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Ethics and Regulation in FinTech and AI-Driven Finance: Shaping the Future of Policy
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Author(s): Rajimol K. P. (Department of MBA, Atria Institute of Technology, Bangalore, India), Yashswini Varde (Department of Management, International Institute of Management Studies, Pune, India), G. V. Mruthyunjaya Sharma (Department of MBA, RNS Institute of Technology, Bengaluru, India), R. Harsha (Department of MBA, RNS Institute of Technology, Bengaluru, India), P. Karthikeyan (Department of Management Studies, Kongu Engineering College, India)and M. Suresh (KPR IT, Kovai, India)
Copyright: 2026
Pages: 24
Source title:
Intersecting AI, Neurofinance, and Behavioral Finance for Decision Making
Source Author(s)/Editor(s): Aslı Kaya (İstanbul Gelişim University, Turkey)
DOI: 10.4018/979-8-3373-1494-5.ch011
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Abstract
The landscape of financial services is on a changing trajectory with all the promises of enhanced efficiency, reach, and innovation by FinTech evolution and AI-driven financial systems. There is a flip side to this: it raises serious ethical dilemmas and regulatory challenges. This chapter looks into the dynamic and ever-evolving space at the border of ethics, AI, and fintech: the current issues including algorithmic bias, data privacy, transparency and accountability, and systemic risk. The chapter analyses in a critical manner the application-level governmental regulatory regimes across major jurisdictions to ascertain whether contemporary modes of governance can again contend with the identified issues. It puts forward a more forward-looking view of human-centric policymaking in AI-driven finance, with emphasis on regulatory sandboxing, guiding digital ethics principles, and cross-border coordination for responsible innovation.
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