Focus and Scope
Financial technology is reshaping how individuals, businesses, financial institutions, regulators, and digital ecosystems interact, transact, manage risk, and create economic value. The rapid development of digital payments, blockchain, decentralized finance, artificial intelligence, big data analytics, open banking, cybersecurity systems, and platform-based financial services has created new opportunities for efficiency, inclusion, transparency, and innovation in the global financial landscape. However, these developments also raise critical concerns related to financial risk, consumer protection, data privacy, regulatory compliance, digital trust, ethical innovation, and the sustainability of technology-driven financial systems.
Fintech Innovation Journal (FTIJ) provides a scholarly forum for publishing research on financial technology, digital finance, and innovation in financial services. The journal welcomes theoretical, empirical, methodological, and policy-oriented studies that examine how emerging technologies transform financial products, business models, institutional practices, regulatory frameworks, market behavior, and consumer experiences in the digital economy.
The journal encourages interdisciplinary research that connects finance, economics, information systems, computer science, data science, management, public policy, cybersecurity, and behavioral studies. Contributions may include quantitative research, qualitative studies, computational finance, machine learning applications, financial data analytics, case studies, regulatory analysis, systematic literature reviews, and critical studies of financial digital transformation.
The journal is a forum for the exchange of research findings, analysis, information, and knowledge in areas that include, but are not limited to:
- Digital Finance and Financial Transformation – Research on how digital technologies reshape financial institutions, financial services, banking operations, financial markets, business models, and customer interaction.
- Blockchain, Cryptocurrency, and Decentralized Finance – Studies on blockchain applications, crypto-assets, smart contracts, tokenization, decentralized finance, digital assets, and distributed ledger technologies in financial ecosystems.
- Artificial Intelligence and Data Analytics in Finance – Research applying artificial intelligence, machine learning, deep learning, predictive analytics, data mining, and financial forecasting methods to support financial decision-making.
- Digital Payments, E-Banking, and Financial Inclusion – Studies on mobile payments, electronic banking, digital wallets, payment gateways, open banking, branchless banking, and technology-driven financial inclusion.
- FinTech Risk Management and Financial Forecasting – Research on credit risk, fraud detection, market risk, operational risk, financial stability, algorithmic trading, portfolio analytics, and technology-based risk assessment.
- Regulatory Technology and Digital Financial Governance – Studies on RegTech, SupTech, compliance automation, financial regulation, digital identity, data governance, consumer protection, and policy innovation in financial technology.
- Cybersecurity, Privacy, and Trust in Financial Services – Research addressing cybersecurity threats, data protection, authentication systems, digital trust, secure financial platforms, and privacy issues in digital finance.
- InsurTech, WealthTech, and Alternative Financial Services – Studies on insurance technology, robo-advisory, digital lending, peer-to-peer lending, crowdfunding, microfinance technology, and emerging financial service platforms.
- Behavioral Finance and Consumer Analytics – Research on consumer behavior, financial decision-making, user adoption, digital financial literacy, customer experience, sentiment analysis, and behavioral patterns in technology-enabled finance.
- Sustainable and Inclusive FinTech Innovation – Studies addressing sustainable finance, green finance technology, ethical FinTech, responsible innovation, social impact, financial accessibility, and the role of FinTech in inclusive economic development.