Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments

Otilia Manta (), Valentina Vasile and Elena Rusu
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Otilia Manta: Romanian Academy, Centre for Financial and Monetary Research “Victor Slăvescu”, 050711 Bucharest, Romania
Valentina Vasile: Romanian Academy, Institute of National Economy, 050711 Bucharest, Romania
Elena Rusu: Department of Finance and Banking, Faculty of Economic Sciences, Moldova State University, MD-2009 Chisinau, Moldova

FinTech, 2025, vol. 4, issue 2, 1-28

Abstract: 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.

Keywords: sustainable finance; financial innovation; digital technologies; blockchain; fintech; crisis management; green economy; sustainability (search for similar items in EconPapers)
JEL-codes: C6 F3 G O3 (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:gam:jfinte:v:4:y:2025:i:2:p:13-:d:1626001

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