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This paper discusses the transformative impact of emerging digital technologies on the digital transformation of the financial industry, focusing on integrating Generative AI (GenAI), humanoid robots, and the Metaverse within the framework of Industry 5.0. Industry 5.0 emphasizes a human-centric approach to technology, where human-AI collaboration plays a central role in reshaping financial services. By reviewing both academic research and practical applications, the paper highlights the current advancements in FinTech, particularly in AI technologies and the Metaverse, and their future potential, demonstrating how these innovations are driving growth, efficiency, and resilience in the financial sector. Further, the paper proposes a three-phase research framework aimed at addressing the technological, legal, and ethical challenges associated with digital transformation. This framework focuses on key issues such as stability, security, data privacy, and equitable access to digital financial services. Ultimately, the paper argues that the integration of advanced digital technologies with human expertise and sustainable practices has the potential to revolutionize the global financial ecosystem, fostering a more adaptive, secure, and equitable industry in the future.

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FinTech Digital Transformation: Generative AI, Humanoid Robots, Metaverse, Human-AI Collaboration, and Industry 5.0

  • 会议论文

  • 发表日期：

    2025年

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  • Yuxin Liu,
  • Runyu Wang,
  • Keng Siau

摘要

This paper discusses the transformative impact of emerging digital technologies on the digital transformation of the financial industry, focusing on integrating Generative AI (GenAI), humanoid robots, and the Metaverse within the framework of Industry 5.0. Industry 5.0 emphasizes a human-centric approach to technology, where human-AI collaboration plays a central role in reshaping financial services. By reviewing both academic research and practical applications, the paper highlights the current advancements in FinTech, particularly in AI technologies and the Metaverse, and their future potential, demonstrating how these innovations are driving growth, efficiency, and resilience in the financial sector. Further, the paper proposes a three-phase research framework aimed at addressing the technological, legal, and ethical challenges associated with digital transformation. This framework focuses on key issues such as stability, security, data privacy, and equitable access to digital financial services. Ultimately, the paper argues that the integration of advanced digital technologies with human expertise and sustainable practices has the potential to revolutionize the global financial ecosystem, fostering a more adaptive, secure, and equitable industry in the future.