Security enhancement of fintech platforms with artificial intelligence and blockchain: a systematic literature review

Abstract

The convergence of artificial intelligence (AI) and blockchain is transforming the Fintech sector by offering innovative solutions in security, regulatory compliance, and operational transparency. This systematic mapping study analyzed 667 studies published between 2010 and 2024, selecting 175 relevant articles. The findings show that these technologies optimize critical processes such as Know Your Customer (KYC) and fraud prevention, though they face limitations in scalability, interoperability, and regulatory adaptation. This work provides a comprehensive perspective on their current and future impact in Fintech.Objective: Analyze the impact of AI and blockchain on Fintech platform security, evaluating benefits, limitations, and opportunities to improve critical processes and promote industry adoption.Method: This systematic literature review used five major academic databases: IEEE Xplore, ACM Digital Library, Taylor and Francis Online, Wiley Online Library, and Emerald Insight. From 667 studies, 175 met the inclusion criteria.Results: The integration of AI and blockchain significantly improves the security and efficiency of key processes such as KYC and fraud detection. However, barriers in scalability, interoperability, and regulation persist, limiting widespread implementation.