Transforming the Financial Ecosystem: The Synergy of FinTech, RegTech, and Artificial Intelligence


  • Nasser Jaradat Faculty of Administrative and Finance Sciences, Palestine Ahliya University (Palestine)
  • Imad Al-Zeer Faculty of Administrative and Finance Sciences, Palestine Ahliya University (Palestine)
  • Ahmad Areiqat Faculty of Business Administration, Al-Ahliyya Amman University (Jordan)



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.


FinTech, RegTech, Artificial Intelligence, Financial Innovation, Regulatory Compliance


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How to Cite

Jaradat, N., Al-Zeer, I., & Areiqat, A. (2023). Transforming the Financial Ecosystem: The Synergy of FinTech, RegTech, and Artificial Intelligence. Journal of Palestine Ahliya University for Research and Studies, 2(3), 97–103.