Bodorin, Bianca-Eugenia; Ciobanu, Eliza - In: International Journal of Financial Studies : open … 14 (2026) 1, pp. 1-29
The digitalization of finance has accelerated the diffusion of FinTech and raised new questions about how AI, data security and blockchain shape consumer behaviour. This article examines current FinTech users, focusing on mobile banking, security perceptions, AI-enabled personalisation and trust...