FinTech

2021 - 2026

Current editor(s): Ms. Lizzy Zhou

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Volume 5, issue 3, 2026

Evidence on Settlement-Window Price Divergence in Bitcoin Prediction Markets pp. 1-24

Sibin Joshi and Zhaoxian Zhou

FinTech Regulation and the Greek Public Sector pp. 1-24

Nikolaos Papanikolaou and Paraskevi Boufounou

Pool-Operator Concentration After the 2021 China Mining Ban: Full Block-Attribution Evidence from the Bitcoin Mining-Pool Layer, 2020–2022 pp. 1-28

Craig Steven Wright

Exploratory Machine Learning Predictors of Financial Performance: Evidence from Listed Egyptian Fintech Ventures pp. 1-28

Doaa Mohamed Salman, Sherif El-Halaby, Andriy Stavytskyy, Ganna Kharlamova and Amal Gamil

A Fractional-Rough Liquidity Model for Bitcoin Options: Implied-Volatility Asymptotics and Market Evidence pp. 1-31

Edson Pindza and Hopolang Phillip Mashele

Tokenized but Illiquid? Evidence from Real-World Asset Markets pp. 1-16

Rischan Mafrur

Bitcoin Event Windows and Ecosystem Indicators, 2012–2024: Market, Trust, Protocol, and Institutional Milestones pp. 1-16

Miriam Garbárová, Juraj Fabuš, Iveta Kremeňová and Margita Majerčáková

An Organizational Decision-Support System for Cybersecurity Risk Management: Classifying Breach Types Using XGBoost and Real-World Incident Data pp. 1-16

Muhammed Samancı, Emrah Noyan and Nuri Avşarlıgil

Stablecoin and Bitcoin as Macro-Financial Instruments: Evidence from the Brazilian Digital Asset Market pp. 1-20

Rubens Moura de Carvalho and Cledilson Viana

The Convergence of Artificial Intelligence and Blockchain in Financial Systems: Opportunities, Challenges, and Future Directions pp. 1-20

Pooja Lekhi and Kamal Nain Sharma

Formal Harmonization, Persistent Accounting Uncertainty: Practitioner Evidence on Crypto-Asset Valuation After MiCA in Slovakia pp. 1-21

Miroslav Škoda and Viera Guzoňová

Dynamic Connectedness Among FinTech, Green Assets, and Global Uncertainty pp. 1-21

Muneer Shaik and Mohd Ziaur Rehman

The Relationship Between Stablecoin and Cryptocurrency Returns During Periods of Market Stress pp. 1-15

Claudio Boido and Lewin Jones

Modeling Behavioral and Cognitive Drivers of FinTech Adoption: Trust, Emotion and Digital Decision-Making pp. 1-5

Stefanos Balaskas, Yannis Stamatiou and George S. Androulakis

Explainable Artificial Intelligence in Financial Fraud Detection: A Systematic Review and FinTech-Oriented ADO–TCCM Meta-Framework for Trust, Governance, and Transparency pp. 1-48

Devansh Gupta, Priyanka Chugh, Kiran Sood and Simon Grima

Unveiling Bitcoin’s Financialization via Multivariate Wavelet Analysis pp. 1-29

Javier-Basilio Muñoz-Carballo, Antonio-Javier Prado-Dominguez, Manuel Rodriguez-Lopez and Manuel Escourido-Calvo

Digital Scalability and Physical Infrastructure: What Is Associated with Carbon Emissions Within Listed Fintech Firms? pp. 1-23

Sergio Rios-Vazquez and Marta Portela-Maseda

Network-Aware FinTech Intelligence for ESG Risk Forecasting: A Graph Neural Network and Transformer-Based NLP Approach pp. 1-25

Michael A. Aruwaji and Ferina Marimuthu

Who Adopts Generative AI? Financial Digital Engagement, the Age Divide and Trust as a Barrier: Evidence from Spanish Household Microdata pp. 1-11

José-Miguel Giner-Pérez

A Multi-Stage Framework for Examining the Internal Activity and Refinement of the Cybersecurity Risk Mitigation System in Financial-Banking Environments pp. 1-26

Laurențiu-Constrantin Stama, Roxana-Mariana Nechita, Dana-Corina Deselnicu, Cătălin-George Alexe and Cătălina-Monica Alexe

Financial Digital Twins and Conversational AI in Robo-Advisory: Evidence from a Scenario-Based Randomized Experiment pp. 1-27

Marco I. Bonelli

Responsible Large Language Models in Finance: A Descriptive Bibliometric Overview and Taxonomy of Responsibility pp. 1-27

