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Journal articles on the topic 'Fintech technologies'

Author: Grafiati

Published: 7 June 2025

Last updated: 2 August 2025

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1

Kawimbe, Sidney, Burton Mweemba, and Francis Mukosa. "An Appraisal of the Impact of Financial Technologies (FinTechs) on Financial Inclusions in Selected Parts of Zambia." International Journal of Finance 10, no. 1 (2025): 54–74. https://doi.org/10.47941/ijf.2487.

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Purpose: In recent years, the rise of Financial Technologies (FinTechs) has transformed the landscape of financial services, particularly in terms of expanding access to financial products and services, known as financial inclusion. The study seeks to understand how FinTech innovations contribute to bridging the gap between the banked and unbanked, promoting financial literacy, and fostering a culture of financial empowerment. Methodology: The study employed a mixed methods approach to gather comprehensive insights. A target sample size of 1,200 individuals was carefully selected across six di

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Pal, Anagh, Shreya Gopi, and Kwan Min Lee. "Fintech Agents: Technologies and Theories." Electronics 12, no. 15 (2023): 3301. http://dx.doi.org/10.3390/electronics12153301.

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Many financial technology (fintech) applications have incorporated interactive computer agents to act as mediators between the user and the fintech system. This paper provides a comprehensive review of interactive fintech agents from technological and social science perspectives. First, we explain the general fintech landscape and define interactive fintech agents. Next, we review the major technologies involved in creating fintech: (1) artificial intelligence and machine learning, (2) big data, (3) cloud computing, and (4) blockchain; as well as the specific key technologies enabling the foll

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Lăzăroiu, George, Mădălina Bogdan, Marinela Geamănu, Lăcrămioara Hurloiu, Luminița Luminița, and Roxana Ștefănescu. "Artificial intelligence algorithms and cloud computing technologies in blockchain-based fintech management." Oeconomia Copernicana 14, no. 3 (2023): 707–30. http://dx.doi.org/10.24136/oc.2023.021.

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Research background: Fintech development shapes corporate investment efficiency and economic growth with innovative tools, and can decrease financing constraints of enterprises, enabling direct and indirect financing and furthering inter-bank competition. Crowdfunding- and blockchain-based fintech operations harness deep and maching learning algorithms, augmented and virtual reality technologies, and big data analytics in mobile payment transactions. Purpose of the article: We show that fintechs have reconfigured financial service delivery by harnessing AI-based data-driven algorithms and clou

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Srishti Chandel. "Innovation in Financial Services: Disrupting Traditional Banking with Fintech." COMMERCE RESEARCH REVIEW 2, no. 1 (2025): 68–75. https://doi.org/10.21844/crr.v2i01.1123.

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Fintech's explosive expansion has drastically changed the global financial scene, especially by upending establishedbanking structures. The paper addresses the primary forces driving the emergence of fintech, how it is changing traditionalbanking procedures, and the tactics used by well-established financial institutions to stay competitive. Fintech innovationsare growing in popularity among consumers because of their user-friendly, easily available, and effective financial services.The findings reflect that fintech technologies, including robo-advisors, peer-to-peer lending, digital wallets,

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Doroshenko, Olena. "FORMATION OF THE FINTECH SECTOR: OPPORTUNITIES AND RISKS IN THE CONDITIONS OF THE DIGITAL ECONOMY." Actual Problems of Economics 1, no. 259 (2023): 24–34. http://dx.doi.org/10.32752/1993-6788-2022-1-259-24-34.

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The article is devoted to the study of the state, trends and prospects of the development of the FinTech sector, the identification of opportunities and risks of its development in the conditions of the digital economy, and the determination of measures to accelerate such development. The main trends of FinTech development are analyzed. The advantages of using fintech providers have been determined, in particular: fast provision of financial services; a small number of regulatory requirements; the possibility of cooperation with banks; facilitating access to instant funds for urgent needs or l

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Doroshenko, Olena. "FORMATION OF THE FINTECH SECTOR: OPPORTUNITIES AND RISKS IN THE CONDITIONS OF THE DIGITAL ECONOMY." Actual Problems of Economics 1, no. 259 (2023): 24–34. http://dx.doi.org/10.32752/1993-6788-2023-1-259-24-34.

