Revolutionizing Finance: Leveraging Advanced Technologies to Shape the Future of Fintech

This study investigates the transformative impact of technologies like QR codes, digital wallets, blockchain, and AI on financial services, showcasing FinTech's shift from enhancing existing systems to redefining service models.A critical review of recent literature highlights FinTech's benefits in accessibility and efficiency, contrasted with challenges in security, privacy, and compliance, especially with blockchain and AI.Emphasizing a move from transactions to datadriven, consumer-focused approaches, the study stresses the need for robust regulation and informed consumer practices.Limited by its reliance on secondary data, future research should incorporate primary data from emerging economies and explore governance frameworks for trust-building.