Knowledge Economy Studies

Shaping Fintech through Regulations: Insights and Future Directions

Document Type : Original Article

Authors

Marziyeh Nourahmadi 1
Fatemeh Rasti 2

1 Assistant Professor of Financial Engineering, Department of Accounting, Hazrat-e Masoumeh University, Qom, Iran.

2 Department of Management, Faculty of Social and Economic Sciences, Al-Zahra University, Tehran, Iran.

https://doi.org/10.22034/kes.2025.2056916.1052
Abstract
Regulations regarding financial technologies (fintech) refer to laws that aim to balance financial innovation with the maintenance of security, transparency, and financial stability in digital markets. This research study aims to analyze the trends, challenges, and future directions in the field of fintech regulations using a Bibliometric approach. To this end, relevant keywords were initially searched in Scopus and Web of Science databases, resulting in the selection of 191 papers as the research dataset. Subsequently, the Bibliometrix package in R was employed to identify the influential authors and institutions, analyze temporal trends, and detect the related research clusters. The results indicated that research on fintech regulations has shown a significant growth. Core challenges in this field include maintaining data security, achieving international regulatory coordination, and facilitating the acceptance of financial innovations. Ultimately, this study provided some insights into the challenges of regulating innovation and offered guidance for researchers, policymakers, and fintech professionals in understanding the current trends and designing more effective regulatory frameworks to support the financial innovation.

Keywords

Bibliometric Analysis
Financial Regulation
Fintech
Regulatory Challenges
Trend Mapping
Subjects
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Knowledge Economy Studies
Volume 2, Issue 1
April 2025
Pages 35-57

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