Chong Hui Tan and Qinxu Ding

Model Monoculture Risk: Systemic AI Convergence in Banking and Financial Markets pp. 1-27

Victor Frimpong

Forecast-Integrated Trading Algorithms with Adaptive Risk Management: Multi-Asset Empirical Evaluation pp. 1-40

László Vancsura, Tibor Tatay and Tibor Bareith

The Explainability–Reliability Gap in Fraud Detection: Evidence from SHAP and Permutation Importance Under Distribution Shift pp. 1-35

Istiaque Bhuiyan, Rahma Mirza, Ariful Hoque and Tanvir Bhuiyan

Transaction Costs and Speed in the Ethereum Ecosystem: Scalability of the Mainnet and Layer 2s pp. 1-35

Meghan Ambrosia and Bruce Mizrach

Beyond Generic Phishing Detection: Explainable AI for Finance-Adapted Models in Banking and Fintech pp. 1-33

Istiaque Bhuiyan and Tanvir Bhuiyan

When AI Agents Pay: A Rollback Governance Framework for Fraud and Execution Failure in Agentic Stablecoin Payments pp. 1-33

Kamal Al-Sabahi and Yousuf Khamis Al Mabsali

Predictive Analytics Approaches to Modeling Bitcoin Prices During Periods of Financial Uncertainty pp. 1-18

Ahmad F. Vakil, Manuel Russon and Victor Lu

Perceptions of Online Financial Services: An Assessment of Usefulness, Ease of Use, Risk, and Trust pp. 1-18

Amélia Carvalho, Ana Isabel Borges, Ângela Morais and Jaime Fernandes Teixeira

Volume 5, issue 2, 2026

The Impact of Blockchain Technology Adoption in Enhancing Transparency and Accounting Disclosure Levels in Digital Financial Reports: Evidence from Jordanian Banks pp. 1-16

Mohammad Motasem Alrfai, Mahmoud Khaled Al-Kofahi, Ali Hasan Alkharabsheh and Ibrahim Radwan Alnsour

Accountability and Liability in AI-Related Financial Regulatory Sandboxes: A Comparative Legal Analysis pp. 1-16

János Kálmán

Transparency by Design: A Narrative Synthesis of AI Disclosure, Explainability, and Trust in Consumer-Facing FinTech pp. 1-30

Stefanos Balaskas

Examining the Impact of FinTech and Artificial Intelligence on Financial Performance: The Moderating Role of Dynamic Capabilities pp. 1-30

Shahram Atashi Asemanjerdi, Mostafa Khosraviniya, Pablo de Frutos Madrazo, Zahra Moradi and Pedro Antonio Martin-Cervantes

Security Challenges in Open Banking: A Systematic Review and Conceptualisation of a Tri-Dimensional Security Framework pp. 1-28

Cristiano Wilson and Carlos Tam

Crypto Voucher Laundering: Mapping a Shadow Payment Architecture Outside the Current AML Framework pp. 1-19

Raghav Wahal, Raj K. Jaiswal, Ritika Jaiswal and Yamya Reiki

Duration Rotation in U.S. Treasury Fixed-Income ETFs: Evidence for a “Median” Strategy pp. 1-34

Aishwarya Malhotra, Saiteja Puppala and Eugene Pinsky

Trust, Privacy, and Adoption: A Global Policy Framework for Central Bank Digital Currencies pp. 1-34

Alam Ahmad

Trust, Security, and Nonlinear Retention Dynamics in FinTech Neobanking: An Explainable Machine Learning (XAI) Approach pp. 1-42

Istiaque Bhuiyan, Haseeb Ahmed, Ariful Hoque and Tanvir Bhuiyan

Financial Technology and Strategic AI Integration in FinTech: Transforming Banking, Payments, and Building a Sustainable Economy—Challenges and Opportunities pp. 1-5

Otilia Manta, Valentina Vasile and Shigeyuki Hamori

Cryptocurrency Adoption in Central and Eastern Europe: Psychological Decision-Making Mechanisms, Motives, and Barriers from a Qualitative Perspective pp. 1-20

Kiryl Minkin and Dariusz Drążkowski

The CMA Agentic Platform: Autonomous Asset Verification and Algorithmic Auditor Governance pp. 1-47

Abdulkarim Hamdan J. Alhazmi, Sardar M. N. Islam and Maria Prokofieva

Institutional Trust, Risk-Taking, and FinTech Adoption: Evidence from an Emerging Economy pp. 1-21

