AI-Driven Fintech Solutions for Strategic Business Management: Enhancing Financial Decision-Making, Risk Assessment, and Operational Efficiency
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The convergence of Artificial Intelligence (AI) and Financial Technology (Fintech) has catalyzed a paradigm shift in strategic business management. This paper explores how AI-powered Fintech solutions are revolutionising financial decision-making, operational efficiency, and risk mitigation in modern enterprises. Through mixed-method research involving statistical regression, thematic case analysis, and financial modeling across 500 firms, the study evaluates how full and partial adoption of AI-Fintech tools (e.g., intelligent credit scoring, fraud detection, and predictive analytics) influence revenue growth, forecast accuracy, and budgeting efficiency
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The fusion of Artificial Intelligence (AI) with Fintech has revolutionized strategic business management by enabling real-time financial decision-making, robust risk assessment, and optimized operational efficiency. This study investigates the transformative impact of AI-driven Fintech tools across financial analytics, credit risk modeling, operational forecasting, and regulatory compliance. Leveraging a synthetic dataset of 500 corporate entities, we apply machine learning models to assess financial risk, ESG performance, and cost-risk trade-offs. The findings emphasize AI’s role in predictive accuracy, fraud detection, and scenario planning, showcasing dashboards for ROI vs ESG alignment and intelligent risk scoring systems.