Artificial Intelligence Technologies in Financial Services and Fintech

Abstract

Artificial intelligence (AI) increasingly supports financial decision-making, risk assessment, service innovation, and customer interaction. This study maps the Web of Science (WoS) -indexed literature on AI technologies in financial services and financial technology (FinTech) through a PRISMA-guided bibliometric analysis of 512 English-language articles published from 2016 to 2025. Performance analysis, VOSviewer co-word mapping, CiteSpace timeline analysis, and keyword burst detection are combined to examine publication patterns, research contributors, thematic structure, and changes in scholarly attention. The selected corpus shows rapid publication growth and three prominent co-word domains: AI-driven FinTech innovation, machine learning for credit risk and fraud detection, and user adoption of digital financial services. Temporal mapping and the recent burst of the keyword 'trust' indicate increasing scholarly interest in governance-related and user-oriented concerns, alongside established technical applications. These trends also highlight the relevance of environmental, social, and governance (ESG) considerations, particularly AI sustainability, financial inclusion, and responsible governance. Drawing on these observed patterns, the study advances a socio-technical interpretation in which trustworthy AI governance is proposed as a conceptual linkage among innovation, risk management, and user adoption. The framework is an interpretive synthesis, not an empirically validated causal model. Because the study uses a predefined WoS-only search without formal cross-database or search-strategy sensitivity testing, the findings apply to the selected corpus and should not be regarded as exhaustive of the global literature. The resulting research agenda emphasises responsible management of information resources in AI-enabled financial services.