Fintech-digitalisation and innovation in finance

Fodor Sarolta Katinka (2025) Fintech-digitalisation and innovation in finance. Külkereskedelmi Kar.

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Absztrakt (kivonat)

This thesis investigates the dynamic development of the financial industry through digitalisation and new technology, highlighting the rising importance of fintech solutions in everyday life. Financial technology has transformed how individuals and organizations handle their money, owing to globalization and the COVID-19 pandemic, by providing faster, more accessible, and often more sustainable alternatives to traditional banking. As the number of fintech users globally were expected to exceed 3.5 billion by 2024, comprehending their larger effect is both urgent and critical. The study focuses on three major research topics. Firstly, it looks into the social and environmental impact of tokenized real estate developments. Tokenization, which uses fractional ownership and blockchain-enabled transparency, allows a broader sector of society to engage in real estate investments and helps fund ESG (Environmental, Social, and Governance) efforts. However, it also introduces concerns like as market instability and fragmented ownership, which might jeopardize long-term sustainability objectives. Secondly, the study investigates the elements that influence trust in AI-driven virtual financial advisors (VFAs). As AI becomes more integrated into banking, trust is dependent on factors such as dependability, transparency, accuracy, user control, and past user experiences. Despite its cost-effectiveness and predictive powers, AI frequently lacks the emotional intelligence and sensitivity seen in human counselors. Building and maintaining confidence in VFAs necessitates ethical standards, data protection measures, transparency initiatives, and potentially hybrid models that combine human knowledge with computer efficiency. Thirdly, the thesis examines the psychological motives that drive people's propensity to invest in cryptocurrencies. Beyond economic reasoning, social influence, technology familiarity, and psychological considerations including risk tolerance, fear of missing out (FOMO), herd mentality, and loss aversion all play important roles. Younger generations, early adopters, and privacy-conscious individuals are especially drawn to crypto assets, yet regulatory uncertainty remains a substantial source of danger. The research methodology combines secondary literature analysis with qualitative primary research, which includes an in-depth interview with an IT development specialist at a prominent Hungarian bank. This dual strategy enabled the study to thoroughly verify its assumptions and correlate main findings with current academic and industrial knowledge. The findings confirm that tokenized real estate projects can democratize investment options and promote sustainable development, but caution must be used to ensure long-term environmental accountability. Trust in AI-powered financial advisors remains complicated, influenced by a variety of factors, and its growth requires continual efforts toward transparency, regulation, and user-centric design. The psychological reasons underlying Bitcoin investing highlight the need for increased awareness of biases and external influences, notably the impact of social media and emotional decision-making. While the study offers useful insights, it also admits limits, such as the growing nature of the technologies under consideration, the subjective character of qualitative research, and the changing regulatory landscape. Future study ideas include longitudinal studies on user trust building in VFAs, cross-country comparisons of tokenized ESG initiatives, and a deeper look into the psychological influence of social media on cryptocurrency investors. Overall, the thesis emphasizes the revolutionary potential of fintech breakthroughs, as well as the significance of responsible development, regulation, and user education in maximizing their societal and environmental advantages.

Intézmény

Budapesti Gazdasági Egyetem

Kar

Külkereskedelmi Kar

Tanszék

Nemzetközi Kereskedelem és Logisztika Tanszék

Tudományterület/tudományág

NEM RÉSZLETEZETT

Szak

Nemzetközi gazdálkodás

Mű típusa:	diplomadolgozat (NEM RÉSZLETEZETT)
Kulcsszavak:	bank, cryptocurrency, Digital Future, digitalizáció, finance, Financial Technology, fintech, innovation, pénzügy, pénzügyi technológia, robo-advisors, tokenization
SWORD Depositor:	User Archive
Felhasználói azonosító szám (ID):	User Archive
Rekord készítés dátuma:	2025. Okt. 27. 14:25
Utolsó módosítás:	2025. Okt. 27. 14:25

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