Smart Technology Adoption in E-Finance Services

Girija Narasimhan () and Reshmy Krishnan ()
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Girija Narasimhan: University of Technology and Applied Science
Reshmy Krishnan: Muscat College

A chapter in Trends and Challenges of Electronic Finance, 2025, pp 39-54 from Springer

Abstract: Abstract This study focuses on applications of Artificial Intelligence-enabled technology in the finance sector. Realistically saying that the essential fuel for an active life needs finance. In the previous century, the public mindset represents banks as the best money persevering place. The introduction discusses how the banking lending services changed gradually public started being involved in banking services. Information technology growth, economic globalization, expatriates’ project visits, and startup companies push finance into another dimension. The dimension name is FinTech—it aids quick money transactions, namely E-pay, PhonePe, and digital money. Upcoming technology adoption gives convenience rapidly in E-finance are discussed in the second part of the paper. The third part briefs on cryptocurrency recognition status and smart technology usage in banking services. The fourth topic discusses Robo-advisors, big data analysis, and statistical models like regression techniques and artificial neural networks (ANN), the most proper choice for predicting high return investment options. In the Industrial Revolution 4.0 (I.R. 4.0) era, IoT and blockchain technology adoption confirms E-finance trustworthiness discussed in the fifth and sixth portions. The conclusion section discusses machine-learning algorithms’ performance in E-finance and robotic process automation chatbots and virtual assistants.

Keywords: FinTech; Robo-Advisor; Machine Learning (ML); Artificial Intelligence (AI); Internet of Things (IoT); Cryptocurrency (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:spr:sprchp:978-981-96-3304-3_3

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DOI: 10.1007/978-981-96-3304-3_3

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