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The article is devoted to the study of the state, trends and prospects of the development of the FinTech sector, the identification of opportunities and risks of its development in the conditions of the digital economy, and the determination of measures to accelerate such development. The main trends of FinTech development are analyzed. The advantages of using fintech providers have been determined, in particular: fast provision of financial services; a small number of regulatory requirements; the possibility of cooperation with banks; facilitating access to instant funds for urgent needs or l

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Antonets, Victoria G. "SELECTING KEY PERFORMANCE INDICATORS IN FINANCIAL TECHNOLOGIES." EKONOMIKA I UPRAVLENIE: PROBLEMY, RESHENIYA 11/11, no. 152 (2024): 163–70. https://doi.org/10.36871/ek.up.p.r.2024.11.11.019.

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Key performance measures in fintechs are heavily focused on financial metrics, to the detriment of important aspects such as risk assessment, controls and corporate culture. This study comprehensively assesses the selection of KPIs in fintechs, describing common patterns, challenges and potential strategies for the development and implementation of KPIs. It revealed a significant mismatch of KPIs, especially in the context of risk assessment. The findings suggest that KPIs should reflect financial metrics and encompass risk management and organisational behaviour, advocating for a unified appr

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Alabedi, Ali Jumaah Falih, and Dildar Haydar Ahmed. "Fintech Strategies During COVID-19 and the Pandemic's Impact on Technologies." International Journal on Economics, Finance and Sustainable Development 6, no. 5 (2024): 1–18. http://dx.doi.org/10.31149/ijefsd.v6i5.5277.

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The COVID-19 pandemic has catalyzed significant transformations in financial technologies (fintech), amidst enduring economic uncertainties and emerging opportunities. This paper systematically reviews literature on fintech disruptions, response strategies, innovations, and implications during the pandemic. Analysis covers pre-crisis fintech trends, the origins of COVID-19 impacts on the industry, digital accelerations in traditional financial services, regulatory and cybersecurity challenges, customer-centric product developments, and potential future collaborations. Findings reveal fintech i

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Vu, Thanh Son, Chien Thang Nguyen, and Hoang Le Duc. "The Impact of FinTech on Retail Banking: Empirical Evidence from Bank for Investment and Development of Vietnam." International Journal of Research and Review 11, no. 1 (2024): 656–70. http://dx.doi.org/10.52403/ijrr.20240174.

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This paper is aimed at (i) synthesizing the impacts of FinTech on retail banking; (ii) analyzing the Vietnam FinTech and retail banking sector (iii) assessing the impacts of FinTech on retail banking of Bank for Investment and Development of Vietnam (BIDV) – the biggest bank in Vietnam in term of asset with strong digital transformation and retail banking orientation. Using secondary data and internal information of BIDV, key findings are: First, the impacts of FinTech on retail banking are mixed. FinTech's growth has promoted banking services by enhancing the flexibility and usability of fina

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Pulatov, Temurbek. "Concepts of Digital Financial Technologies and Their Legal Nature." International Journal of Law and Policy 3, no. 1 (2025): 22–37. https://doi.org/10.59022/ijlp.260.

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Digital financial technologies (FinTech) have revolutionized the financial industry by integrating innovations such as blockchain, artificial intelligence, and decentralized finance into traditional systems. This study explores the conceptual evolution of FinTech and its legal and regulatory implications within global markets. It addresses challenges in defining, classifying, and regulating FinTech while maintaining market integrity and consumer trust. Using an integrative literature review of recent peer-reviewed articles, policy reports, and regulatory frameworks, the study examines themes l

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Al Hammadi, Mohamed, Juan Antonio Jimber-Del Río, María Salomé Ochoa-Rico, Orlando Arencibia Montero, and Arnaldo Vergara-Romero. "Risk Management in Islamic Banking: The Impact of Financial Technologies through Empirical Insights from the UAE." Risks 12, no. 2 (2024): 17. http://dx.doi.org/10.3390/risks12020017.

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Financial technology (fintech) innovations are transforming banking globally. Their adoption poses new opportunities and risks for Islamic banks with unique requirements. This study examines fintech’s implications for risk management effectiveness in United Arab Emirates Islamic banks. A conceptual model incorporates factors like fintech adoption, emerging capabilities, digital maturity, and IT security influencing outcomes. Primary data were collected via survey from nine UAE Islamic banks and analyzed using PLS-SEM. Results show that fintech adoption and capabilities positively impacted effe

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Ranjan, Sudhansu. "Financial Services Affect by Financial Technologies." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50077.

