable operational gains besides providing competi-tive advantages. Nonetheless, the use

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Prasath, V. Ram, and Dr P. Tamil Selvan. "A Study o n Investors Opinion t owards Recent Trends o f Financial Te chnology (Fintech) Development with Special Reference t o N on Banking Financial Companies i n Chennai." Emperor Journal of Finance 03, no. 05 (2024): 55–64. http://dx.doi.org/10.58394/ejf.2024.3506.

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Fintech, or financial technology, has been upending traditional banking and financial services in recent years with innovations like crowdfunding, robo-advisors, peer-to-peer lending, mobile payments, and more. The present study investigates investor attitudes and perspectives of the key factors that will shape the future of fintech, as the industry continues to grow quickly. We analyse the views of 300 individual and institutional investors on new fintech sectors, including reteach,Insurtech, artificial intelligence/machine learning applications, blockchain, cryptocurrencies, and decentralize

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Stevani, Winnie, and Lu Sudirman. "Urgensi Perlindungan Data Pengguna Financial Technology terhadap Aksi Kejahatan Online di Indonesia." Journal of Judicial Review 23, no. 2 (2021): 197. http://dx.doi.org/10.37253/jjr.v23i2.5028.

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The ease and sophistication of technology is used as a loophole for illegal persons to carry out their crimes against the personal data of fintech users so that this problem must be positioned as an urgency of legal protection for the privacy rights of each individual. This incident is also supported by the Covid-19 pandemic because all activities must be carried out online. With these problems, this study aims to determine the legal effectiveness of personal data protection in Indonesia and the resolution of the urgency of online crime against the personal data of fintech users. The results o

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Yamini, Kannan, and Kapil Dharika. "Security Challenges and Solutions in Cloud Computing for Fintech." Journal of Scientific and Engineering Research 9, no. 8 (2022): 140–46. https://doi.org/10.5281/zenodo.11220646.

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This research paper presents an in-depth analysis of the prevalent security concerns in cloud-based FinTech applications. The emerging interaction of financial services and technology, collectively known as FinTech, has been substantially facilitated by cloud computing, offering services characterized by flexibility, scalability, and cost-efficiency. However, the adoption of cloud environments for FinTech applications unveils a series of security challenges. Ranging from breaches of data to shared technology vulnerabilities, these threats pose a significant risk to the privacy and integrity of

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Saugat Nayak. "Leveraging Data-Driven Product Management to Enhance Digital Customer Experience in Fintech." Journal of Information Systems Engineering and Management 10, no. 32s (2025): 63–78. https://doi.org/10.52783/jisem.v10i32s.5188.

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The Fintech subspace is undergoing swift changes now with the aspect of CX that has emerged as a critical way to outcompete others. With customers demanding timely and tailor-made interactions with digital solutions, the management of products in fintech companies has to embrace data. Specifically, using a case study approach, this paper examines how firms can use data analysis, machine learning, and data visualization to improve customer experience and facilitate product innovation in the fintech industry. Analyzing detailed case studies and industry trend analysis, the paper demonstrates how

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Utami, Setiyawati Budi, Andy Dwi Bayu Bawono, and Noer Sasongko. "Pengaruh Privasi, Keamanan, Keandalan, dan Transparansi Terhadap Minat Penggunaan Payment Fintech UMKM di Watukelir." Widya Cipta: Jurnal Sekretari dan Manajemen 7, no. 2 (2023): 228–39. http://dx.doi.org/10.31294/widyacipta.v7i2.15976.

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The growth of fintech companies is driven by the swift progress of information technology. The change in people's lifestyles towards electronic financial systems is the main driving factor. In this context, it is important to continue to increase interest in using fintech by Micro, Small and Medium Enterprises (MSMEs). This study aims to investigate the effect of privacy, security, reliability, and transparency on interest in using fintech, both individually and collectively. The theory used is the Theory of Planned Behaviour, which involves the concepts of privacy, security, reliability, tran

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David Iyanuoluwa Ajiga, Oladimeji Hamza, Adeoluwa Eweje, Eseoghene Kokogho, and Princess Eloho Odio. "Enhancing public sector financial operations and inclusion through innovative Fintech solutions." International Journal of Advanced Economics 7, no. 3 (2025): 62–74. https://doi.org/10.51594/ijae.v7i3.1848.

