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This book provides a comprehensive exploration of artificial intelligence in financial technology, bridging foundational concepts, core architectures, and advanced applications. Part I introduces the evolution of fintech, AI’s role in reshaping services, and the regulatory landscape, highlighting compliance, explainability, and global frameworks. Part II delves into enabling technologies, including AI-driven payment infrastructures, microservices, event-driven systems, and secure data engineering tailored to finance. Part III advances into applications such as liquidity optimization with multi-agent systems, AI-enhanced cross-border payments, and next-generation credit scoring that addresses fairness and bias. Part IV presents case studies from banks, fintech startups, and insurers, followed by frameworks for building scalable, secure, and ethical AI systems. Concluding with future directions, the book examines autonomous finance, generative AI, CBDCs, and decentralized models, offering a roadmap for research and innovation.
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Pushpalika Chatterjee
Pushpalika Chatterjee is a Senior Software Engineering Manager specializing in financial technology, microservices architecture, and digital payments. With extensive experience leading innovation in real-time payment systems—including FedNow, RTP, and merchant onboarding platforms—she has contributed to shaping scalable, secure, and intelligent financial infrastructures.
Alongside her industry leadership, Pushpalika is an independent AI researcher and prolific author, with publications in Springer, IEEE, and other internationally recognized journals and conferences. Her research spans AI-driven blockchain frameworks, multi-agent reinforcement learning for liquidity optimization, real-time risk scoring in cross-border payments, and ethical governance of AI systems in finance. She is also actively engaged as a reviewer, technical program committee member, and keynote speaker at global academic and industry forums, advancing dialogue at the intersection of AI, compliance, and financial innovation. Through her dual role as practitioner and researcher, Pushpalika bridges academic insights with real-world fintech solutions, making her contributions highly relevant to both scholars and practitioners.
