INTELLIGENT FINANCIAL TECHNOLOGIES: CONVERGENCE, MANAGEMENT, SYNERGISM AND TOTAL VECTORS OF INFLUENCE

Abstract

The relevance of the study lies in the consideration of the issues of the financial sector transformation under the influence of the development of innovative intelligent financial technologies. Based on the application of institutional, evolutionary, synergistic methodological approaches, it is shown that the formation of the Fintech industry market has led to changes in the entire financial sector. The role of artificial intelligence and other intelligent technologies in the development of Fintech and the formation of a total vector of influence on financial systems on a macro scale is analyzed. The study led to the conclusion that the involvement of new participants in interaction through convergence based on smart solutions of “digital finance” expands the boundaries of the synergistic effect, covering not only Fintech, but the entire financial sector, and also contributes to the implementation of sustainable development goals, thus participating in the formation of social and general economic effects, including on a global scale. The study expands the boundaries of the analysis of macroeconomic effects caused by new financial technologies, and also complements the arsenal of scientific paradigms of Fintech, the banking sector and their interaction with synergetic methods.