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FinTech
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Fintech Innovations: Transforming the Financial Landscape
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Fintech Innovations: Transforming the Financial Landscape

A special issue of FinTech (ISSN 2674-1032).

Deadline for manuscript submissions: 31 December 2025 | Viewed by 3769

Special Issue Editors

Dr. Mitra Arami

E-Mail
Guest Editor
Métis Lab, EM Normandie Business School, 76600 Le Havre, France
Interests: Fintech, payment services, project management; business excellence and maturity models; digital transformation, diffusion of innovations; as well as AI and machine learning
Special Issues, Collections and Topics in MDPI journals
Prof. Dr. Patricia Baudier

E-Mail Website
Guest Editor
Métis Lab, EM Normandie Business School, 76600 Le Havre, France
Interests: new technology; consumer behavior and digital marketing; Fintech

Special Issue Information

Dear Colleagues,

This Special Issue on Fintech innovations aims to explore the transformative impact of financial technology (Fintech) on the global financial landscape. As the integration of technology with financial services accelerates, it is reshaping how businesses operate, how consumers manage their finances, and how financial institutions deliver their services.

This Special Issue seeks to bring together cutting-edge research and insights from academics, industry professionals, and policymakers to provide a comprehensive understanding of the latest trends, challenges, and opportunities in Fintech. The focus will be on a range of topics, including digital banking, blockchain technology, cryptocurrency, AI-driven financial services, cybersecurity, regulatory frameworks, and the socio-economic implications of Fintech innovations.

By examining these areas, this Special Issue aims to contribute to the ongoing discourse on how Fintech is redefining financial services, promoting financial inclusion, and challenging traditional banking models. We invite contributions that critically assess the current state of Fintech, offer innovative solutions, and forecast future developments in this rapidly evolving sector.

We encourage submissions that not only advance our academic understanding but also offer practical insights for industry practitioners and policymakers.

Dr. Mitra Arami
Prof. Dr. Patricia Baudier
Guest Editors

Manuscript Submission Information

Manuscripts should be submitted online at www.mdpi.com by registering and logging in to this website. Once you are registered, click here to go to the submission form. Manuscripts can be submitted until the deadline. All submissions that pass pre-check are peer-reviewed. Accepted papers will be published continuously in the journal (as soon as accepted) and will be listed together on the special issue website. Research articles, review articles as well as short communications are invited. For planned papers, a title and short abstract (about 100 words) can be sent to the Editorial Office for announcement on this website.

Submitted manuscripts should not have been published previously, nor be under consideration for publication elsewhere (except conference proceedings papers). All manuscripts are thoroughly refereed through a single-blind peer-review process. A guide for authors and other relevant information for submission of manuscripts is available on the Instructions for Authors page. FinTech is an international peer-reviewed open access quarterly journal published by MDPI.

Please visit the Instructions for Authors page before submitting a manuscript. The Article Processing Charge (APC) for publication in this open access journal is 1000 CHF (Swiss Francs). Submitted papers should be well formatted and use good English. Authors may use MDPI's English editing service prior to publication or during author revisions.

Keywords

  • AI
  • blockchain technology
  • cryptocurrency
  • cybersecurity
  • decentralized finance
  • digital banking
  • disruptive technologies
  • financial inclusion
  • innovations
  • regulatory frameworks
  • portfolio management in fintech

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Further information on MDPI's Special Issue policies can be found here.

Published Papers (4 papers)

