Blockchain in FinTech: Advancing Inclusive Digital Finance

Abstract

The convergence of blockchain and financial technology (FinTech) is changing the face of finance globally by offering safe, transparent, and affordable services to serve underserved groups of people. The study provides a systematic literature review, covering Payments, Asset Management, Financial Inclusion, and Other Innovations. A bibliometric analysis has the annual publication tendencies indicates the tendency of the increasing academic interest, according to a steep rise of eight articles in 2020 to 35 articles in 2025. The areas of research in Asia and the large journals (Sustainable Finance and World Sustainability Series) support the propagation of knowledge. The analysis of citations demonstrates the work that was foundational in the field of decentralized finance and the AIFinTech symbiosis. The thematic mapping of FinTech and blockchain also points to these two themes as the most important ones, with recent developments of interest in digital identity and regulatory compliance. The international system of cooperation revolves around India, with major collaborations occurring across the continent. These findings can provide researchers and practitioners a mechanism overview of current research dynamics and thematic developments, unlock the inclusive digital finance through blockchain-based Fintech innovations.