Securing the Future: A Critical Study on Cybersecurity, FinTech, and Artificial General Intelligence (AGI)

References

[1] Ahmed, S., Li, T., & Sun, J. (2024). Integrated cybersecurity frameworks for blockchain, AI, and cloud-based finance. Frontiers in Blockchain, 7, 1359130. https://doi.org/10.3389/fbloc.2024.1359130

[2] Anagnostopoulos, I. (2018). FinTech and regtech: Impact on regulators and banks. Journal of Economics and Business, 100, 7–15. https://doi.org/10.1016/j.jeconbus.2018.03.001

[3] Arner, D. W., Barberis, J., & Buckley, R. P. (2017). FinTech and RegTech: Impact on regulators and banks. Journal of Banking Regulation, 19(3), 1–14. https://doi.org/10.1057/s41261-017-0038-3

[4] Bostrom, N. (2014). Superintelligence: Paths, dangers, strategies. Oxford University Press.

[5] Brynjolfsson, E., & McAfee, A. (2014). The second machine age: Work, progress, and prosperity in a time of brilliant technologies. W. W. Norton & Company.

[6] Chen, M. A., Wu, Q., & Yang, B. (2019). How valuable is FinTech innovation? The Review of Financial Studies, 32(5), 2062–2106. https://doi.org/10.1093/rfs/hhz017

[7] Gai, K., Qiu, M., & Sun, X. (2018). A survey on FinTech. Journal of Network and Computer Applications, 103, 262–273. https://doi.org/10.1016/j.jnca.2017.10.011

[8] Gomber, P., Kauffman, R. J., Parker, C., & Weber, B. W. (2018). On the FinTech revolution: Interpreting the forces of innovation, disruption, and transformation in financial services. Journal of Management Information Systems, 35(1), 220–265. https://doi.org/10.1080/07421222.2018.1440766

[9] Guo, Y., & Liang, C. (2016). Blockchain application and outlook in the banking industry. Financial Innovation, 2, 24. https://doi.org/10.1186/s40854-016-0034-9

[10] Kou, G., Chao, X., Peng, Y., & Alsaadi, F. E. (2019). Machine learning methods for systemic risk analysis in financial sectors. Technological and Economic Development of Economy, 25(5), 716–742. https://doi.org/10.3846/tede.2019.8740

[11] Kshetri, N. (2017). Blockchain’s roles in meeting key supply chain management objectives. International Journal of Information Management, 39, 80–89. https://doi.org/10.1016/j.ijinfomgt.2017.12.005

[12] Li, X., Jiang, P., Chen, T., Luo, X., & Wen, Q. (2018). A survey on the security of blockchain systems. Future Generation Computer Systems, 107, 841–853. https://doi.org/10.1016/j.future.2017.08.020

[13] Mougayar, W. (2016). The business blockchain: Promise, practice, and application of the next Internet technology. Wiley.

[14] Ng, W., & Kwok, B. (2017). Emergence of FinTech and the LASIC principles. Journal of Financial Perspectives, 5(3), 1–17.

[15] Puschmann, T. (2017). FinTech. Business & Information Systems Engineering, 59(1), 69–76. https://doi.org/10.1007/s12599-017-0464-6

[16] Shrier, D., Canale, M., & Pentland, A. (2016). The impact of blockchain technologies on cybersecurity. MIT Connection Science. [Available on ResearchGate]

[17] Swan, M. (2015). Blockchain: Blueprint for a new economy. O'Reilly Media.

[18] Tapscott, D., & Tapscott, A. (2016). Blockchain revolution: How the technology behind bitcoin is changing money, business, and the world. Penguin.

[19] Yermack, D. (2017). Corporate governance and blockchains. Review of Finance, 21(1), 7–31. https://doi.org/10.1093/rof/rfw074

[20] Zhang, Y., & Wen, J. (2017). An IoT electric business model based on the protocol of bitcoin. IEEE Access, 4, 1–9. https://doi.org/10.1109/ACCESS.2016.2567384

[21] Zetzsche, D. A., Buckley, R. P., Arner, D. W., & Barberis, J. N. (2017). Regulating a revolution: From regulatory sandboxes to smart regulation. Fordham Journal of Corporate & Financial Law, 23(1), 31–103.

[22] Abeywardena, C., Tan, C., & Wu, H. (2023). Ethical and regulatory challenges in blockchain–AI convergence. Journal of Financial Innovation, 11(2), 45–62. https://doi.org/10.1016/j.fininn.2023.100345

[23] Zhao, L., Qian, Y., & Noor, R. (2023). Regulating FinTech: A cross-jurisdictional analysis of blockchain compliance. Global Finance Review, 8(1), 77–91. https://doi.org/10.1016/j.gfr.2023.01.006

[24] Binns, R., Veale, M., Van Kleek, M., & Shadbolt, N. (2018). 'It's reducing a human being to a percentage': Perceptions of justice in algorithmic decisions. Proceedings of the 2018 CHI Conference on Human Factors in Computing Systems, 1–14. https://doi.org/10.1145/3173574.3173951

@article{1708367,
      author = {Paulin Kamuangu},
      title = {Securing the Future: A Critical Study on Cybersecurity, FinTech, and Artificial General Intelligence (AGI)},
      journal = {Iconic Research And Engineering Journals},
      year = {2025},
      volume = {8},
      number = {11},
      pages = {670-677},
      issn = {2456-8880},
      url = {https://www.irejournals.com/formatedpaper/1708367.pdf},
      abstract = {The rapid convergence of cybersecurity, Financial Technology (FinTech), and Artificial General Intelligence (AGI) is reshaping the digital landscape. It offers transformational opportunities supplemented with complex risks. The research critically investigates the confluence of the said disciplines to establish how AGI's widening capabilities can further quell FinTech innovation, at the same time enhancing cyber security vulnerability. This view has been delineated within the paper through the adoption of a mixed-methods approach that involved qualitative expert interviews and quantitative surveys related to the governance, regulatory, and ethical issues pertaining to the emerging technologies. It goes ahead to cite several groundbreaking innovations, such as AGI-based anti-fraud detection, predictive cybersecurity analytics, and the personalization of financial services. The text delves into conversations highlighting excesses and the lacunae within the gamut of regulations and data privacy standards compounded by cross-cutting systemic risks prompting the adoption of an agile and collaborative governance regime to mitigate vulnerabilities and threats. Graphs and tables created from SmartArt visualisations and using Python code to present prominent trends, threat vectors, and the future of technology derive a backdrop for this work. The results could offer channels to further research on the development of theoretical and practical strategies required for coping with technology convergence in finance, especially because it offers something that is useful to analysts, policymakers, and professionals-for coping with the fast-evolving digital surrounding.},
      keywords = {Cybersecurity, FinTech, Artificial General Intelligence (AGI), Financial Innovation, Digital Risk Management, Ethical AI, Regulatory Governance, Data Privacy, Financial Technology Security.},
      month = {May},
  }