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ABSTRACT Financial offerings have been revolutionized by the upward shove of economic technologies, generally called "FinTech." FinTech refers to the utility of science to enhance and automate economic services. This has impacted the economic offerings industry in various ways. Firstly, FinTech has made economic offerings greater available and convenient. Customers can now get entry to monetary offerings from the remedy of their residences the use of their smartphones or computers. This has led to extended opposition in the monetary offerings industry, with standard banks going through opposit

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kumar, Sahil. "Financial Services Affect by Financial Technologies." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50851.

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Financial offerings have been revolutionized by the upward shove of economic technologies, generally called "FinTech." FinTech refers to the utility of science to enhance and automate economic services. This has impacted the economic offerings industry in various ways. Firstly, FinTech has made economic offerings greater available and convenient. Customers can now get entry to monetary offerings from the remedy of their residences the use of their smartphones or computers. This has led to extended opposition in the monetary offerings industry, with standard banks going through opposition from

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14

Abdul-Rahim, Ruzita, Siti Aisah Bohari, Aini Aman, and Zainudin Awang. "Benefit–Risk Perceptions of FinTech Adoption for Sustainability from Bank Consumers’ Perspective: The Moderating Role of Fear of COVID-19." Sustainability 14, no. 14 (2022): 8357. http://dx.doi.org/10.3390/su14148357.

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Industry 4.0 technologies, designed to optimize efficiencies, are indisputable change agents for sustainability. In the context of financial technology (FinTech), the burgeoning question concerns how to create FinTech natives from the COVID-19-pandemic-induced adoption and realize FinTech’s impact on sustainability? Thus, this study had the following purposes: (1) to examine whether perceived benefits and risks affect FinTech services adoption; (2) to test the role of fear of COVID-19 in FinTech adoption; and (3) to investigate whether FinTech adoption contributes to sustainability. The hypoth

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15

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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Haans, Jeroen. "The Fintech Revolution: Why the Predictions Have (Not) Come True." Derecho en Sociedad 19, no. 1 (2025): 223–30. https://doi.org/10.63058/des.v19i1.318.

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Fintechs in the Netherlands appear unable to compete on fundamental grounds with major banks such as ABN AMRO, ING Bank and Rabobank. By means of interviews with representatives of fintechs, policymakers, supervisors and academics, research was conducted into the extent to which the predicted fintech revolution has failed, which obstacles fintechs experience and whether the introduction of a CBDC can stimulate the fintech revolution. Banks may not have been outcompeted by fintechs, but financial services have indeed been fundamentally changed by the application of digital technologies. Fintech

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17

Syed Tanveer Alam. "Revolutionizing energy payments: The role of fintech in streamlining transactions." World Journal of Advanced Research and Reviews 22, no. 2 (2024): 2074–83. http://dx.doi.org/10.30574/wjarr.2024.22.2.1626.

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In today's rapidly evolving financial landscape, financial technology (FinTech) is playing a pivotal role in transforming the way energy payments are processed and managed. This review delves into the ways in which FinTech is revolutionizing traditional energy payment practices, enhancing efficiency, security, transparency of payment processes, and accessibility for both consumers and businesses, as well as streamlining transactions. By examining the integration of FinTech solutions with energy payment systems, this paper explores how technologies like blockchain, artificial intelligence, smar

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Syed, Tanveer Alam. "Revolutionizing energy payments: The role of fintech in streamlining transactions." World Journal of Advanced Research and Reviews 22, no. 2 (2024): 2074–83. https://doi.org/10.5281/zenodo.14716075.

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In today's rapidly evolving financial landscape, financial technology (FinTech) is playing a pivotal role in transforming the way energy payments are processed and managed. This review delves into the ways in which FinTech is revolutionizing traditional energy payment practices, enhancing efficiency, security, transparency of payment processes, and accessibility for both consumers and businesses, as well as streamlining transactions. By examining the integration of FinTech solutions with energy payment systems, this paper explores how technologies like blockchain, artificial intelligence, smar

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19

Iriobe, Grace, Harley Williams, Thomas Ayodele, and Sola Afolabi. "Financial technologies’ evolution and traditional banking: A study of retail payments in Nigeria." Global Journal of Business, Economics and Management: Current Issues 11, no. 3 (2021): 163–77. http://dx.doi.org/10.18844/gjbem.v11i3.5369.