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This review explores the transformative potential of financial technology (Fintech) in enhancing public sector financial operations and promoting financial inclusion. It examines key Fintech innovations such as automation, blockchain, and artificial intelligence (AI), revolutionizing financial transparency, efficiency, and service delivery in government operations. The paper highlights the challenges of adopting Fintech in the public sector, including regulatory hurdles, technical integration, and data privacy and security concerns. It also identifies emerging trends such as AI, machine learni

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Desiyanti, Rika. "Privasi, Keamanan dan Niat Memakai Payment Fintech LinkAja pada UMKM Padang." Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah 7, no. 2 (2022): 156. http://dx.doi.org/10.29300/ba.v7i2.7827.

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Abstract: The study has purpose to analyze the effect of privacy and security on the intention to use LinkAja’s payment financial technology. Primary data needed and distribute questionnaire through google form. The sampling technique is simple random sampling with a total sample of one hundred and thirty-six respondents. This study using the Smart PLS program include: measurement model assessment (MMA), descrptive analysis, and structural model assessment (SMA). Results show, it can be conclude that privacy does have a positive effect on intentions to use payment financial technology, and als

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Agwi, C. U., and J. Akpojaro. "An Exploratory Study of Fintech Security Concerns among its Users in Nigeria." Advances in Multidisciplinary & Scientific Research Journal Publications 12, no. 2 (2024): 25–36. http://dx.doi.org/10.22624/aims/digital/v11n2p3.

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The rapid growth of financial technology (Fintech) in Nigeria has revolutionized the way people conduct financial transactions. However, this technological advancement brings along a host of security concerns that impact users' trust and confidence in using Fintech platforms. This exploratory study aims to investigate the security concerns among Fintech users in Nigeria, shedding light on the underlying factors contributing to these concerns. This research employs a mixed-methods approach, combining qualitative interviews and quantitative surveys to gather comprehensive data. The qualitative p

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Prastyanti, Rina Arum, Rezi Rezi, and Istiyawati Rahayu. "Ethical Fintech is a New Way of Banking." Kontigensi : Jurnal Ilmiah Manajemen 11, no. 1 (2023): 255–60. http://dx.doi.org/10.56457/jimk.v11i1.353.

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The adoption of Financial Technology (FinTech) and digital banking services has revolutionized the financial industry, providing convenience, accessibility, and cost-effective solutions to users. However, along with its benefits, the widespread use of FinTech has also raised concerns regarding privacy, security, consumer protection, ethical considerations, and regulatory compliance. This paper aims to explore the ethical dimensions of FinTech adoption and the potential negative consequences associated with it. Drawing on qualitative research methods, including interviews and document analysis,

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Zarifis, Alex. "Leadership in Fintech Builds Trust and Reduces Vulnerability More When Combined with Leadership in Sustainability." Sustainability 16, no. 13 (2024): 5757. http://dx.doi.org/10.3390/su16135757.

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Financial technology (Fintech) and sustainability are two of the main drivers in the transformation of many organizations. New innovative technologies create new services for consumers. The focus on sustainability is a necessary reaction to the many challenges faced by organizations and, more broadly, society. The motivation to support these is, therefore, clear, but not all organizations move forward on both with the same enthusiasm. Leaders in Fintech do not always prioritize operating in a sustainable way. It is, therefore, important to explore and identify the synergies between Fintech and

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Tunji, Semiu Adaramola, Mary Omole Olayinka, Wada Ifeoluwa, Nwariaku Harold, Ebunoluwa Arowolo Modupe, and Aaron Adigun Oluwaseun. "Internet of thing integration in green fintech for enhanced resource management in smart cities." World Journal of Advanced Research and Reviews 23, no. 2 (2024): 1317–27. https://doi.org/10.5281/zenodo.14855578.

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The integration of the Internet of Things (IoT) and Green Fintech in smart cities represents a transformative approach to resource management, addressing the inefficiencies and sustainability challenges posed by rapid urbanization. IoT technologies, through interconnected sensors and real-time data processing, enable precise monitoring and management of urban resources such as energy, water, waste, and transportation. Concurrently, Green Fintech leverages financial innovations to support environmental sustainability, including sustainable investments, green banking, and carbon credit trading.

