AI-Driven Performance of Fintech: Navigating Challenges and Unlocking Potential

The use of artificial intelligence in financial technology has changed the way financial services work. It has greatly improved how well the market performs, how users experience services, and how efficiently businesses operate. This paper looks at how it affects the finance technology industry in different ways. It focuses on important measures like market share, sales, profits, new users, and growth since the start of the FinTech companies. The main points show that AI tools help improve decision-making, reduce risks, and tailor user interactions. This leads to a larger market presence in digital payments, lending, and wealth management areas. The use of AI has facilitated fintech companies, especially those started in the past ten years, to make a lot more money and profit. They use advanced technology to do better than old banks and financial institutions. The study looks at how quickly more people are using financial technology. This growth is supported by artificial intelligence, which creates different customer needs while keeping everything safe and following the rules. Even with these improvements, there are still problems, like rules to follow, worries about ethics, and issues with data privacy. Fintech needs careful planning to ensure long-term sustainability.