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Abstract The world of digitalisation is impacting on all aspects of socioeconomic life. This notable change also applies to the financial sector of the global economy. The activities and services of financial technology (FINTECH) overlap with that of traditional banking services. The study seeks to investigate the impact of FINTECH evolution on traditional banking institutions to picture the future of payment systems in Nigeria. Two methods of data analysis were used in the study. An econometric method of data analysis was used to conceptualise the findings of the study. Results from the test

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Mah, Pascal Muam, Iwona Skalna, John Muzam, and Lilian Kuyiena Song. "Analysis of Natural Language Processing in the FinTech Models of Mid-21st Century." September 2022 4, no. 3 (2022): 183–211. http://dx.doi.org/10.36548/itdw.2022.3.005.

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FinTech is a digital innovation technology that aims to educate and enable the world on how to create utility values in every activity. Natural language processing is one of the umbrella systems that has unite other innovative technologies behind FinTech. Technological system drivers regarded as "ABCDE" of FinTech consist of Artificial intelligence, Blockchain, Cloud computing, big data, and the internet of things. As communication took the lead in the second half of the 21st century, most companies are moving remotely, leading to much-needed innovation in FinTech. The study presents how natur

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Pascal Muam Mah, Iwona Skalna, John Muzam, and Lilian Kuyiena Song. "Analysis of Natural Language Processing in the FinTech Models of Mid-21st Century." September 2022 4, no. 3 (2022): 183–211. http://dx.doi.org/10.36548/jitdw.2022.3.005.

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FinTech is a digital innovation technology that aims to educate and enable the world on how to create utility values in every activity. Natural language processing is one of the umbrella systems that has unite other innovative technologies behind FinTech. Technological system drivers regarded as "ABCDE" of FinTech consist of Artificial intelligence, Blockchain, Cloud computing, big data, and the internet of things. As communication took the lead in the second half of the 21st century, most companies are moving remotely, leading to much-needed innovation in FinTech. The study presents how natur

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Tase, Jaydeep. "Reshaping FinTech with Blockchain Technologies." International Journal for Research in Applied Science and Engineering Technology 12, no. 8 (2024): 163–74. http://dx.doi.org/10.22214/ijraset.2024.63843.

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Abstract: This comprehensive article explores the transformative potential of blockchain technology in the FinTech sector, addressing current challenges and opportunities. It examines the evolving landscape of FinTech, discusses supply chain inefficiencies, administrative overheads, and error-prone systems, and presents blockchain as a solution to these issues. The article delves into the benefits of permissioned blockchains, the importance of scalability and interoperability, and the role of blockchain in building trust-based models. It also covers ROI predictions, implementation strategies,

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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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Veera Vakkapatla. "Technological transformation of transactions with the rise of FINTECH." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 2053–59. http://dx.doi.org/10.30574/wjarr.2024.24.1.3231.

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In recent years, the entire financial landscape has experienced a significant transformation due to the rise of financial technology simply called Fintech, which has redefined the transaction processes and democratized the access to financial services. This review focuses on how fintech is transforming transactions by enhancing efficiency, increasing security, providing transparency, and creating accessibility for consumers and businesses alike. Key technologies such as blockchain, artificial intelligence, smart contracts, digital wallets, and mobile applications are transforming transactions,

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Veera, Vakkapatla. "Technological transformation of transactions with the rise of FINTECH." World Journal of Advanced Research and Reviews 24, no. 1 (2024): 2053–59. https://doi.org/10.5281/zenodo.15051447.

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In recent years, the entire financial landscape has experienced a significant transformation due to the rise of financial technology simply called Fintech, which has redefined the transaction processes and democratized the access to financial services. This review focuses on how fintech is transforming transactions by enhancing efficiency, increasing security, providing transparency, and creating accessibility for consumers and businesses alike. Key technologies such as blockchain, artificial intelligence, smart contracts, digital wallets, and mobile applications are transforming transactions,

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Feghali, Khalil, Lama Daher, and Pamela Nassif. "The influence of Fintech on Financial Inclusion: An International Study." Indonesian Management and Accounting Research 23, no. 1 (2024): 65–86. http://dx.doi.org/10.25105/imar.v23i1.18312.