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Anwar, Shaista, Nael Sayedahmed, and Suja Pradeep. "AI-driven risk management in online financial transactions: Enhancing cybersecurity in the fintech ERA." International Journal of Innovative Research and Scientific Studies 8, no. 4 (2025): 328–35. https://doi.org/10.53894/ijirss.v8i4.7784.

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This study investigates the evolving role of artificial intelligence (AI) in enhancing cybersecurity risk management within fintech platforms. It focuses on how AI-driven systems impact threat detection capabilities, regulatory compliance, and algorithmic transparency in online financial transactions. A quantitative research design was employed, analyzing cybersecurity and privacy compliance data from 15 fintech platforms across North America, Europe, and Southeast Asia. Data sources included public audits, white papers, and platform-level documentation. The study tested three hypotheses conce

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Aldboush, Hassan H. H., and Marah Ferdous. "Building Trust in Fintech: An Analysis of Ethical and Privacy Considerations in the Intersection of Big Data, AI, and Customer Trust." International Journal of Financial Studies 11, no. 3 (2023): 90. http://dx.doi.org/10.3390/ijfs11030090.

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This research paper explores the ethical considerations in using financial technology (fintech), focusing on big data, artificial intelligence (AI), and privacy. Using a systematic literature-review methodology, the study identifies ethical and privacy issues related to fintech, including bias, discrimination, privacy, transparency, justice, ownership, and control. The findings emphasize the importance of safeguarding customer data, complying with data protection laws, and promoting corporate digital responsibility. The study provides practical suggestions for companies, including the use of e

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Dewi Sartika Saimima, Ika, and Valentino Gola Patria. "The Fintech Phenomenon: Protection of Consumer Privacy Data in Online Lending." Jurnal Kajian Ilmiah 21, no. 2 (2021): 185–94. http://dx.doi.org/10.31599/jki.v21i2.564.

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Abstract  Financial technology innovation that occurs nowadays leads to accelerated changes in the financial sector. However, these developments are like double-edged swords, on the one hand they provide convenience for consumers, on the other hand pose risks for consumers related to the confidentiality of their personal data. Money lending business through Peer to Peer lending (P2P lending) system often results in consumers receiving threats when they are late making payments. This paper presents several cases that result in consumers experiencing personal data theft, receiving th

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Avvari, Shanmukha Sai Nadh. "Advanced Security Innovations Reshaping the FinTech Landscape." European Journal of Computer Science and Information Technology 13, no. 15 (2025): 102–9. https://doi.org/10.37745/ejcsit.2013/vol13n15102109.

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This article examines the transformative impact of advanced security innovations reshaping the FinTech landscape. The article investigates four key technological developments: Zero Trust Architecture (ZTA), AI-powered threat detection systems, Homomorphic Encryption with Secure Multi-party Computation (SMPC), and blockchain technology. Through a comprehensive analysis of implementation data across global financial institutions, the article demonstrates how these innovations are revolutionizing security frameworks, fraud prevention capabilities, privacy-preserving computing, and transaction sec

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Singhvi, Shilpi, and Manish Dadhich. "FinTech Revolution and Future of Sustainable Banking: Opportunities and Risks Analysis." International Journal of Management and Development Studies 12, no. 04 (2023): 12–21. http://dx.doi.org/10.53983/ijmds.v12n04.003.

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The FinTech revolution has disrupted the traditional banking industry, creating new opportunities for innovation and growth. The integration of FinTech has the potential to drive positive social and environmental impact in the banking industry, contributing to the achievement of sustainability goals globally. However, this revolution also poses significant risks, including cybersecurity threats, data privacy concerns, limited regulatory oversight, limited access to capital, and the risk of exacerbating inequalities. This paper analyzes the opportunities and risks associated with the FinTech re

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Bartoo, Henry, Samuel Warui, and Robert Kasisi. "Financial Technology Adoption and Technical Efficiency of Commercial Banks in Kenya." Journal of Finance and Accounting 13, no. 2 (2025): 64–70. https://doi.org/10.11648/j.jfa.20251302.11.

