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Artificial Intelligence and Blockchain and the Growth of Fintech Industry
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Author(s): Neetal Vyas (School of Business, Indira University, Pune, India), Avinash Hanmant Ghadage (Global Business School and Research Centre, D.Y. Patil Vidyapeeth's, India), Pradip Sanatkumar Padhye (Symbiosis School of Banking and Finance, Symbiosis International University, Pune, India), P. Selvakumar (Department of Science and Humanities, Nehru Institute of Technology, Coimbatore, India), T. C. Manjunath (Rajarajeswari College of Engineering, India)and S. Madhu (Jyothy Institute of Commerce and Management, India)
Copyright: 2026
Pages: 26
Source title:
Integrating Digital Public Infrastructure in Emerging Economies
Source Author(s)/Editor(s): Sherif Mohamed A. Ismail (American University in Cairo, Egypt), Lyudmyla Symochko (University of Coimbra, Portugal), Mohammad Israr (Maryam Abacha American University, Nigeria)and Ajay B. Gadicha (College of Engineering and Management Amravati, India)
DOI: 10.4018/979-8-3373-6380-6.ch005
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Abstract
Financial Technology, commonly known past decade, the FinTech landscape evolved rapidly, with startups and established institutions leveraging innovative solutions to address longstanding inefficiencies in banking, payments, insurance, investments, lending, and wealth management. Among the most groundbreaking technologies reshaping the FinTech industry are Artificial Intelligence (AI) and Blockchain, which have emerged as pivotal drivers of innovation and change. Assess creditworthiness more accurately and inclusively. This not only improves the precision of credit evaluations but also opens access to credit for underbanked and marginalized communities. AI is also extensively used in fraud detection and cybersecurity. Machine learning significantly enhancing user experience while reducing operational costs. Another significant application of AI lies in algorithmic trading and robo-advisory services. High-frequency trading platforms use AI These innovations democratize investment opportunities and offer affordable asset management options to retail investors.
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