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The digital transformation supported by Fintech firms is rapidly transforming the nature and the shape of the financial markets all over the world, especially after the Covid-19 outbreak and the recent pandemic that have accelerated the implementation and development of these technologies. This disruption on the financial markets is leading to changes in different processes, products and services. Nevertheless, it is argued that the importance of the effect of Fintech is linked to two main factors: including the individuals left out by the financial markets, thus increasing financial inclusion

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Nayak, Poonamben Rajeshkumar, and Shivani M. Raval. "Financial Technology (Fintech) and Financial Inclusion: Analyzing the Role of Innovative Technologies in Expanding Access to Financial Services." TECHNO REVIEW Journal of Technology and Management 4, no. 2 (2024): 12–20. http://dx.doi.org/10.31305/trjtm2024.v04.n02.002.

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This study examines the crucial role of Financial Technology (Fintech) in improving financial inclusion, with a specific focus on how innovative technologies are increasing the availability of financial services for marginalised communities. The report commences by providing a clear definition of Fintech and its extent, followed by a summary of financial inclusion, emphasising its importance in promoting economic expansion and mitigating inequality. A thorough literature analysis examines the historical background of financial inclusion, the development of Fintech, and the current study on how

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Kruglikov, S. V., and M. V. Ivashkin. "Application of logistics service information technologies." Herald of the Ural State University of Railway Transport, no. 4 (2022): 47–59. http://dx.doi.org/10.20291/2079-0392-2022-4-47-59.

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The paper considers the information technologies applicability from two points of view on logistics processes: Fintech and traditional logistics. On the basis of the developed terminology, modern approaches to logistics processes are analyzed. In particular, it is determined that in traditional logistics, information technologies support cargo shipments, thereby automating the auxiliary processes of cargo transportation. Whereas Fintech treats information technologies as integral components of logistics services. A hypothesis on the Fintech applicability in logistics traditional for the Russia

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Singh, Gopal. "The Future of Fintech: Emerging Technologies Reshaping Finance." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50063.

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Abstract The financial technology (Fintech) sector is undergoing a profound transformation, disrupting traditional banking models and reimagining how individuals and institutions access, manage, and utilize financial services. This thesis explores the future trajectory of Fintech with an emphasis on technological innovations, user adoption patterns, regulatory frameworks, and the sector’s broader socio-economic implications. This research aims to analyze the key drivers of Fintech evolution, including the adoption of Artificial Intelligence (AI), blockchain technology, embedded finance, and op

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Singh, Shubham Kumar. "The Future of FinTech: Emerging Technologies Reshaping Finance." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem49626.

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ABSTRACT The financial technology (Fintech) sector is undergoing a profound transformation, disrupting traditional banking models and reimagining how individuals and institutions access, manage, and utilize financial services. This thesis explores the future trajectory of Fintech with an emphasis on technological innovations, user adoption patterns, regulatory frameworks, and the sector’s broader socio-economic implications. This research aims to analyze the key drivers of Fintech evolution, including the adoption of Artificial Intelligence (AI), blockchain technology, embedded finance, and op

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Singh, Gaurav Kumar. "The Future of FinTech: Emerging Technologies Reshaping Finance." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50346.

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ABSTRACT The financial technology (Fintech) sector is undergoing a profound transformation, disrupting traditional banking models and reimagining how individuals and institutions access, manage, and utilize financial services. This thesis explores the future trajectory of Fintech with an emphasis on technological innovations, user adoption patterns, regulatory frameworks, and the sector’s broader socio-economic implications. This research aims to analyze the key drivers of Fintech evolution, including the adoption of Artificial Intelligence (AI), blockchain technology, embedded finance, and op

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Azimova, Nasiba. "FINANCIAL TECHNOLOGIES AND THE IMPORTANCE OF USING THEM IN BANKING SERVICES." Ilgʻor iqtisodiyot va pedagogik texnologiyalar 2, no. 2 (2025): 690–94. https://doi.org/10.60078/3060-4842-2025-vol2-iss2-pp690-694.