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The adoption of financial technology (FinTech) has transformed the banking sector by enhancing operational efficiency and service delivery. This study examines the relationship between FinTech adoption and the technical efficiency of commercial banks in Kenya. Using Pearson correlation analysis, the study establishes strong positive relationships between FinTech adoption and technical efficiency (r = 0.68), as well as mobile banking (r = 0.66) and digital lending (r = 0.62) with technical efficiency. A multiple regression model was employed to assess the predictive influence of FinTech adoptio

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Kapil, Dharika, and Yamini Kannan. "Cloud Computing in Fintech: Opportunities and Challenges: Assess the role of cloud services in financial technology, including potential benefits and risks." European Journal of Advances in Engineering and Technology 10, no. 5 (2023): 76–79. https://doi.org/10.5281/zenodo.10901179.

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<strong>ABSTRACT</strong> Cloud computing has emerged as a pivotal force in the evolution of financial technology (FinTech). This paper delves into the dual aspects of cloud computing in FinTech, analyzing both the opportunities it presents and the technical challenges it poses. We commence by examining the current FinTech landscape, with a particular emphasis on its interplay with cloud computing technologies. The paper highlights the numerous advantages offered by cloud computing in the FinTech sector, including scalability, agility, cost-effectiveness, and advanced data analytics capabiliti

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Rohendi, Acep, and Dona Budi Kharisma. "Personal data protection in fintech: A case study from Indonesia." Journal of Infrastructure, Policy and Development 8, no. 7 (2024): 4158. http://dx.doi.org/10.24294/jipd.v8i7.4158.

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Personal data privacy regulation and mitigation are critical in implementing financial technology (fintech). Problems with fintech users’ data might result from data breaches, improper usage, and trade. Issues with personal data will result in financial losses, crimes, and violations of personal information. This legal research used three approaches: conceptual, comparative, and statute-based. In order to implement the statutory method, all laws and regulations pertaining to the legal concerns of information technology, fintech, personal data security, and protection are reviewed. Due to the n

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Bhatta, Sheena, Bal Ram Duwal, and Kishor Hakuduwal. "Assessing the Mediating Role of Perceived Usefulness towards the Adoption of Financial Technology (FinTech) in Nepal." Nepal Journal of Multidisciplinary Research 8, no. 3 (2025): 123–43. https://doi.org/10.3126/njmr.v8i3.79180.

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Background: In Nepal, the financial technologies (FinTech) sector is expanding rapidly, with 25.8 million digital wallet accounts and 26.5 million mobile banking accounts by mid-January 2025. Despite the swift proliferation of FinTech services in Nepal, widespread adoption has not yet been observed. While research has been done globally on FinTech adoption, there is limited research on drivers of adoption intention, including mediation effects in the Nepalese context. Objectives: The major objective of the study is to scrutinize the effect of trust; security & privacy; and perceived ease o

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Idongesit Oto Eshiett. "FinTech privacy security and customer engagement in Nigerian financial sector." Open Access Research Journal of Science and Technology 12, no. 2 (2024): 155–68. https://doi.org/10.53022/oarjst.2024.12.2.0146.

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One of the key achievements of digitization is the emergence of finance resources that could manage massive customer needs in the financial sector and tagged ‘Fintech’ the proliferation of this technology has become commonplace; creating plausible value addition in service delivery; as well as privacy concern on the technology effect on customer personal security/privacy information. The objective of this study is to examine fin-tech privacy security and customer engagement in Nigerian Financial Sector. Key issues to be considered include: customer privacy data protection, user application pol

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Wihelmina Afua Addy, Onyeka Chrisanctus Ofodile, Omotoya Bukola Adeoye, et al. "DATA-DRIVEN SUSTAINABILITY: HOW FINTECH INNOVATIONS ARE SUPPORTING GREEN FINANCE." Engineering Science & Technology Journal 5, no. 3 (2024): 760–73. http://dx.doi.org/10.51594/estj.v5i3.871.

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In recent years, the intersection of finance and sustainability has garnered significant attention as the global community grapples with the urgent need to address environmental challenges. This abstract explores the role of fintech innovations in supporting green finance through data-driven approaches. Fintech, characterized by its use of technology to enhance financial services, has emerged as a key driver of sustainability by leveraging data analytics, machine learning, and blockchain technology to promote environmental sustainability and facilitate green investments. Fintech innovations ar

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Xiong, Beijia, Bobin Yang, and Haoyu Xu. "Can Fintech mitigate business risks?--Evidence from the Chinese market." Highlights in Business, Economics and Management 33 (May 9, 2024): 39–47. http://dx.doi.org/10.54097/6xpz9540.

