FinTech in Audit, Compliance, and Capital Market

Abstract

This chapter examines the transformative influence of financial technology (FinTech) on audit, compliance, and capital markets – three pillars that sustain trust, transparency, and efficiency in the global financial system. Rapid advances in automation, artificial intelligence (AI), blockchain, and predictive analytics are reshaping how institutions manage risk, monitor transactions, conduct audits, and maintain regulatory adherence. FinTech applications are enabling real-time oversight, reducing manual errors, accelerating reporting cycles, and enhancing fraud detection capabilities through intelligent, datadriven systems. Simultaneously, capital markets are undergoing significant digital modernization, with algorithmic trading, tokenization, distributed ledger technologies (DLT), and digital asset platforms redefining how securities are issued, traded, and settled. By analyzing both operational advancements and emerging challenges, this chapter provides a comprehensive understanding of how FinTech is modernizing conventional financial processes while preparing institutions for a more automated, transparent, and resilient market environment.