Published Online:July 2025
Product Name:The IUP Journal of Accounting Research & Audit Practices
Product Type:Article
Product Code:IJARAP240725
DOI:10.71329/IUPJARAP/2025.24.3.508-534
Author Name:Gaurav Sarin, Anubha Gupta and Stuti Makhija
Availability:YES
Subject/Domain:Finance
Download Format:PDF
Pages:508-534
This paper examines the present status of research on the application of fintech in enterprises. Fintech uses technology to improve, automate, and innovate financial services, and it includes digital banking, mobile payments, investment apps, cryptocurrencies, and AI-powered financial tools. Users get faster, cheaper, and more accessible banking services with fintech. The study examined 107 articles published between 2020 and 2024 for bibliometric analysis of fintech research issues and trends. The evaluation divides fintech apps into lending, insurance, payments and transfers, and investments and wealth management. The results show that fintech apps are changing the way standard financial services work and offering new ways to solve problems that have been around for a long time. However, concerns persist over issues like privacy, safety and regulations. The review concludes with recommendations for further research, emphasizing the necessity for additional empirical investigations to ascertain the impact of fintech on financial equity, consumer behavior, and corporate success. The paper provides an overview of the present landscape of fintech research and identifies critical topics for further investigation.
The financial landscape has recently experienced a significant transformation, driven by the integration of technology and finance. This transition has created a novel paradigm termed financial technology or fintech, which uses technological breakthroughs to redefine multiple aspects of financial services.