A STUDY ON THE ADOPTION OF FINANCIAL TECHNOLOGIES IN THE ERA OF DIGITAL TRANSFORMATION

Special Issue - Innovative Commerce: Bridging Business and Computer Applications (ICBBCA-2026) |PG Department of Commerce with Computer Applications, Mannar Thirumalai Naicker College, Madurai – March 2026| International Journal of Computer Science (IJCS) Published by SK Research Group of Companies (SKRGC)

Abstract

The rapid growth of digital technologies has significantly transformed the financial sector, leading to the widespread adoption of financial technologies (FinTech). This study examines the adoption of financial technologies in the era of digital transformation and their impact on financial services and user behavior. FinTech innovations such as digital payments, mobile banking, blockchain, and artificial intelligence have improved efficiency, accessibility, and convenience in financial transactions. The study explores the factors influencing the adoption of these technologies, including technological awareness, security, ease of use, and government initiatives promoting digital finance. It also highlights the benefits and challenges associated with FinTech adoption, such as increased financial inclusion, faster transactions, and concerns related to cybersecurity and data privacy. By analyzing current trends and developments in digital finance, this study aims to provide insights into how financial technologies are reshaping traditional financial systems and contributing to the overall digital transformation of the global economy.

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Keywords

Digital Transformation, Financial Technology (FinTech), Artificial Intelligence, Blockchain, Cloud Computing.