The Evolution of Fintech: Innovations in Capital Acquisition, Utilization, and Management

Zhiting Chen

2025

Abstract

Under the cover of Financial Technology (FinTech), digital technologies including artificial intelligence (AI), blockchain, and distributed finance (DeFi) have quickly become well-known to transform financial organizations. Three important aspects of FinTech—capital acquisition, use, and management—are investigated in this study under the influence of artificial intelligence-driven investment platforms and digital banking, so improving financial access and transaction efficiency. We also go over how, particularly in loans and payments, blockchain and machine learning strengthen security and risk management. We also stress modern issues with cybersecurity and changing laws as well as fresh developments like RegTech and quantum computing. Acknowledging these developments will help to balance financial stability with innovative ideas, guarantee inclusive development, and change laws to fit the always changing digital world. This paper emphasizes the need of continuous research to investigate both the technology and policy consequences of FinTech's rapid development given its transforming effect on how financial transactions are carried out.

Paper Citation

in Harvard Style

Chen Z. (2025). The Evolution of Fintech: Innovations in Capital Acquisition, Utilization, and Management. In Proceedings of the 2nd International Conference on Data Science and Engineering - Volume 1: ICDSE; ISBN 978-989-758-765-8, SciTePress, pages 442-447. DOI: 10.5220/0013699100004670

in Bibtex Style

@conference{icdse25,
author={Zhiting Chen},
title={The Evolution of Fintech: Innovations in Capital Acquisition, Utilization, and Management},
booktitle={Proceedings of the 2nd International Conference on Data Science and Engineering - Volume 1: ICDSE},
year={2025},
pages={442-447},
publisher={SciTePress},
organization={INSTICC},
doi={10.5220/0013699100004670},
isbn={978-989-758-765-8},
}

in EndNote Style

TY - CONF

JO - Proceedings of the 2nd International Conference on Data Science and Engineering - Volume 1: ICDSE
TI - The Evolution of Fintech: Innovations in Capital Acquisition, Utilization, and Management
SN - 978-989-758-765-8
AU - Chen Z.
PY - 2025
SP - 442
EP - 447
DO - 10.5220/0013699100004670
PB - SciTePress