Article: Emergence of FinTech technologies as a game changing innovation in the digitalised era Journal: International Journal of Technology, Policy and Management (IJTPM) 2025 Vol.25 No.3 pp.225 - 240 Abstract: FinTech is a powerful mix of new digital technologies and changing customer needs. It's not just changing financial services; it's changing everything. Its game-changing features make access more open, personalise solutions, and speed up deals. For example, they can help people who do not have bank accounts by automating investments. But, like any change, it has problems, like digital divides, security worries, and rules that make it hard to use. We can guide FinTech toward a future where its transformative power helps everyone by putting an emphasis on ethical considerations, responsible innovation, and openness. This will pave the way for a fairer and more prosperous financial environment. This is not just a great piece of technology; it's also a call to action, a chance to change the story of finance with FinTech as our strong tool. Let's see how it can change things and work together to make the future a place where financial services really meet everyone's needs. Inderscience Publishers - linking academia, business and industry through research

Title: Emergence of FinTech technologies as a game changing innovation in the digitalised era

Authors: Diwakar Chaudhary; Subhash Kumar Verma; Rashi Baliyan; Pooja Singh; Khadilkar Sujay Madhukar

Addresses: Department of Management, Mangalmay Institute of Management and Technology, Greater Noida, Uttar Pradesh, 201310, India ' School of Business Management, Noida International University, Greater Noida, Uttar Pradesh, 201310, India ' School of Business Management, Noida International University, Greater Noida, Uttar Pradesh, 201310, India ' Amity School of Economics, Amity University, Greater Noida, Uttar Pradesh, 201310, India ' Kolhapur Institute of Technology, Institute of Technology, Institute of Management Education and Research, Kolhapur, 416003, India

Abstract: FinTech is a powerful mix of new digital technologies and changing customer needs. It's not just changing financial services; it's changing everything. Its game-changing features make access more open, personalise solutions, and speed up deals. For example, they can help people who do not have bank accounts by automating investments. But, like any change, it has problems, like digital divides, security worries, and rules that make it hard to use. We can guide FinTech toward a future where its transformative power helps everyone by putting an emphasis on ethical considerations, responsible innovation, and openness. This will pave the way for a fairer and more prosperous financial environment. This is not just a great piece of technology; it's also a call to action, a chance to change the story of finance with FinTech as our strong tool. Let's see how it can change things and work together to make the future a place where financial services really meet everyone's needs.

Keywords: digitalisation; FinTech; disruption; blockchain; AI.

DOI: 10.1504/IJTPM.2025.148838

International Journal of Technology, Policy and Management, 2025 Vol.25 No.3, pp.225 - 240

Received: 12 Mar 2024
Accepted: 12 Jun 2024
Published online: 29 Sep 2025 *

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Title: Emergence of FinTech technologies as a game changing innovation in the digitalised era

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