TY - JOUR
T1 - Artificial Intelligence-Driven FinTech Valuation: A Scalable Multilayer Network Approach
AU - Moro Visconti, Roberto
PY - 2024
Y1 - 2024
N2 - The integration of Artificial Intelligence (AI) in the FinTech industry has significantly
reshaped operational workflows, product innovation, and risk management, all of which are pivotal
to company valuation. This study investigates the impact of AI-enhanced multilayer networks on
FinTech valuation, introducing a novel, scalable multilayer network model with AI-driven Copula
Nodes that serve as connectors across operational layers. By incorporating AI, the research unveils
a dynamic and interconnected approach to FinTech valuation, revealing new pathways for value
co-creation through real-time adjustments and predictive capabilities. The research reveals that
while operational efficiency is a major driver of market value, a balanced integration of AI across
risk management, product innovation, and market perception is essential for maximizing value.
Additionally, the findings highlight the importance of managing AI-driven risks such as algorithmic
bias and regulatory challenges. This comprehensive framework offers critical insights for FinTechs,
investors, and regulators seeking to understand the complex role of AI in enhancing valuation within the evolving financial services landscape.
AB - The integration of Artificial Intelligence (AI) in the FinTech industry has significantly
reshaped operational workflows, product innovation, and risk management, all of which are pivotal
to company valuation. This study investigates the impact of AI-enhanced multilayer networks on
FinTech valuation, introducing a novel, scalable multilayer network model with AI-driven Copula
Nodes that serve as connectors across operational layers. By incorporating AI, the research unveils
a dynamic and interconnected approach to FinTech valuation, revealing new pathways for value
co-creation through real-time adjustments and predictive capabilities. The research reveals that
while operational efficiency is a major driver of market value, a balanced integration of AI across
risk management, product innovation, and market perception is essential for maximizing value.
Additionally, the findings highlight the importance of managing AI-driven risks such as algorithmic
bias and regulatory challenges. This comprehensive framework offers critical insights for FinTechs,
investors, and regulators seeking to understand the complex role of AI in enhancing valuation within the evolving financial services landscape.
KW - AI-driven operational efficiency
KW - AI-driven operational efficiency
UR - http://hdl.handle.net/10807/291536
UR - https://www.mdpi.com/2674-1032/3/3/26#
U2 - 10.3390/fintech3030026
DO - 10.3390/fintech3030026
M3 - Article
SN - 2674-1032
VL - 2024
SP - 479
EP - 495
JO - FINTECH
JF - FINTECH
ER -