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Fintech is an important supplement to the traditional financial system, and its development is a good medicine to alleviate the financing constraints and business risks of enterprises. Based on the data of listed enterprises from 2004 to 2021, this paper adopts the method of panel linear regression to explore the impact of the level of Fintech development on the operating difficulties of local enterprises. The results show that increasing the level of Fintech development can effectively reduce the business risks faced by enterprises, and the conclusion still holds after a series of robustness

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Alfian, Mohammad, Arifany Ferida, and Arvin Nova Aditya Pratama. "Faktor Kunci Adopsi Fintech dalam Moda Pembayaran Biaya Pendidikan (Studi pada Mahasiswa Politeknik Harapan Bersama)." Owner 7, no. 3 (2023): 2577–89. http://dx.doi.org/10.33395/owner.v7i3.1449.

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The industrial revolution 4.0 has driven changes in various sectors, including economics. The Covid 19 pandemic has also driven change by way of payment. The use of Fintech by students is one form of that change that occurs in the method of transactions that were previously carried out directly to indirectly. This study examines the determinants of students paying tuition fees using fintech. This study uses PLS analysis with the SmartPLS 3 test tool. The amount of data processed in this study was 171, which method was used in selecting the sample, namely random sampling. Based on the results o

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Jiang, Lina, Pin Shen, and Xiaolu Hu. "A Study on Legal Safeguards and Risk Control in FinTech Regulatory Sandboxes." Modern Economics & Management Forum 6, no. 3 (2025): 324. https://doi.org/10.32629/memf.v6i3.4000.

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This paper discusses the legal safeguards and risk control strategies in FinTech regulatory sandboxes. By analyzing the practice of international regulatory sandboxes and combining it with the actual situation in China, it proposes a set of legal safeguards framework and risk control system of regulatory sandboxes suitable for China's national conditions, aiming at balancing the relationship between FinTech innovation and financial stability and promoting the healthy development of FinTech. The study centers on exploring how to carry out FinTech innovation in a controlled environment, ensuring

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Nigam, Ankita. "Leveraging Blockchain Technology to Transform Traditional Marketing Strategies into Secure and Efficient Practices." Financial Technology and Innovation 2, no. 2 (2023): 37–47. http://dx.doi.org/10.54216/fintech-i.020204.

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The suggested approach, dubbed Blockchain-Enabled Secure Marketing (BESM), utilizes blockchain technology to usher in a new age in digital advertising. To solve the problems that have plagued marketing in the past, BESM combines three cutting-edge algorithms: Decentralized Identity Verification (DIVA), Consensus-Driven Targeting (CDTA), and Immutable Performance Analytics (IPAA). DIVA offers user privacy and security via decentralized identity verification, leveraging cryptographic hashes and digital signatures. CDTA revolutionizes audience selection by combining consensus-driven decision-maki

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Peong, Kwee Kim, Kwee Peng Peong, and Kui Yean Tan. "Behavioural Intention of Commercial Banks’ Customers towards Financial Technology Services." GATR Journal of Finance and Banking Review VOL. 5 (4) JAN-MAR. 2021 5, no. 4 (2021): 10–27. http://dx.doi.org/10.35609/jfbr.2021.5.4(2).

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Objective – The objective of this study is to determine the process that takes place in the employment of financial technology in the financial services industry. It is of utmost important that FinTech firms and commercial banks understand the predictors that can influence their consumers’ decision to adopt FinTech services and to increase loyalty toward their services. Methodology/Technique – An online survey was used in the present research to explore factors that can influence commercial bank users’ intention to use FinTech services in Malaysia. The data for the current study was gathered f

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Mohammad, Edris Abdurahimzai. "The Legal Implications of Disruptive Financial Technologies." Trinity Law Review 3, no. 1 (2023): 31–40. https://doi.org/10.5281/zenodo.7863287.

