FinTech Mergers and Acquisitions in India: Rethinking Competition and Regulatory Oversight in the Age of AI
Amazon executed a $200M acquisition of BNPL lender Axio in early 2025 to expand into Indian digital lending.
AI in finance Reports & Market Data (2026)
Key number
15-20% %
Valuation premium from unsubstantiated AI claims. OpenAlex (recherche mondiale) p.1
51 documents
From Digital Transactions to Formal Credit: A Review of FinTech-Enabled MSME Financing in India
The study gathers primary data using a structured questionnaire administered to a sample size of 100 respondents from MSMEs.
AI Washing as the New Corporate Misrepresentation
A textual analysis of more than 5,000 U.S. SEC filings from 2020 to 2025 indicates that AI washing may satisfy Rule 10b-5 materiality and scienter requirements when corporate representations diverge from operational reality.
Artificial Intelligence in Fintech and the Black Box Dilemma: Regulatory Perspectives in Azerbaijani Law
Artificial intelligence adoption in fintech enhances operational speed in credit scoring, insurance risk assessment, and fraud detection, but creates algorithmic opacity known as the black box dilemma.
Ways to Implement Innovative Technologies in the Development of Digital Banking Services
As of January 1, 2025, the total number of users of remote banking service systems in Uzbekistan reached 52,917,166, comprising 51,455,447 individuals and 1,461,719 legal entities and individual entrepreneurs.
Limited Capital? Explaining Transatlantic Divergences in Artificial Intelligence Startup Financing
In the Post-period, AI accounts for around 60% of VC investment volume in the US, compared to roughly 31% in Europe.
Artificial Intelligence in the Financial Sector of the Global Economy: Implementation Directions and Financial Stability Risks
According to international surveys by the Bank for International Settlements, about 70% of financial sector companies use AI for cash flow forecasting and risk assessment.
Emerging Technologies, Organizational Change, and Financial Innovation: A Multi-Country Study from the Arab Region
Primary data was gathered from 2,168 investors, fintech users, and financial professionals across seven Arab countries to evaluate regional digital transformation.
Current Strategies for Financing Enterprise Development: An Innovative and Harmonious Approach
Asset tokenization serves as a digital financing mechanism converting real asset rights into blockchain-based tokens (page 2).
A Non-Compensatory Multimetric Framework for Technology Assessment in Regulated Environments
The Non-Compensatory Multimetric Framework (NCMF) is validated on 2 real technology initiatives of a leading insurance group [p.1].
Deep-π*: A Neural Network Estimate of Trend Inflation
Deep-π* models trend inflation by mapping 122 macroeconomic indicators through neural networks into trend innovations, eliminating latent random-walk shocks and enabling exact Shapley attribution.
ECB Perception of Non-Banks: A Machine Learning-Based Approach
The authors construct an index tracking the European Central Bank's perception of non-bank financial intermediaries using 2,830 speeches delivered between July 1998 and June 2024.
A Critical Analysis of the Legal and Ethical Challenges of Digital Lending Applications in Tanzania: A Doctrinal Analysis with Comparative Reference to Nigeria
Regulators actively enforced rules by blocking sixty-nine unlicensed loan applications in November 2024.
Stablenotes v1 Whitepaper — Owner-Bound Offline Transaction Authorization for Stablecoins and Tokenized Assets
The 29 October 2026 Binance incident resulted in an estimated USD 6.3 billion in unauthorized hot-wallet outflows with initial findings showing no evidence of a private-key leak.
The 2026 State of Open Source in Financial Services
Financial services contributors generated 1,260,883 commits to public GitHub repositories in 2026, representing a 63% increase year-over-year.
A Graph Neural Network Platform for Blockchain Anti-Money Laundering: A Literature Review and Proposed System Architecture
The Elliptic benchmark dataset contains roughly 204 thousand Bitcoin transactions linked by about 234 thousand payment-flow edges across 49 time steps.
Measuring the Digital Maturity of Moroccan Commercial Banks: Construction of a Multidimensional Score
The studied sample of five Moroccan commercial banks achieved an overall average digital maturity score of 3.48 out of 5.
Digital Financial Literacy and Trust in Hybrid AI Advisory: Explaining Perceived Private Wealth Management Capability Among Digitally Engaged Retail Investors in an Emerging Market
A non-probability sample of 249 digitally engaged retail investors in Vietnam was evaluated using PLS-SEM with 5,000 bootstrap subsamples.
Transformation of the Insurance Market under Global Volatility: Mechanisms for Ensuring the Stability of Mandatory and Voluntary Insurance Segments
In 2022, global real premium growth contracted by −0.8% for general insurance and −3.8% for life insurance before recovering in 2023.
Generative AI in Finance: Mapping the Emerging Convergence of Quantitative Trading, Robo-Advisory, and Blockchain Markets
The study analyzes a bibliometric dataset of 695 English-language Scopus records published between 2023 and 2025 to map the intellectual structure of GenAI in finance.
Discussion Paper on Machine Learning for IRB Models
The EBA published its discussion paper on machine learning for IRB models under reference EBA/DP/2021/04 on 11 November 2021.
The Euro Area Bank Lending Survey - Third Quarter of 2026
Euro area banks reported a net tightening of credit standards for loans or credit lines to firms of 9% in the third quarter of 2026, up from 7% in the second quarter.
Decorrelating the Advice Layer: A Calibrated Fragility Metric and Tested Mitigations for Synchronized Liquidation in Agentic Wealth Management
In a March 2026 survey of 938 U.S. investors, 62% reported using AI tools for investment decisions, 22% used them to assist portfolio decisions, and 24% named "market herding" as a concern.
Fintechs and Banks: Working Together, Competing, or Converging?
The relationship between financial technology firms and traditional banks has evolved through a three-phase progression from initial competition to cooperation and convergence.
Headwind or Tailwind? How Banks Interpret Borrowers' AI Exposure
As public attention to AI rose following the release of ChatGPT, banks lowered assessed default risk (PD) for borrowers in highly AI-exposed industries by about 5%.
Same Person, Different Advice: Auditing LLM Financial Advice with Repeated Risk-Tolerance Responses
Across 800 real household profiles where only the risk answer changed, seven large language models shifted recommended stock allocations by 10 to 16 percentage points on average.
Sound Practices for Responsible Adoption of Artificial Intelligence (AI): Final Report
The Financial Stability Board (FSB) identified 12 sound practices to help all financial institutions realise the benefits of AI while managing its risks responsibly.
Regulatory and Supervisory Modernisation Principles: Consultation Report
A stocktake conducted by the FSB gathered 126 modernisation efforts from 24 jurisdictions and 3 SSBs across various financial sectors and entity types.
AI Use and Risk Disclosure by Investment Advisers
Researchers drew a stratified random sample of 400 SEC-registered investment advisers from a population frame of 16,223 active firms.
Entrepreneurial Opportunity Landscape in Wealth Management: Technology-Driven Entrepreneurship
Global financial wealth is projected to grow by 10.7% in 2025 to reach US$333 trillion according to BCG's report.