Role of Artificial Intelligence and Blockchain in Transforming the Operations of Fintech Organisations: An Empirical Study

Abstract

Artificial Intelligence (AI), Blockchain, and Financial Technology (FinTech) are reshaping how financial systems work, making them more secure, efficient, and accessible. AI improves decision-making and risk assessment, while Blockchain ensures secure, tamper-proof transactions. Together with FinTech, they are building a financial ecosystem that is faster, smarter, and more inclusive. This paper explores how these technologies work together to solve key challenges in the financial world. It looks at how they can reduce barriers to access, promote economic inclusion, and create new possibilities for innovation and growth. These changes are particularly important as digital solutions become essential to meeting the needs of a fast-moving global economy. Understanding the impact of this technological integration has far-reaching implications. Better supportive regulations and tools to improve efficiency and expand access are a few of the applications of these technologies. For society, it means financial systems that are more equitable and inclusive. This paper highlights how the fusion of AI, Blockchain, and FinTech is not just transforming finance but also helping shape a future where financial opportunities are open to all. Sample of 207 people from different fintech organization were surveyed to explore the factors that shows different Role of Artificial Intelligence and Blockchain in Transforming the Operations of Fintech Organisations and found that Customer Experience, Fraud Detection and Prevention, Payments and Transactions and Audit and Compliance are the factors showing different Role of Artificial Intelligence and Blockchain in Transforming the Operations of Fintech Organisations.