Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments
In the context of rapid advancements in financial technologies and the evolving demand of the digital economy, this study explores the transformative impact of FinTech and artificial intelligence (AI) on the banking sector, with a particular focus on payment systems. By examining innovative financia...
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| Format: | Article |
| Language: | English |
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MDPI AG
2025-04-01
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| Series: | FinTech |
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| Online Access: | https://www.mdpi.com/2674-1032/4/2/13 |
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| _version_ | 1849472085667086336 |
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| author | Otilia Manta Valentina Vasile Elena Rusu |
| author_facet | Otilia Manta Valentina Vasile Elena Rusu |
| author_sort | Otilia Manta |
| collection | DOAJ |
| description | In the context of rapid advancements in financial technologies and the evolving demand of the digital economy, this study explores the transformative impact of FinTech and artificial intelligence (AI) on the banking sector, with a particular focus on payment systems. By examining innovative financial instruments and AI-driven solutions, this research investigates how these technologies enhance efficiency, security, and customer experience in banking operations. This study evaluates the integration of AI in payment systems, including its role in predictive analytics, fraud detection, and personalization, while aligning with global trends in digital transformation and sustainability. Adopting an interdisciplinary approach, this analysis highlights scalable and resilient strategies that address emerging challenges in the financial ecosystem. The findings provide a comprehensive framework for leveraging AI and FinTech to drive the evolution of banking services, supporting the transition toward a more innovative, digitalized, and sustainable financial future. |
| format | Article |
| id | doaj-art-ecbe0b299e46401bb5332446a486068c |
| institution | Kabale University |
| issn | 2674-1032 |
| language | English |
| publishDate | 2025-04-01 |
| publisher | MDPI AG |
| record_format | Article |
| series | FinTech |
| spelling | doaj-art-ecbe0b299e46401bb5332446a486068c2025-08-20T03:24:37ZengMDPI AGFinTech2674-10322025-04-01421310.3390/fintech4020013Banking Transformation Through FinTech and the Integration of Artificial Intelligence in PaymentsOtilia Manta0Valentina Vasile1Elena Rusu2Romanian Academy, Centre for Financial and Monetary Research “Victor Slăvescu”, 050711 Bucharest, RomaniaRomanian Academy, Institute of National Economy, 050711 Bucharest, RomaniaDepartment of Finance and Banking, Faculty of Economic Sciences, Moldova State University, MD-2009 Chisinau, MoldovaIn the context of rapid advancements in financial technologies and the evolving demand of the digital economy, this study explores the transformative impact of FinTech and artificial intelligence (AI) on the banking sector, with a particular focus on payment systems. By examining innovative financial instruments and AI-driven solutions, this research investigates how these technologies enhance efficiency, security, and customer experience in banking operations. This study evaluates the integration of AI in payment systems, including its role in predictive analytics, fraud detection, and personalization, while aligning with global trends in digital transformation and sustainability. Adopting an interdisciplinary approach, this analysis highlights scalable and resilient strategies that address emerging challenges in the financial ecosystem. The findings provide a comprehensive framework for leveraging AI and FinTech to drive the evolution of banking services, supporting the transition toward a more innovative, digitalized, and sustainable financial future.https://www.mdpi.com/2674-1032/4/2/13sustainable financefinancial innovationdigital technologiesblockchainfintechcrisis management |
| spellingShingle | Otilia Manta Valentina Vasile Elena Rusu Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments FinTech sustainable finance financial innovation digital technologies blockchain fintech crisis management |
| title | Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments |
| title_full | Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments |
| title_fullStr | Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments |
| title_full_unstemmed | Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments |
| title_short | Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments |
| title_sort | banking transformation through fintech and the integration of artificial intelligence in payments |
| topic | sustainable finance financial innovation digital technologies blockchain fintech crisis management |
| url | https://www.mdpi.com/2674-1032/4/2/13 |
| work_keys_str_mv | AT otiliamanta bankingtransformationthroughfintechandtheintegrationofartificialintelligenceinpayments AT valentinavasile bankingtransformationthroughfintechandtheintegrationofartificialintelligenceinpayments AT elenarusu bankingtransformationthroughfintechandtheintegrationofartificialintelligenceinpayments |