Abstract
This paper explores how Financial Technologies (FinTech), Regulatory Technologies (RegTech), and Artificial Intelligence (AI) are changing the financial world. We aim to make these complex topics clear and engaging, using everyday language and avoiding jargon. Our study looks closely at recent research and real-life examples, like how mobile banking apps have revolutionized personal finance and how AI is used in fraud detection. We also focus on these technologies' critical ethical issues, such as data privacy concerns, the risk of biased algorithms, and how they might affect financial equality. By examining both the benefits and challenges, including these ethical aspects, our paper provides insights and recommendations for future research and discussion. The goal is to contribute meaningfully to the evolving conversation about technology's role in finance, making it understandable and relevant to a broad audience.
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