FinTech 5.0 and the Future of Global Finance: Harnessing Artificial Intelligence, Blockchain, and Big Data to Build Inclusive, Sustainable, and Resilient Financial Ecosystems

Abstract

The rapid evolution of financial technologies (FinTech) has transformed global financial systems by reshaping transaction models, risk management practices, and financial inclusion strategies. The aim of this study was to investigate the role of emerging technologies such as artificial intelligence, blockchain, and big data in advancing financial sustainability, risk mitigation, and inclusion. The research employed a quantitative methodology, collecting primary data through structured surveys distributed to finance professionals, technology experts, and banking stakeholders across developing economies. Data were analysed using descriptive statistics, correlation, and regression models to capture the impact of technological adoption on financial performance, inclusion, and resilience. The results demonstrated that artificial intelligence significantly enhanced predictive analytics and risk assessment processes, blockchain improved transparency and security in transactions, and big data supported decision-making and customer profiling. These technologies collectively showed strong positive associations with sustainable finance and greater access to financial services. Findings further revealed that financial technology adoption reduced systemic vulnerabilities and promoted resilience in volatile economic environments. In conclusion, the study confirmed that integrating advanced financial technologies fosters long-term financial stability, broadens inclusion, and mitigates systemic risks. Recommendations emphasized the need for regulatory frameworks, cross-sector collaboration, and capacity-building initiatives to maximize technological benefits. Future directions call for longitudinal studies exploring evolving FinTech adoption patterns and comparative cross-country analyses to strengthen evidence-based policymaking.

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