STRATI Journal of FinTech and Financial Innovation

The Journal aims to:

• Provide a global platform for rigorous academic and applied research on the design, adoption, and impact of financial technologies.
• Explore how FinTech innovations influence financial inclusion, efficiency, risk management, and market structure.
• Assess the implications of FinTech for regulation, governance, and consumer protection.
• Promote cross-disciplinary understanding of emerging trends such as blockchain, DeFi, RegTech, and AI in finance.
• Inform policymakers and industry leaders with evidence-based recommendations for fostering innovation while safeguarding financial stability.

Scope includes (but is not limited to):

• Digital payment systems, mobile money, and cryptocurrencies.
• Blockchain and distributed ledger technologies in finance.
• RegTech and compliance automation.
• Digital lending, robo-advisors, and algorithmic trading.
• FinTech for financial inclusion and poverty alleviation.
• Risk assessment, cybersecurity, and fraud prevention in digital finance.

Detailed Themes

Potential research topics may include, but are not limited to:

1. Digital Payment Innovations – mobile wallets, contactless payments, QR-based payments, and real-time payment systems.
2. Blockchain Applications in Finance – smart contracts, tokenization of assets, and decentralized exchanges.
3. Cryptocurrencies and Central Bank Digital Currencies (CBDCs) – adoption, regulation, and macroeconomic implications.
4. Digital Lending Platforms – peer-to-peer (P2P) lending, marketplace lending, and alternative credit scoring models.
5. Artificial Intelligence in Finance – robo-advisors, predictive analytics, and automated investment strategies.
6. Regulatory Technology (RegTech) – compliance monitoring, anti-money laundering (AML) solutions, and know-your-customer (KYC) innovations.
7. InsurTech – digital insurance platforms, parametric insurance, and AI-driven claims processing.
8. Decentralized Finance (DeFi) – liquidity pools, yield farming, governance tokens, and stablecoins.
9. Big Data Analytics in Financial Services – customer segmentation, credit risk modeling, and fraud detection.
10. Cybersecurity in Digital Finance – data privacy, hacking prevention, and resilience strategies.
11. Crowdfunding and Crowdinvesting – platforms, regulation, and market dynamics.
12. Open Banking and API Ecosystems – interoperability, data sharing, and competition policy.
13. Financial Inclusion through FinTech – rural and low-income market access, microfinance integration, and social impact.
14. Sustainable FinTech – green bonds, climate finance platforms, and ESG investment tools.
15. Gamification of Finance – behavioral implications of digital finance interfaces.
16. Cross-Border Digital Transactions – remittances, foreign exchange, and digital trade facilitation.
17. Ethics and Governance of FinTech – transparency, bias in algorithms, and consumer rights.
18. Venture Capital and FinTech Startups – funding trends, innovation ecosystems, and exit strategies.
19. Impact of COVID-19 on FinTech Growth – resilience, acceleration, and post-pandemic transformations.
20. Case Studies of FinTech Disruption – banking sector transformation, regional adoption patterns, and lessons from emerging markets.

Send your paper to Email: strat.institute@gmail.com