Convergence of Artificial and Business Intelligence in FinTech: A Quantitative Analysis of Stakeholder Insights on Trust, Risk, and Financial Innovation

Authors

  • Ajay Goel Research Scholar, Faculty of Management, Sir Padampat Singhania University, Udaipur Author
  • Manish Dadhich Associate Professor, Sir Padampat Singhania University, Udaipur Author
  • Prasun Chakrabarti Pro President, Sir Padampat Singhania University, Udaipur Author
  • Arvind Sharma Associate Professor, Faculty of Data Science and Analytics, Sir Padampat Singhania University, Udaipur Author

DOI:

https://doi.org/10.31305/rrijm.2026.v11.n03.024

Keywords:

FinTech Perception, Transparency, Regulation, Trust, Financial Innovation, AI

Abstract

With an emphasis on how important elements, perceived risk, system openness, and trust in AI-BI systems affect stakeholder perceptions of financial innovation, this study clarifies the confluence of AI and business intelligence in the FinTech industry. Data was gathered from 248 middle and senior-level individuals working in the FinTech and AI domains using a quantitative research design. The findings showed that stakeholder perception was significantly improved by all three independent variables, with trust acting as the most powerful predictor. The study supports the growing significance of explainability, risk communication, and principled AI practices in endorsing the adoption of innovations. These results advance the theoretical knowledge of technology adoption in data-driven financial services and render useful information for developers, FinTech companies, and legislators looking to boost confidence and lessen opposition to AI-BI-powered advances.

Author Biographies

  • Ajay Goel, Research Scholar, Faculty of Management, Sir Padampat Singhania University, Udaipur

    Ajay Goel serves as the Chief Financial Officer of Vedanta Group, a diversified, publicly listed natural resources company with annual revenues of $20 billion. In his role as CFO, Ajay leads the Group’s financial strategy, ensuring robust governance and oversight across strategic financial planning and analysis, board governance, risk management, investor relations, capital allocation, accounting and consolidation, audit, secretarial, and risk management functions. With over 25 years of extensive experience, Ajay has held leadership roles at renowned global multinationals in the FMCG and manufacturing sectors, including General Electric (GE), Nestlé, Coca-Cola, and Diageo. Ajay is a graduate of St. Xavier’s College, Kolkata, with a Bachelor of Commerce (Honours). He is also a qualified Chartered Accountant and Company Secretary.

  • Manish Dadhich, Associate Professor, Sir Padampat Singhania University, Udaipur

    Dr. Manish Dadhich is PhD from the Department of Commerce, EAFM, University of Rajasthan, Jaipur, M.Com., UGC-NET (Commerce); MBA, UGC-NET (Management), RPSC-SET (Management). He has 17+ years of teaching experience in various colleges, universities, and corporate sectors, a rare blend of academia, industry, corporate consultancy, and research. He is presently working as an Associate Professor at Faculty of Management, Sir Padampat Singhania University, Udaipur. He has published 90+ research papers in reputed international & national journals indexed in Scopus/SCI/IEEE/ABDC/WoS. He also presented more than 60 research papers at national and international conferences. He is a reviewer, advisor, and editorial board member of various reputed International Journals of IEEE, Springer, and Elsevier. Moreover, he has authored many renowned case studies, including those published by Harvard Business Publishing and Emerald. His work has earned global recognition for its academic and professional impact. He is in charge of Program Officer of National Service Scheme (NSS), member of the Directorate of Research, and Secretary of Alumni Society. Presently, seven scholars are pursuing PhD under his supervision. Four of his PhD students were awarded degrees. He was awarded two gold medals in the National Conference for the best research paper. He has published one textbook and five edited books, including two indexed in Scopus. Dr. Dadhich is a frequent speaker at FDPs, MDPs, research workshops, and lectures for orientation and refresher courses. He was also awarded one Australian patent and published two Indian patents. Further, his major research focuses on Finance, Derivatives, Banking, FinTech, and Statistics.

  • Prasun Chakrabarti, Pro President, Sir Padampat Singhania University, Udaipur

    Prof. (Dr.) Prasun Chakrabarti is a renowned academician, researcher, and administrator in Computer Science and Engineering, currently serving as Director (Research and Publications), Dean (International Affairs), and Senior Professor at Sir Padampat Singhania University, Udaipur. He holds a Ph.D. (Engineering) from Jadavpur University and a D.Litt. in Management from Sambalpur University, along with numerous international fellowships and recognitions. With extensive experience in leadership roles such as Provost, Deputy Provost, and Dean, he has also held visiting and research positions in globally reputed institutions across Japan, Taiwan, Italy, Iran, and the UK. His research contributions span artificial intelligence, machine learning, cybersecurity, and interdisciplinary domains, reflected in numerous high-impact publications in journals like Nature (Scientific Reports) and IEEE, along with a large portfolio of international patents, designs, and copyrights. He has guided multiple Ph.D. scholars and led funded research projects, including work on quantifying human thought processes, establishing himself as a globally recognized scholar contributing significantly to innovation, research, and academic excellence.

  • Arvind Sharma, Associate Professor, Faculty of Data Science and Analytics, Sir Padampat Singhania University, Udaipur

    Dr. Arvind Sharma has 19+ years of academic experience in the field of Mathematics (Engineering and Management). He has completed his PhD in “Gneneral Relativity and Cosmology” from MLSU, Udaipur. He has completed his M.Phil. in Mathematics from MKU Chennai. He is working as Associate Professor in Faculty of Data Science and Analytics at Sir Padampat Singhania University, Udaipur. He has published more than 30 research papers in reputed national and international journals and conferences. He has attended more than 25 national and international workshops, faculty development programmes and conferences.

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Published

2026-03-15

Issue

Vol. 11 No. 3 (2026): RESEARCH REVIEW International Journal of Multidisciplinary

Section

Articles

How to Cite

Goel, A., Dadhich, M., Chakrabarti, P., & Sharma, A. (2026). Convergence of Artificial and Business Intelligence in FinTech: A Quantitative Analysis of Stakeholder Insights on Trust, Risk, and Financial Innovation. RESEARCH REVIEW International Journal of Multidisciplinary, 11(3), 243-250. https://doi.org/10.31305/rrijm.2026.v11.n03.024