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This paper explores the transformative role of artificial intelligence (AI) within the Financial Technology (Fintech) sector. It delves into how AI is reshaping traditional financial services by enhancing operational efficiency, reducing costs, and improving customer experiences. The study employs a systematic literature review, using the TCCM (Theory, Context, Characteristics, Methodology) framework to categorize and analyze key theories and trends in AI-driven Fintech solutions. Findings indicate that AI’s integration within Fintech not only drives innovation but also presents new challenges, such as ethical considerations and the need for robust regulatory frameworks. This research provides valuable insights for academics, industry professionals, and policymakers navigating the rapidly evolving financial landscape.

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Artificial Intelligence in Financial Technology: Challenges, Opportunities, and Global Trends

  • 章节

  • 发表日期：

    2025年

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  • Sonam Rani,
  • Gaurav Gupta,
  • Sailaja Bohara,
  • Amitabh Bhargava

摘要

This paper explores the transformative role of artificial intelligence (AI) within the Financial Technology (Fintech) sector. It delves into how AI is reshaping traditional financial services by enhancing operational efficiency, reducing costs, and improving customer experiences. The study employs a systematic literature review, using the TCCM (Theory, Context, Characteristics, Methodology) framework to categorize and analyze key theories and trends in AI-driven Fintech solutions. Findings indicate that AI’s integration within Fintech not only drives innovation but also presents new challenges, such as ethical considerations and the need for robust regulatory frameworks. This research provides valuable insights for academics, industry professionals, and policymakers navigating the rapidly evolving financial landscape.