JESD_Vol 08N 01

JESD_Vol 08N 01

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The Influence Of Financial Technology
(جامعة الوادي University of Eloued, 2025-03-01) Tedjania, Hamza
The advancement of financial technology (FinTech) has transformed digital asset management by introducing innovative tools that enhance efficiency, security, and accessibility. Blockchain technology plays a central role by providing a decentralized and immutable ledger system that ensures transparency and minimizes the risk of fraud. Smart contracts automate transactions, reducing reliance on intermediaries and lowering operational costs. Additionally, automated investment platforms, powered by artificial intelligence (AI) and machine learning, optimize asset management strategies by analyzing vast datasets in real time. Digital wallets have further revolutionized the sector by offering secure and userfriendly platforms for storing and transacting digital assets. Despite these advancements, challenges remain, including regulatory uncertainties, cybersecurity threats, and technological dependencies. This paper explores the impact of FinTech on digital asset management, highlighting key innovations, their implications for efficiency and security, and the evolving regulatory landscape. The findings underscore the transformative potential of FinTech in reshaping financial markets while emphasizing the need for robust risk management frameworks to address emerging challenges