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Fintech refers to financial technologies used in banking and financial services, including mobile payments, money transfers, loans, and asset management. Fintech startups offer fast, innovative, and convenient services that either compete with or collaborate with traditional banks. In recent years, investments in Fintech have grown rapidly due to its wide applicability. These technologies improve service quality, enhance customer experience, and transform traditional financial systems. Fintech plays a vital role in modern banking by offering digital solutions for both individuals and businesse

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O. V, Yermoshkina, and Horiacha O. I. "Green financial technologies: behavioral aspects of development." Economic Bulletin of Dnipro University of Technology 84 (December 2023): 126–33. http://dx.doi.org/10.33271/ebdut/84.126.

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Methods. The theoretical and methodological basis of the scientific research was the results of domestic and foreign research on the creation and development of eco-projects in the context of the creation and development of financial innovations and technologies. In order to achieve the set goals, scientific provisions and conclusions in the work are based on the basic concepts of behavioral theory and institutional theory of financial market development. The main research methods were empirical methods, which allowed to investigate the development trajectories of individual Green FinTech proj

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Czarkowska, Marta, and Michał Polasik. "Success factors for the development of FinTech entities on the Polish market: a case study." e-mentor 105, no. 3 (2024): 31–40. http://dx.doi.org/10.15219/em105.1668.

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The dynamic development of services in the financial market that use digital technologies has made FinTech synonymous with modernity, and a term with growing popularity, both among banking professionals and the wider consumer community. Since 2009, the dynamic development of this new segment of non-banking startup entities within the financial sector, FinTechs, has been observed. The main objective of this study is to identify success factors for the development of FinTech entities, by conduscting research using a multiple case study method involving six selected FinTech entities operating in

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K, Navaneetha, and P. Mohan. "Technologies for Digital Disruption in Banking." South Asian Journal of Social Studies and Economics 22, no. 3 (2025): 22–34. https://doi.org/10.9734/sajsse/2025/v22i3966.

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The rapid evolution of financial technology (FinTech) has significantly disrupted the traditional banking sector, leading to a transformative shift in financial services. This study systematically reviews the role of key digital technologies—such as artificial intelligence (AI), blockchain, big data analytics, cloud computing, and Big Data and Analytics—in reshaping the Indian banking landscape. Using predetermined inclusion and exclusion criteria, pertinent research articles were found from highly ranked databases (such as Scopus, Web of Science, and IEEE Xplore) in accordance with the System

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Mulyk, T. O., and O. O. Oliinyk. "The Economic Meaning and Types of FinTech Innovations." Business Inform 12, no. 527 (2021): 72–78. http://dx.doi.org/10.32983/2222-4459-2021-12-72-78.

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The purpose of the article is to deepen the theoretical and applied principles of researching the essence of the concept of «FinTech innovations» and their classification features. According to the results of the research, scientific approaches to understanding the essence of the term FinTech are evaluated. The versatility and varied meaningful load of this term indicates various differences and peculiarities of determining this category in scientific sources. Scholars interpret FinTech as innovative technologies and business models as technology, industry sector, services, etc. Each of the pr

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H., Maurya,, and Kulkarni, P. "Fintech In Indian Capital Markets." CARDIOMETRY, no. 24 (November 30, 2022): 843–48. http://dx.doi.org/10.18137/cardiometry.2022.24.843848.

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The advent of advanced digital technologies has already caused disruptions across many industries. The financial services sector is also collaborating with Fintech to transform digitally. Post- demonetization, the Indian government created a favorable environment for Fintech. Many new financial products are brought in by new start-ups. Fintech has created a paradigm shift in availingof Financial Services. The primarily data-driven capital markets have been positively affected by Fintech. However, the technology implementation is still at a very nascent stage, and there are impediments and chal

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Krasnyuk, Maxim, Antonina Tkalenko, and Svitlana Krasniuk. "DEVELOPMENT OF THE FINTECH INDUSTRY AND FINTECH TECHNOLOGIES UNDER COVID-19." ГРААЛЬ НАУКИ, no. 4 (May 14, 2021): 68–70. http://dx.doi.org/10.36074/grail-of-science.07.05.2021.009.