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Research

16 pages, 219 KiB  
Article
The Role of Regulatory Sandboxes in FinTech Innovation: A Comparative Case Study of the UK, Singapore, and Hungary
by János Kálmán
FinTech 2025, 4(2), 26; https://doi.org/10.3390/fintech4020026 - 16 Jun 2025
Abstract
Regulatory sandboxes have emerged as policy instruments designed to support FinTech innovation while maintaining supervisory oversight. By allowing firms to test financial products in controlled environments, sandboxes aim to reduce regulatory uncertainty and facilitate market entry. Despite their growing adoption, empirical evidence of [...] Read more.
Regulatory sandboxes have emerged as policy instruments designed to support FinTech innovation while maintaining supervisory oversight. By allowing firms to test financial products in controlled environments, sandboxes aim to reduce regulatory uncertainty and facilitate market entry. Despite their growing adoption, empirical evidence of their effectiveness remains limited, particularly in emerging markets. This study explores the impact of regulatory sandboxes on innovation and market access through a qualitative comparative case study of the United Kingdom, Singapore, and Hungary. Drawing on document analysis and thematic coding, the research evaluates sandbox design, regulatory support, and innovation outcomes across the three jurisdictions. Findings show that sandboxes enhance access to funding, accelerate product development, and foster regulator–firm collaboration. While the UK and Singapore benefit from mature ecosystems and structured frameworks, Hungary illustrates sandbox potential in developing markets. The paper contributes to FinTech regulation literature and provides policy recommendations for optimizing sandbox design across varied institutional contexts. Full article
(This article belongs to the Special Issue Fintech Innovations: Transforming the Financial Landscape)
15 pages, 257 KiB  
Article
Option Strategies and Market Signals: Do They Add Value to Equity Portfolios?
by Sylvestre Blanc, Emmanuel Fragnière, Francesc Naya and Nils S. Tuchschmid
FinTech 2025, 4(2), 25; https://doi.org/10.3390/fintech4020025 - 13 Jun 2025
Viewed by 95
Abstract
This study explores an innovative approach to incorporating option strategies into equity portfolios. It presents an alternative direction that institutional investors could take to overcome their current challenges, in a context where traditionally diversified portfolios of only equity and fixed-income assets have shown [...] Read more.
This study explores an innovative approach to incorporating option strategies into equity portfolios. It presents an alternative direction that institutional investors could take to overcome their current challenges, in a context where traditionally diversified portfolios of only equity and fixed-income assets have shown weaknesses that make it difficult for these investors to achieve their performance goals within their risk limits. We test whether a set of well-known backward-looking signals from equities markets and less-researched forward-looking ones from options markets can be used to improve the efficiency of two option strategies, namely covered call and protective put. The trend signal appears to be the one that adds the most value to both strategies. This study also shows that increasing complexity through additional trading rules does not improve the results of the more basic option strategies that make use of the signals. Full article
(This article belongs to the Special Issue Fintech Innovations: Transforming the Financial Landscape)
17 pages, 803 KiB  
Article
The Investment Styles and Performance of AI-Related ETFs: Analyzing the Impact of Active Management
by Nikoletta Poutachidou and Alexandros Koulis
FinTech 2025, 4(2), 20; https://doi.org/10.3390/fintech4020020 - 29 May 2025
Viewed by 533
Abstract
This paper studies the performance of ETFs that invest in companies involved in artificial intelligence (AI) technologies, such as firms focused on AI research, development, and applications. Using daily data from 15 American ETFs focused on AI-related companies over the period from 1 [...] Read more.
This paper studies the performance of ETFs that invest in companies involved in artificial intelligence (AI) technologies, such as firms focused on AI research, development, and applications. Using daily data from 15 American ETFs focused on AI-related companies over the period from 1 February 2019 to 29 December 2023, this paper investigates their investment style characteristics through a returns-based style analysis (RBSA). This study offers detailed insights into the degree of active versus passive management and highlights strategic patterns that may guide investment decisions in AI-themed financial products. We highlight that asset selection drives fund performances more than active management strategies, offering practical insights for investors and policymakers. Full article
(This article belongs to the Special Issue Fintech Innovations: Transforming the Financial Landscape)
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28 pages, 2935 KiB  
Article
Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments
by Otilia Manta, Valentina Vasile and Elena Rusu
FinTech 2025, 4(2), 13; https://doi.org/10.3390/fintech4020013 - 1 Apr 2025
Cited by 1 | Viewed by 1725
Abstract
In the context of rapid advancements in financial technologies and the evolving demand of the digital economy, this study explores the transformative impact of FinTech and artificial intelligence (AI) on the banking sector, with a particular focus on payment systems. By examining innovative [...] Read more.
In the context of rapid advancements in financial technologies and the evolving demand of the digital economy, this study explores the transformative impact of FinTech and artificial intelligence (AI) on the banking sector, with a particular focus on payment systems. By examining innovative financial instruments and AI-driven solutions, this research investigates how these technologies enhance efficiency, security, and customer experience in banking operations. This study evaluates the integration of AI in payment systems, including its role in predictive analytics, fraud detection, and personalization, while aligning with global trends in digital transformation and sustainability. Adopting an interdisciplinary approach, this analysis highlights scalable and resilient strategies that address emerging challenges in the financial ecosystem. The findings provide a comprehensive framework for leveraging AI and FinTech to drive the evolution of banking services, supporting the transition toward a more innovative, digitalized, and sustainable financial future. Full article
(This article belongs to the Special Issue Fintech Innovations: Transforming the Financial Landscape)
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