Fintech-Driven Innovation in Financial Risk Management: A Conceptual Paper on Data-Driven Transformation of Corporate Decision-Making

Authors

  • Shahsuzan Zakaria Universiti Teknologi MARA
  • Mei-Shan Chua Faculty of Business and Management Universiti Teknologi MARA, Cawangan Selangor, Malaysia
  • Mohd Faizal Kamarudin cFaculty of Business and Management, Universiti Teknologi MARA, Selangor Campus, Malaysia
  • Adib Zakwan Al-Qayyum Shahbuddin Akademik Pengajian Bahasa, Universiti Teknologi MARA, Shah Alam, Senagor, Malaysia

DOI:

https://doi.org/10.54554/jtmt.2025.13.03.004

Abstract

This conceptual paper examines how Fintech innovations, such as artificial intelligence (AI), blockchain, and big data analytics, are fundamentally transforming financial risk management through data-driven strategies. The proposed framework positions Fintech innovation as an independent variable that enhances predictive accuracy and risk management efficiency. Financial risk management capability functions as a mediator, translating technological advancements into improved organizational decision-making. Corporate decision-making performance is identified as the key outcome, reflecting strategic and operational success. The framework also highlights the moderating role of data analytics maturity, which strengthens the impact of Fintech on risk management, and the mediating role of strategic agility, which enables organizations to respond rapidly and effectively to changing risks. This approach offers new theoretical and practical insights for firms and regulators as they navigate the evolving digital finance landscape.

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Published

2025-12-23

How to Cite

Zakaria, S., Chua, M.-S., Kamarudin, M. F., & Shahbuddin, A. Z. A.-Q. . (2025). Fintech-Driven Innovation in Financial Risk Management: A Conceptual Paper on Data-Driven Transformation of Corporate Decision-Making. Journal of Technology Management and Technopreneurship (JTMT), 13(3). https://doi.org/10.54554/jtmt.2025.13.03.004

Issue

Vol. 13 No. 3 (2025): SPECIAL ISSUES (IN PRESS)

Section

Journal of Technology Management and Technopreneurship

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Copyright (c) 2025 Journal of Technology Management and Technopreneurship (JTMT)

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