The Impact of Artificial Intelligence in Financial services-Fintech

Registration ID: IJNRD_219417

Published ID: IJNRDTH00134

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Pothapala BhanuSreeja, Dr.Rashmi Akshay Yadav

FinTech, Financial Services, Artificial Intelligence.

The financial services sector is undergoing a change thanks to artificial intelligence (AI), especially in the area of financial technology (FinTech). By improving efficiency, accuracy, and security, artificial intelligence (AI) integration in FinTech has drastically changed traditional financial services. Financial institutions may improve decision-making, streamline operations, and provide individualized consumer experiences with the help of artificial intelligence (AI) technologies including machine learning algorithms, natural language processing, and predictive analytics. The automation of previously intensive and error-prone tasks is one of the main effects of AI in FinTech. AI-powered systems have the capacity to handle massive amounts of data quickly, which makes it possible to make decisions about investment strategies, risk assessment, and fraud detection more quickly and accurately. These developments save financial organizations money while simultaneously increasing operational effectiveness. AI systems can offer investors insightful information and support them in making well-informed decisions to optimize returns on their investments by evaluating massive volumes of data in real-time. Additionally, AI has completely changed the way financial services customers interact with a company by making it possible to create chatbots and virtual assistants that can offer clients efficient, personalized help. By responding to consumer questions, offering financial guidance, and even helping with personal money management, these AI-powered solutions raise client happiness and engagement levels. But there are also ethical, security, and data privacy issues to be concerned about with FinTech's growing dependence on AI. Safeguarding confidential data and upholding openness in AI algorithms are growing concerns that financial institutions must address as they gather and examine vast volumes of consumer data. A study is conducted to compare the financial performance of the AI impacted financial services. The objective of the study was to compare the performance of AI with major Financial Services. The sample for the study taken was 5 years (2018 to 2023) of financial statements. To analyze the variance of the mean among the Fintech companies, Variance analysis and ANOVA test has been conducted. Through analysis it is found that the Fintech companies has achieved a better position on net profit margin and debt coverage ratio with positive differences in comparison of other financial services

Published Paper   E-Certificate

Pothapala BhanuSreeja & Dr.Rashmi Akshay Yadav (April-2024). The Impact of Artificial Intelligence in Financial services-Fintech. INTERNATIONAL JOURNAL OF NOVEL RESEARCH AND DEVELOPMENT, 9(4), 824-864. https://ijnrd.org/papers/IJNRDTH00134.pdf

Volume 9 Issue 4, April-2024

Pages : 824-864

Paper Reg. ID: IJNRD_219417

Published Paper Id: IJNRDTH00134

Downloads: 000122075

Research Area: Management

Author Type: Indian Author

Country: PUTTUR, Andhra Pradesh, India

Published Paper PDF: https://ijnrd.org/papers/IJNRDTH00134.pdf

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