Zsuzsanna Deák and Ádám Béla Horváth

Cryptocurrency Market Maturation and Evolving Risk Profiles: A Comparative Analysis of Bitcoin and Ethereum Tail Risk Dynamics pp. 1-29

Oksana Liashenko, Bogdan Adamyk and Oksana Adamyk

Beyond FinTech Adoption: How AI-Enabled Financial Process Digitalization Shapes Entrepreneurship pp. 1-29

Konstantinos S. Skandalis and Dimitra Skandali

AI Agents in Financial Markets: Architecture, Applications, and Systemic Implications pp. 1-29

Hui Gong

Network Effects and Boom–Bust Dynamics in NFT Prices pp. 1-29

Ding Ding, Yang Li, Poh Ling Neo, Zhiyuan Wang and Chongwu Xia

Mergers and Acquisitions: Analyzing Global FinTech and RegTech Trends over the Period 2008–2025 pp. 1-32

Panagiotis Seitanidis, Eleftherios Aggelopoulos and Dimitrios Grypeos

Cognitive Bias and Trust in Digital Accounting Decisions pp. 1-23

Ioannis Ch. Lampropoulos, Eleftherios Aggelopoulos, Elen Paraskevi Paraschi, Nikolaos Georgopoulos and Maria Kalogera

Generative AI as an Investment Advisor: Same Client, Different Advice pp. 1-23

Nicolo Agliata and Tim Hasso

Triangulated Analytical Framework for a Sustainable FinTech Model: The Case of Latvia pp. 1-25

Zakia Siddiqui and Claudio Andres Rivera

Reputation Spillovers and Trust Dynamics of Cryptocurrencies in Wartime Ukraine: Evidence from Ukrainian SME Entrepreneurs pp. 1-25

Kostiantyn Pysanets, Olena Naumova, Mariia Naumova, Ganna Kharlamova and Silviu Nate

Success Outcomes of Equity Crowdfunding Campaigns: The Role of Lead Founders’ Human Capital Signals pp. 1-25

Ines Gafrej, Houssam Bouzgarrou and Jihene Tizaoui

FinTech-Enabled Startup Portfolio Optimization Under Uncertainty: A Multi-Objective CVaR–ESG Framework pp. 1-22

Zornitsa Yordanova and Hamed Nozari

Artificial Intelligence and Financial Market Connectedness: Evidence from AI-Related Equities, Cryptocurrencies, and Global Assets pp. 1-14

Shigeyuki Hamori

Determinants of Greek Banking Customers’ Intention to Use AI-Based Green Fintech Solutions pp. 1-27

Paraskevi Gatzioufa, Vaggelis Saprikis, Georgios Avlogiaris, Ioannis Antoniadis and Konstantinos Panitsidis

Women’s Reforms, Digital Payments, and Financial Inclusion in Saudi Arabia: Evidence from Global Findex 2014–2024 pp. 1-26

Tifani Siregar, Adnan Ameen Bakather and Emilios Galariotis

Blockchain-Secured Digital Twin Framework for Fuzzy Multi-Objective Optimization in Supply Chain Finance pp. 1-26

Hamed Nozari and Zornitsa Yordanova

Digital Financial Innovation and Sustainable Development: Cross-Countries Analysis and ESG Risks Management pp. 1-26

Jekaterina Kuzmina, Inese Mavļutova, Atis Verdenhofs, Andris Fomins and Andris Nātriņš

Central Bank Digital Currencies and Cross-Border Digital Payments: A Systematic Review in a Fragmented Global Financial Environment pp. 1-26

Abdelhalem Mahmoud Shahen and Mesbah Sharaf

Volume 5, issue 1, 2026

Innovative Credit Scoring and Sales Accounting Solutions for SMEs in Kazakhstan pp. 1-18

Gulnaz Zakariya, Olzhas Akylbekov, Aiman Moldagulova and Ryskhan Satybaldiyeva

Trust as Predictor and Mechanism in Green FinTech Adoption: A Systematic Review and Meta-Analysis pp. 1-35

Stefanos Balaskas

Codify, Condition, Capacitate: Expert Perspectives on Institution-First Blockchain–BIM Governance for PPP Transparency in Nigeria pp. 1-33

Akila Pramodh Rathnasinghe, Ashen Dilruksha Rahubadda, Kenneth Arinze Ede and Barry Gledson

Comparative Analysis of Stablecoin Architectural Features in Fragmented Regulatory Environments pp. 1-22