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KATIYAR, KRITI. "Fintech Disruption in Traditional Banking." INTERNATIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 09, no. 06 (2025): 1–9. https://doi.org/10.55041/ijsrem50137.

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ABSTRACT The traditional banking industry has been severely affected by the rise of Financial Technology (FinTech), which has put long-standing operational frameworks and business models to the test. With an emphasis on important functional areas like digital payments, alternative lending, investment platforms, and customized financial services, this study critically analyzes the scope and character of FinTech's disruptive impact on traditional banking institutions. The study explores how FinTech companies use cutting-edge technologies like blockchain, artificial intelligence, and big data ana

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Le, Hung Ninh, and O. B. Anikin. "Issues of developing financial technologies in Vietnam in modern conditions." Vestnik Universiteta, no. 4 (June 17, 2024): 216–25. http://dx.doi.org/10.26425/1816-4277-2024-4-216-225.

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The use of digital technology in finance has led to the creation of more efficient and convenient financial services at lower costs, providing customers with a more attractive experience than traditional financial services. This trend has become dominant in recent decades, but it is a relatively new field in Vietnam. Vietnam has great potential for financial technology (hereafter referred to as fintech) development: the young population is increasingly using digital technologies in their daily lives, and the country has a relatively developed telecommunications and e-commerce infrastructure. H

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Vakili, Moghadam Mohammad Hosein. "Regulatory Requirements in Financial Technologies (FinTech)." ModernTechnologies Law 5, no. 9 (2024): 107–31. https://doi.org/10.22133/mtlj.2023.403008.1220.

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The expansion of technology and innovative methods in financial services has created opportunities and challenges that make its correct legal planning a necessary structure. The diversity of financial services and products, the speed of technological developments and the unknown processes used in the field of financial technologies are the reasons for the inactivity or slowness of legal systems. This is despite the fact that financial technologies, as a global phenomenon, by ignoring legal and financial restrictions, have taken the citizens' financial relationships beyond the traditional legal

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Boscia, Vittorio, Valeria Stefanelli, and Marco Trinchera. "Fintech & Risks. A Bibliometric Analysis." Risk Management Magazine 16, no. 2 (2021): 68–74. http://dx.doi.org/10.47473/2020rmm0091.

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Our study highlights a literature map on Fintech and the risks associated with this technological innovation in the financial sector. Considering all the studies published from 2014 to 2021 in "Scopus", we resort to econometric techniques to create our map. Our results show the recent attention of academics and researchers, mainly belonging to the technological and IT areas, towards Fintech. In particular, the studies focus on the issue of emerging technologies applied to investment and credit processes linked to the assessment of customer insolvency risk. For this reason, the existing analyze

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Nangin, Meryl Astin, Irma Rasita Gloria Barus, and Soegeng Wahyoedi. "The Effects of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption." Journal of Consumer Sciences 5, no. 2 (2020): 124–38. http://dx.doi.org/10.29244/jcs.5.2.124-138.

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The advancement of mobile devices and their usage has increased the uptake of fintech innovation. These new technologies should provide ease of use and give advantages to their customers. On the other side, mobile application security threats have increased tremendously and have become a great challenge for both users, in this case, as customers, and fintech innovators. Meanwhile, service should be promoted to the customers to establish fintech's brand to society. This research empirically examined the components affecting the expectations of users to adopt fintech. By collecting 100 samples w

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Nasriddinovna, Kudratova Feruza. "Introduction of Financial Technologies in Digital Banking." International Journal for Research in Applied Science and Engineering Technology 9, no. 11 (2021): 614–17. http://dx.doi.org/10.22214/ijraset.2021.38893.

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Abstract: Presently, the whole world is concerning about digitalization that has affected all areas of people's lives, and financial sector is no exception. Today, Financial Technology (FinTech) is recognized as one of the most important and rapidly evolving innovations in the financial industry. FinTech has promised that technology startups will reduce costs, improve financial services quality and create a more diverse and sustainable financial outlook. Fintech services are indispensable part of every single financial products and services. In this regards, it is of great importance to consid

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Fatticia, Rika, Harjoni Harjoni, Pemy Christiaan, Nasrun Julyarman, and Rini Ariyanti. "The Influence of Fintech on Traditional Financial Management." Journal Markcount Finance 2, no. 2 (2024): 194–204. https://doi.org/10.70177/jmf.v2i2.1283.

