Paper Contents
Abstract
This chapter explores the dynamic interplay between FinTech adoption and the regulatory environment of banks, highlighting how technological innovations are reshaping financial intermediation while raising new challenges for governance, compliance, and stability. It examines the drivers and barriers to adoption, including digital infrastructure, consumer behavior, and institutional readiness, supported by theoretical frameworks such as TAM, UTAUT, and TOE. The analysis extends to global and Indian regulatory frameworks, emphasizing approaches like regulatory sandboxes, open banking, and data privacy laws, and how these influence adoption decisions. The chapter also assesses strategic responses of bankssuch as collaborations with FinTechs and RegTechs, investments in compliance technologies, and adaptive governance modelsto balance innovation with risk management. It argues that sustainable FinTech adoption requires coordinated efforts among policymakers, regulators, and financial institutions to promote resilience, inclusion, and trust in the evolving finance ecosystem.Keywords:FinTech adoption, banking sector transformation, regulatory environment, financial inclusion, digital payments, blockchain technology, regulatory sandboxes, compliance and risk management
Copyright
Copyright © 2025 Neha Mahadev Sutar. This is an open access article distributed under the Creative Commons Attribution License.
