International Journal on Science and Technology

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Artificial Intelligence-Driven Risk Management for Fintech Enterprises: Enhancing Decision-Making Through Predictive Analytics

Author(s) Sai Teja Battula
Country United States
Abstract This article explores the integration of artificial intelligence into fintech risk management frameworks, examining how predictive analytics are revolutionizing risk assessment and mitigation capabilities across the financial services industry. It investigates the evolution of risk management within the rapidly changing fintech landscape, highlighting how traditional approaches prove increasingly inadequate in addressing complex challenges like real-time fraud detection, cybersecurity threats, alternative credit assessment, cryptocurrency volatility, and decentralized finance liquidity risks. The article presents a comprehensive analysis of AI-powered solutions across key risk domains, including credit risk assessment, fraud detection, and market risk modeling, demonstrating their superior performance compared to conventional methods. It further outlines a structured framework for enterprise AI implementation, addressing the critical dimensions of data infrastructure, model development, operational integration, and continuous adaptation. The article also examines significant implementation challenges related to regulatory compliance, model explainability, data quality, and talent requirements. Finally, it explores emerging trends that will shape the future of AI-driven risk management, including federated learning, quantum computing, automated risk mitigation, and ecosystem-wide risk intelligence capabilities.
Keywords Keywords: Artificial intelligence, Fintech risk management, Predictive analytics, Machine learning, Financial fraud detection
Field Computer
Published In Volume 16, Issue 1, January-March 2025
Published On 2025-03-27
Cite This Artificial Intelligence-Driven Risk Management for Fintech Enterprises: Enhancing Decision-Making Through Predictive Analytics - Sai Teja Battula - IJSAT Volume 16, Issue 1, January-March 2025. DOI 10.71097/IJSAT.v16.i1.2804
DOI https://doi.org/10.71097/IJSAT.v16.i1.2804
Short DOI https://doi.org/g892c8
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