Artificial Intelligence-Driven FinTech Valuation: A Scalable Multilayer Network Approach

The integration of Artificial Intelligence (AI) in the FinTech industry has significantly reshaped operational workflows, product innovation, and risk management, all of which are pivotal to company valuation. This study investigates the impact of AI-enhanced multilayer networks on FinTech valuation, introducing a novel, scalable multilayer network model with AI-driven Copula Nodes that serve as connectors across operational layers. By incorporating AI, the research unveils a dynamic and interconnected approach to FinTech valuation, revealing new pathways for value co-creation through real-time adjustments and predictive capabilities. The research reveals that while operational efficiency is a major driver of market value, a balanced integration of AI across risk management, product innovation, and market perception is essential for maximizing value. Additionally, the findings highlight the importance of managing AI-driven risks such as algorithmic bias and regulatory challenges. This comprehensive framework offers critical insights for FinTechs, investors, and regulators seeking to understand the complex role of AI in enhancing valuation within the evolving financial services landscape.