Overview

The convergence of artificial intelligence and financial technology is reshaping the architecture of modern finance. From intelligent automation and predictive analytics to large language models and generative systems, AI is no longer a peripheral innovation, it is becoming the core engine of digital transformation across banking, payments, lending, wealth management, and insurance. This book, AI and Generative AI in Fintech, explores how advanced technologies such as machine learning, deep learning, natural language processing, and generative AI are redefining decision-making, risk assessment, personalization, and operational efficiency. As financial ecosystems evolve toward real-time, data-driven intelligence, institutions must understand not only the capabilities of AI but also its strategic, ethical, and regulatory implications. Structured to provide both foundational knowledge and applied insight, this book guides readers from the fundamentals of AI in fintech to specialized domains including digital payments, AI-driven lending, WealthTech, InsurTech, conversational AI, blockchain, and decentralized finance. It also addresses governance, compliance, and the emerging regulatory landscape that will shape responsible innovation. Through practical projects, including capstone, research, and industry applications, readers are encouraged to move beyond theory into implementation. Designed for students, professionals, researchers, and industry leaders, this text aims to equip readers with the technical understanding, strategic perspective, and forward-looking vision required to lead in the age of intelligent finance.

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