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Financial technology (FinTech) has rapidly transformed the traditional financial services industry, offering new ways of accessing, managing and investing money. However, with these advancements come various legal challenges that require attention. This paper examines the intersection of FinTech and law, discussing the regulatory challenges and legal implications of disruptive financial technologies. The paper also explores the role of law in shaping the future of FinTech and ensuring compliance in a FinTech-driven economy. Additionally, the paper analyzes the legal frameworks and best practic

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Ganchev, Gancho, Mariya Paskaleva, and Stoyan Tanchev. "FinTech Impact on Social and Income Inequality." Financial Navigator Journal (Selected Edition) 10, no. 1 (2025): 112–20. https://doi.org/10.56065/fnj2025.1.112.

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The rapid digital transformation of the financial sector, particularly through financial technologies (FinTech), has significantly redefined the dynamics of banking, investment, insurance, and payment systems. This paper explores the evolving FinTech ecosystem, analyzing its potential to impact social and income inequality. At the core of this transformation is a shift towards greater financial inclusion, especially for underserved populations. FinTech’s role in bridging gaps in access to credit, savings, and insurance is examined, alongside the risks related to digital divides, data privacy,

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Rahardja, Untung, Mohammad Miftah, Mohamad Rakhmansyah, and Jihan Zanubiya. "Revolutionizing Financial Services with Big Data and Fintech: A Scalable Approach to Innovation." ADI Journal on Recent Innovation (AJRI) 6, no. 2 (2025): 118–29. https://doi.org/10.34306/ajri.v6i2.1180.

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The rapid evolution of technology has significantly transformed the financial services sector, positioning big data and fintech as pivotal drivers of innovation. This paper explores the integration of big data analytics and fintech solutions to address critical challenges such as operational inefficiency, limited financial inclusion, and scalability issues within the financial ecosystem. Employing a qualitative research method, this study combines an extensive literature review and case study analysis from financial institutions and fintech platforms to develop a comprehensive framework. The f

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Nurdin, Tubagus Asep, Mohammad Benny Alexandri, Widya Sumadinata, and Ria Arifianti. "Sentiment Analysis of User Preference for Old Vs New Fintech Technology Using SVM and NB Algorithms." Management Systems in Production Engineering 31, no. 4 (2023): 373–80. http://dx.doi.org/10.2478/mspe-2023-0041.

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Abstract The aim of this study is to use sentiment analysis to compare the efficiency of old and new fintech technologies by collecting data from various sources and analyzing it using the SVM and NB algorithms. The study seeks to identify opinions or feelings from text in order to provide a clear picture of public opinion and the direction of the debate regarding old and new fintech technologies. The results of the study show that the SVM algorithm has an average accuracy of 87.32% and the NB algorithm has an average accuracy of 81.56% in testing the sample data in a comparison of old and new

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Oritsematosan Faith Dudu, Olakunle Babatunde Alao, and Enoch O. Alonge. "Conceptual framework for AI-driven tax compliance in fintech ecosystems." International Journal of Frontiers in Engineering and Technology Research 7, no. 2 (2024): 001–10. http://dx.doi.org/10.53294/ijfetr.2024.7.2.0045.

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This paper comprehensively reviews the integration of Artificial Intelligence (AI) into tax compliance processes within fintech ecosystems. It explores the theoretical foundations of AI technologies, such as machine learning and predictive analytics, and how they can automate tax reporting, auditing, and compliance monitoring. Conceptual models for AI-driven tax compliance are proposed, highlighting the potential for increased efficiency, accuracy, and cost reduction. The paper also examines challenges associated with AI adoption, including algorithmic biases, ethical concerns, data privacy is

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DEEPIKA, S. "Role of AI in Financial Technology." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 04 (2025): 1–9. https://doi.org/10.55041/ijsrem45597.

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ABSTRACT The integration of Artificial Intelligence (AI) in financial technology (fintech) has revolutionized the delivery, consumption, and management of financial services. This study examines the transformative role of AI in fintech, highlighting its applications, benefits, and challenges. A comprehensive review of existing literature and expert interviews reveals AI's profound impact on enhancing customer experience, credit risk assessment, fraud detection, and regulatory compliance. AI-powered chatbots, machine learning algorithms, and natural language processing have significantly improv

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