Authors: Dr. M. Nithya, P. Sreelekha, Dr. Sonal Sharma, Dr. Neeti Misra, and Dr. N. Mohamed Sameem

ISBN: 978-93-7183-908-2

DOI: https://doi.org/10.59646/562

Date of Publication: January 12, 2026

About the Book:

The global financial landscape is undergoing a profound transformation driven by rapid advancements in digital technologies. Among these, Blockchain, Financial Technology (FinTech), and Artificial Intelligence (AI) stand out as the most influential forces reshaping how financial systems operate, how value is created, and how trust is established in the digital age. The convergence of these technologies is not merely an incremental change but a paradigm shift that is redefining the future of finance.

This textbook, “Blockchain, FinTech, and AI: Convergence of Digital Finance,” is designed to provide a comprehensive and integrated understanding of how these three transformative technologies intersect to create innovative, efficient, and inclusive financial ecosystems. Blockchain introduces decentralization, transparency, and security; FinTech accelerates financial innovation and accessibility; and Artificial Intelligence enhances decision-making through data-driven intelligence and automation. Together, they form the foundation of next-generation digital finance.

The primary objective of this book is to bridge the gap between theory and practice. It presents fundamental concepts, technological architectures, and operational frameworks while also exploring real-world applications such as digital payments, smart contracts, decentralized finance (DeFi), algorithmic trading, fraud detection, credit scoring, and regulatory technology (RegTech). Equal emphasis is placed on opportunities and challenges, including cybersecurity risks, ethical considerations, regulatory complexities, and data privacy concerns.

This book is intended for students of management, finance, commerce, computer science, and information systems, as well as academicians, researchers, policymakers, and industry professionals seeking to understand and leverage digital finance technologies. The content is structured in a clear and progressive manner, enabling readers with diverse academic backgrounds to grasp complex ideas without compromising analytical depth.

In an era where financial innovation is both rapid and disruptive, understanding the convergence of Blockchain, FinTech, and AI is no longer optional—it is essential. This textbook aspires to serve as a reliable academic resource and a practical guide for those who wish to participate meaningfully in the evolving digital finance ecosystem. It is our hope that this work will inspire critical thinking, foster innovation, and contribute to the development of a more transparent, resilient, and inclusive financial future.