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VOL. 5, ISSUE 3 (2019)
The impact of fintechon the banking sector
Authors
Dr. Sharmila Ahlawat
Abstract
Financial technology—commonly known as fintech—has emerged as one of
the most transformative forces reshaping the global banking and financial
services industry. Driven by advances in mobile computing, cloud
infrastructure, artificial intelligence (AI), blockchain, and big data
analytics, fintech has disrupted traditional banking models, altered
competitive dynamics, redefined customer expectations, and prompted sweeping
regulatory responses. This paper examines the multidimensional impact of
fintech on the banking sector up to 2018–19, drawing on investment data,
adoption metrics, regulatory developments, and comparative case studies across
developed and emerging economies. It finds that while fintech has substantially
enhanced financial inclusion, efficiency, and innovation, it has also
introduced new risks around data privacy, systemic stability, and regulatory
arbitrage.
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Pages:236-239
How to cite this article:
Dr. Sharmila Ahlawat "The impact of fintechon the banking sector". International Journal of Humanities and Social Science Research, Vol 5, Issue 3, 2019, Pages 236-239
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