JIMS 8M The Journal of Indian Management and Strategy
Web of Science
  • Year: 2025
  • Volume: 30
  • Issue: 1

Fintech Alchemy: Transforming Finance, Unraveling Endurance, and Charting Future Horizons

1Loyola Institute of Business Administration, Chennai, Tamil Nadu, India

2Loyola Institute of Business Administration, Chennai, Tamil Nadu, India

Online Published on 28 April, 2025.

Abstract

This study delves into the rapidly changing fintech industry, to improve user experience and the financial system. The report examines consumer fintech adoption rates worldwide, focusing on industries, geographical preferences, and service popularity. The evolution of fintech investments, market capitalization trends, and the influence of blockchain on financial services are examined. The development of Robo-Advisors and Neo-Brokers represents a trend towards digital investing solutions. The thorough research offers stakeholders significant insights, including recommendations for localized strategy, cooperation, regulatory frameworks, and adaption to evolving technology developments, putting fintech at the forefront of transformational growth.

The study employs two key methodologies: Quantitative analysis with 400 Google Form respondents sheds light on fintech adoption drivers, identifying potential areas for expansion across enterprises and communities. Comparative analysis examines fintech adoption in different nations, reaching conclusions about regulatory measures and recommending optimal practices for maximal acceptance.

It investigates the overall impact of fintech on financial services, taking into consideration its dimensions, regulatory frameworks, and hazards. It seeks to gure out the elements that drive adoption, and the differences across areas, and to provide solutions for development, efficiency, and cost-cutting, offering valuable insights into the fintech landscape as it unfolds within the financial industry.

Keywords

Fintech, Digital banking, Asset management, Blockchain, Robo-advisors, Neo-banking, Investment, Data sharing