Artificial Intelligence (AI) in the Fintech Sector:An ‎Employee Perception

  • Authors

    • Dr. S. Mohammed Zaheed Assistant Professor, PG & Research Department of Economics, The New College (Affiliated to University of ‎Madras, Chennai-14) -(0009-0002-3047-9262)‎
    • Lakshmi Devi. M. Assistant Professor in Commerce, Yenepoya University, Bangalore- (0009- 0003 6701 8096)‎
    • Dr. A. J. Haja Mohideen HOD of Economics & Additional Vice Principal, Jamal Mohammed College [Affiliated to Bharathidasan University], ‎Tiruchirappalli-20- (0009-0000-0453-8922)‎
    • Dr. B. Mahammad Rafee Assistant Professor, PG & Research Department of Economics, Jamal Mohammed College [Affiliated to ‎Bharathidasan University], Tiruchirappalli20-(0000-0001-5936-5037)‎
    • Mr.A. Ahamed Jakith Assistant Professor, PG & Research Department of Economics, Jamal Mohammed College [Affiliated to ‎Bharathidasan University], Tiruchirappalli-20 -(0009-0008-6865-8542)‎
    • Dr. Sogra Khatoon Assistant Professor in Commerce, Yenepoya University, Bangalore-(0009-0000-0216-4701)‎
    • Dr. M. A. Raja Mohamed Assistant Professor, PG & Research Department of Economics, Jamal Mohammed College [Affiliated to ‎Bharathidasan University], Tiruchirappalli-20-(0009-0005-0318-1008)‎
    https://doi.org/10.14419/m2qkap36

    Received date: November 17, 2025

    Accepted date: January 23, 2026

    Published date: February 15, 2026

  • Artificial Intelligence (AI), Fintech, Data analytics, Predictive Analysis, Employee Perception, ANOVA

  • Abstract

    Artificial intelligence (AI) is revolutionizing the financial industry through automation, ‎enhanced client interactions, and data analytics. Its primary functions include automating ‎banking processes to optimize productivity and reduce human error, improving decision-making ‎in asset management and loan evaluations, and facilitating faster transaction processing. AI ‎enhances client experience by personalizing recommendations and providing 24/7 support ‎via chatbots. Additionally, AI-driven analytics offer insights into consumer behavior and help ‎financial firms tailor services. The study also examined the implications of AI from an employee ‎perspective. The study found that, according to the survey among employees, 27% of Fintech ‎workers are female and 73% male, with senior employees comprising 55% of the workforce. ‎Most workers are in payment-related industries (57%), while awareness of AI is high, as 73% ‎are extremely familiar with it. Over 73% of companies use AI, mainly for customer service and ‎risk assessment, though 35% report a lack of qualified workers as a barrier. Employees believe ‎AI improves time management (85%), but have mixed views on productivity benefits. Ethical ‎concerns about data privacy are acknowledged, and 63% feel AI can manage customer ‎inquiries effectively, while 85% believe AI could significantly transform the Fintech sector. The ‎study opined that Gender differences were found to significantly influence the challenges ‎organizations face in implementing AI technologies, followed by factors such as organizational ‎transformation, customer experience, usage and adoption of AI in fintech operations, familiarity ‎with AI technologies, industry segment, and job position. However, AI has its drawbacks and ‎restrictions in finance, such as data security and privacy issues. To reduce these risks, AI ‎systems must be fair and transparent, with ethical standards and routine audits being used to ‎detect and correct biased results‎.

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  • How to Cite

    Zaheed , D. S. M. ., M. , L. D. ., Mohideen , D. A. J. H. ., Rafee , D. B. M. ., Jakith , M. A. ., Khatoon , D. S. ., & Mohamed , D. M. A. R. . (2026). Artificial Intelligence (AI) in the Fintech Sector:An ‎Employee Perception. International Journal of Accounting and Economics Studies, 13(2), 185-192. https://doi.org/10.14419/m2qkap36