International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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AI in India’s Fintech Industry: Opportunities, Challenges, and Future Outlook

Author(s) Mohammed Hussain Shaziya Zahid
Country India
Abstract Artificial Intelligence (AI) has emerged as a key driver of transformation in India’s fintech sector, driving innovations across digital payments, lending, fraud detection, customer service, and financial inclusion. This paper examines the current and potential impacts of AI on India’s fintech industry by analyzing quantitative data and reviewing key AI applications. It also examines the adoption of AI in Indian fintech industry, its market size, market revenue and the projected growth of Indian Fintech market up to the year 2030 by analyzing charts. The findings reveal that AI adoption is accelerating, leading to significant improvements in operational efficiency, fraud prevention, and customer satisfaction. However, challenges related to regulation, particularly data privacy and AI transparency, remain a barrier to unlocking the sector’s full potential. This paper underscores the importance of developing robust regulatory frameworks to ensure sustainable and ethical AI development. As India’s fintech market is projected to reach $150 billion by 2025, the continued integration of AI—supported by appropriate regulations—will be crucial for maintaining competitive advantage and promoting financial inclusion. The study concludes that while AI offers vast opportunities, its responsible deployment will require a balance between innovation, regulation, and consumer trust to ensure fairness and long-term growth.
Published In Conference / Special Issue (Volume 7 | Issue 3) - Two Day International Conference on Commerce & Economics (ICCE-2025) (May 2025)
Published On 2025-05-10
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E-ISSN 2582-2160
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