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For centuries, conventional financial institutions such as banks and cooperatives have played an important role in the economy. However, advances in technology and digitalization have significantly changed the world's financial landscape. Financial Technology (Fintech) has emerged as a disruptive force offering innovative financial solutions, such as automated investment management, peer-to-peer lending, and digital payments. This research aims to discover and analyze the impact of Fintech on conventional financial management. Specifically, this research aims to assess the impact of Fintech on

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Nurnaningsih, Rita, Adolf Z. D. Siahay, M. Dedy Eko Trisyono Safari, Ana Ima Sofana, and Burhanuddin Jauhari. "The Effectiveness of Risk Based Audit in Financial Institutions." Journal Markcount Finance 2, no. 2 (2024): 296–308. https://doi.org/10.70177/jmf.v2i2.1478.

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For centuries, conventional financial institutions such as banks and cooperatives have played an important role in the economy. However, advances in technology and digitalization have significantly changed the world's financial landscape. Financial Technology (Fintech) has emerged as a disruptive force offering innovative financial solutions, such as automated investment management, peer-to-peer lending, and digital payments. This research aims to discover and analyze the impact of Fintech on conventional financial management. Specifically, this research aims to assess the impact of Fintech on

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Bharathi S., Vijayakumar, Arif Perdana, and Mugdha Shailendra Kulkarni. "Exploring the Synergy Between Financial Technologies and Financial Inclusion: What We Know and Where We Should Be Heading?" Pacific Asia Journal of the Association for Information Systems 15 (March 2023): 87–126. http://dx.doi.org/10.17705/1pais.15104.

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Background: Innovative financial technologies (fintech) are gradually changing how financial transactions and processes are conducted. The adoption of fintech not only benefits the financial sector but can also have a broader impact on society. Due to their ability to provide customized services to a wide range of stakeholders, fintech is gaining traction and experiencing significant growth. Compared to traditional financial institutions, fintech companies can reach a wider audience and operate more efficiently. In addition to upending traditional financial services, fintech can also provide f

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Olajide Soji Osundare, Chidiebere Somadina Ike, Ololade Gilbert Fakeyede, and Adebimpe Bolatito Ige. "Fintech network evolution: The strategic migration to advanced networking technologies." Engineering Science & Technology Journal 3, no. 2 (2022): 92–112. http://dx.doi.org/10.51594/estj.v3i2.1520.

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The rapid evolution of fintech has necessitated a parallel advancement in network architecture to meet the growing demands for speed, security, and scalability. This review explores the strategic migration of fintech companies to advanced networking technologies, such as Software-Defined Networking (SDN), cloud computing, and 5G. These technologies are transforming the way fintech companies operate by providing enhanced flexibility, improved security measures, and the ability to handle vast amounts of data in real-time. The transition to advanced networking technologies is not merely a technic

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Reddy, Mohit S. "Exploring the Transformative Impact of Fintech on Banking, Finance and Insurance Industries." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem31044.

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This comprehensive research study explores the transformative impact of financial technology (fintech) on the banking, finance and insurance sectors. The study develops a conceptual framework that examines the various dimensions of fintech's influence, including technological advancements, digital financial services, emerging AI technologies, automation trends, financial inclusion, and the regulatory environment. Through a rigorous analysis of both secondary and primary data, the research provides valuable insights into user adoption and behaviour patterns towards fintech services, as well as

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Anielak, Karolina. "Fintech as a Source of Financial Innovations on the Polish Financial Services Market." Zeszyty Naukowe SGGW w Warszawie - Problemy Rolnictwa Światowego 19(34), no. 1 (2019): 162–71. http://dx.doi.org/10.22630/prs.2019.19.1.15.

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The paper presents the definition of innovation, advancement and development of the Fintech sector on the global scale, with particular emphasis put on Poland. Fintechs, i.e. IT companies that provide increasingly more modern solutions for customers active on the financial markets are not fully described in the literature on the subject. The aim of the paper was to present a comprehensive definition of Fintech, show the scale of this type of ventures around the world and in Poland, and analyze the forms and potential of the cooperation of Fintech companies with financial services entities, in

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