Paper Title

Analyzing the Role of Fintech Disruption and Artificial Intelligence-Driven Solutions in Reshaping Traditional Banking Business Models and Customer Engagement Strategies

Authors

Constantine Rafail

Keywords

fintech
artificial intelligence
banking disruption
customer engagement
business model innovation
digital transformation
financial services
customer experience.

Article Type

Research Article

Journal

International Journal of Finance

Issue

Volume : 38 | Issue : 3 | Page No : 1-9

Published On

May, 2025

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Abstract

The financial services sector has witnessed massive technological disruption, with fintech and artificial intelligence (AI) at the forefront. As of 2022, traditional banking institutions are experiencing intensified competitive pressure to transform legacy business models and enhance customer engagement through digitization. This paper explores how fintech innovation and AI-driven solutions are reshaping the banking landscape, analyzing historical perspectives, key transformations, and the anticipated future directions. It offers quantitative evaluations using data trends, proposes a structural interpretation of customer experience advancements, and suggests strategies for sustainable integration.