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Trust Challenges in AI-Driven Fintech: Navigating the Ethical Frontier

Trust Challenges in AI-Driven Fintech: Navigating the Ethical Frontier
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Author(s): Payal Sharma (Acropolis Faculty of Management and Research, India), Syed Sajid Hussain (Chandigarh University, India)and Manjit Kour (Chandigarh University, India)
Copyright: 2026
Pages: 26
Source title: Law and Regulation of AI, Blockchain, and Digital Rights
Source Author(s)/Editor(s): Ionica Oncioiu (Titu Maiorescu University, Constanta, Romania)
DOI: 10.4018/979-8-3373-3186-7.ch006

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Abstract

This study explores the ethical, security, and privacy challenges faced by financial technology (Fintech) organizations. It highlights the critical role of ethics in leveraging artificial intelligence (AI) technologies to foster customer trust and loyalty. A systematic review of available literature was employed to analyze empirical data addressing Fintech challenges for customer privacy and ethical concerns. The study examines the factors influencing customer trust, such as real-time interaction, risk perception, and transparency. The outcomes highlight the need for consumer data protection and protection of the law, as well as trust through public disclosure. The study suggests implementations for managers about how to deploy the specialization between AI and analytical technologies in delivering personalized services, streamlining and saving the firm resources, and reducing service delivery costs.

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