FinTech: Banking, Blockchain, and Beyond

FinTech: Banking, Blockchain, and Beyond offers a detailed exploration of the technological and strategic innovations shaping the future of finance. Beginning with the evolution of financial technology and the digitalization of banking, the book examines key components such as mobile banking, digital wallets, peer-to-peer lending, and payment gateways. It also discusses how artificial intelligence, big data analytics, and machine learning enhance risk assessment, fraud detection, and customer experience in the financial sector.
A major focus is placed on blockchain and cryptocurrency technologies, explaining how decentralized systems, smart contracts, and tokenization are redefining trust and transparency in financial transactions. The book analyzes case studies from India and around the world to illustrate the real-world applications of FinTech in areas like microfinance, remittances, and wealth management.
Additionally, the text explores the regulatory and ethical dimensions of FinTech, including compliance challenges, consumer protection, and the need for sustainable and inclusive digital finance.
Written in a clear and accessible style, this book is ideal for students of commerce, management, and technology, as well as for professionals working in banking, finance, and digital innovation. By combining conceptual understanding with applied insights, it empowers readers to engage with the rapidly changing world of financial technology—from banking to blockchain and beyond.