Andrey Vlasov, Andrey Egorov and Alexander M. Karminsky

FinTech for Inclusive Growth: A Gender Perspective pp. 1-22

Hela Mzoughi, Arafet Farroukh and Martina Metzger

From Connectivity to Continuity: The Power of Cashless Mobile Access and Experience in Micro and Small Businesses in Fragile Contexts pp. 1-22

Ali Saleh Alshebami

How Effective Is Mamba-Augmented Transformer for Stock Market Price Forecasting? pp. 1-26

Md. Shahria Sarker Shuvo, Awsaf Tausif Adib, Md. Estehaar Ahmed Emon, Ahasanur Rafi and Rashedur M. Rahman

Hybrid Machine Learning–Econometric Framework for Financial Distress Scoring: Evidence from German Manufacturing Firms pp. 1-26

Karim Farag, Loubna Ali and Mohamed A. Hamada

CBDCs and Liquidity Risks: Evidence from the SandDollar’s Impact on Deposits and Loans in the Bahamas pp. 1-25

Francisco Elieser Giraldo-Gordillo and Ricardo Bustillo-Mesanza

A Blockchain Architecture for Hourly Electricity Rights and Yield Derivatives pp. 1-15

Volodymyr Evdokimov, Anton Kudin, Vakhtanh Chikhladze and Volodymyr Artemchuk

Tokenized Gold in Crypto Markets: Tracking Accuracy and Portfolio Performance pp. 1-13

Muhammad Ashfaq, Maximilian Pfeifer, Tan Gürpinar and Mehmet Akif Gulum

Detecting Cyber Fraud in Banking Transactions via Machine Learning Techniques: Implications for Financial Stability pp. 1-13

Lamprini Konsta, Dimitrios Dimitriou, Anastasios Papathanasiou and Vasiliki Liagkou

Fintech Innovations and the Transformation of Rural Financial Ecosystems in India pp. 1-19

Mohd Umar Farukh, Mohammad Taqi, Koteswara Rao Vemavarapu, Sayed M. Fadel and Nawab Ali Khan

When Will the Next Shock Happen? A Dynamic Framework for Event Probability Estimation pp. 1-19

Konstantinos Pantelidis, Ioannis Karakostas and Odysseas Pavlatos

Corporate Governance and Bank Risk Before and After the Global Financial Crisis: Evidence from India pp. 1-19

Gaurango Banerjee and Shekar Shetty

Capturing Short- and Long-Term Temporal Dependencies Using Bahdanau-Enhanced Fused Attention Model for Financial Data—An Explainable AI Approach pp. 1-38

Rasmi Ranjan Khansama, Rojalina Priyadarshini, Surendra Kumar Nanda and Rabindra Kumar Barik

Study on the Validity of Volatility Trading pp. 1-50

Alberto Castillo and Jose Manuel Mira Mcwilliams

Unraveling User Switching Dynamics in P2P Mobile Payments: Investigating Satisfaction and Trust in a Duopoly Market pp. 1-21

Claudel Mombeuil and Sadrac Jean Pierre

Mood in the Market: Forecasting IPO Activity with Music Sentiment and LSTM pp. 1-20

Qinxu Ding, Chong Guan and Yinghui Yu

Robo-Advisor Adoption and Influences of Innovation Attributes, Trust, and Image pp. 1-17

Norshidah Mohamed

Adaptive Credit Card Fraud Detection: Reinforcement Learning Agents vs. Anomaly Detection Techniques pp. 1-17

Houda Ben Mekhlouf, Abdellatif Moussaid and Fadoua Ghanimi

Global Roadmaps for Post-Quantum Era in Finance: Policies, Timelines, and a Pragmatic Playbook for Migration pp. 1-31

Colin Kuka, Sanar Muhyaddin, Phoey Lee Teh and Leanne Davies

Fintech Adoption and Bank Risk, Efficiency and Stability: Evidence from Panel Data of Selected Asian Economies pp. 1-24

Helal Uddin and Munim Kumar Barai

From Threat to Opportunity: Digital Infrastructure and Bank Adaptation to Cryptocurrency Cycles—Global Evidence pp. 1-24

Wil Martens

Strategic Foresight for FinTech Governance: A Scenario-Based MCDA Approach for Kuwait pp. 1-24

Salah Kayed, Zaid Alhawwatma, Amer Morshed and Laith T. Khrais

Blockchain Adoption in Local Governments: The Case of Lugano pp. 1-28

Lorenzo Barisone, Edoardo Beretta, Robert Bregy, Vincenzo Carbone, Roberto Gorini and Giacomo Zucco