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Open research questions in FinTech, Crowdfunding, Digital Finance

358 unresolved questions extracted from the limitations and future-work sections of 1,374 FinTech, Crowdfunding, Digital Finance papers in our library. Each links back to the study that raised it.

What the literature leaves open

  • The impact of digital inclusive finance on the economy and society may have endogeneity problems because of reverse causality or omitted variables. There may still be an omitted variables problem, leading to biased estimation results.

    Digital Financial Inclusion and Innovation of MSMEs · 2024 · DOI

  • Risk management benefits arise from integrating technical indicators and reward-based safety mechanisms, though universal frameworks remain lacking.

    Machine learning integration in cryptocurrency trading and its fintech implications · 2026 · DOI

  • Therefore, future research should consider additional financial, behavioral, service quality, and institutional factors to better understand customer behavior in an increasingly digitalized financial environment.

    The Impact of Fintech on Customer Preferences and Banking Service Choice Decisions · 2026 · DOI

  • However, whether or how the salience of information in project titles may affect crowdfunding performance remains unknown.

    Commercial or relational cues: how information salience in project titles affects crowdfunding performance · 2026 · DOI

  • Despite the growing interest in green finance, its impact on sustainable performance remains inconclusive.

    The future of green finance: how digital transformation and FinTech drive sustainability · 2025 · DOI

  • It fills a gap in the literature by examining internal cognitive factors that drive innovation.

    Exploring the impact of FinTech on sustainable development in Malaysia: an interpretative phenomenological analysis · 2025 · DOI

  • Future research should explore the interactions between technology, regulations, and entrepreneurship, as well as cultural and regional differences.

    Exploring the impact of FinTech on sustainable development in Malaysia: an interpretative phenomenological analysis · 2025 · DOI

  • Despite recent growing academic attention since 2017, most prominently dropped by Malaysia and Indonesia, there exist gaps in understanding their synergistic role towards financial inclusion and strong sustainability (SS).

    A bibliometric study on cryptocurrency crowdfunding and Islamic finance for advancing Shariah-compliant FinTech · 2025 · DOI

  • Future research will focus on model lightweighting, cross-regional policy simulation, and the optimization of real-time risk response mechanisms.

    Research on the prediction and policy optimization model of Anhui merchants' return investment based on decision transformer · 2025 · DOI

  • A review of these articles and reflection on the existing gaps in each major theme led to the identification of several underexplored or underrepresented issues that future research could address to enrich the major themes in digital banking research.

    Mapping the digital banking landscape: a multi-dimensional exploration of fintech, digital payments, and e-wallets, with insights into current scenarios and future research · 2025 · DOI

  • Digital inclusive finance has a promoting effect on the technological innovation of enterprises of different technological levels, but the support for high-tech enterprises is still insufficient.

    Digital Financial Inclusion and Innovation of MSMEs · 2024 · DOI

  • It is worth noting that this study is limited by the use of only one database, Scopus and excludes grey literature, this could lead to skewed results but this can be an arena for future research.

    A bibliometric analysis of financial technology: unveiling the landscape of a rapidly evolving field · 2024 · DOI

  • Thus, this study provides a deeper understanding of the interactions between ENF, FINV, and SP while also underscoring the necessity for further investigation into contextual factors that influence FinTech’s role in sustainability.

    Does environmental finance matter for sustainability? The role of financial innovation and Fintech · 2024 · DOI

  • The study is limited because the weights of the key regulations have not been investigated.

    Unveiling the landscape of Fintech in ASEAN: assessing development, regulations, and economic implications by decision-making approach · 2024 · DOI

  • Spending a lot of money to set up the technology. Problems with keeping information private and making sure data is safe from hackers. The need to have people who really know what they are doing to manage the Artificial Intelligence technology.

    Artificial Intelligence in the Banking Sector: Transforming Traditional Banking into Smart and Secure · 2026 · DOI

  • To identify the ways in which Artificial Intelligence could help the banking sector in the future. To investigate the increasing trend of Artificial Intelligence in the banking and financial industry.

    Artificial Intelligence in the Banking Sector: Transforming Traditional Banking into Smart and Secure · 2026 · DOI

  • Future studies can investigate the impact of social media platforms on digital minimalism and cognitive overload. Future studies can explore the development of AI-powered interfaces for unbiased insights and decision support. Future studies can examine the effectiveness of financial education programs in promoting financially prudent behaviors among Gen Z.

    Social media distrust and turn to artificial intelligence among generation Z: a qualitative model linking digital minimalism and financial discipline with social policy recommendations · 2026 · DOI

  • There is a lack of understanding of how Gen Z navigates social media distrust and turns to artificial intelligence tools. There is a need to explore Gen Z's lived experiences and subjective reasoning patterns related to digital minimalism and financial discipline.

    Social media distrust and turn to artificial intelligence among generation Z: a qualitative model linking digital minimalism and financial discipline with social policy recommendations · 2026 · DOI

  • There is a lack of understanding of the factors that influence AI adoption in Islamic banking. The study aims to address this gap by examining the relationships among five constructs related to AI adoption.

    Customer Perceptions of Artificial Intelligence-Driven Services in Islamic Banking: Evidence from Selected Banks in Sharjah, the United Arab Emirates · 2026 · DOI

  • The integration of agentic AI into financial ecosystems poses significant technical challenges, including the need for robust and scalable systems. The development of agentic AI systems requires significant advances in reinforcement learning and multi-agent systems. The governance of agentic AI systems raises important challenges related to accountability, explainability, cybersecurity, and ethical alignment.

    FinTech 5.0: Strategic Transformation Through Agentic Artificial Intelligence · 2026 · DOI

  • Future research should explore the development of agentic AI systems for financial institutions. Future research should examine the implications of FinTech 5.0 for operational efficiency, risk management, and customer-centric innovation. Future research should investigate the governance challenges related to accountability, explainability, cybersecurity, and ethical alignment in FinTech 5.0.

    FinTech 5.0: Strategic Transformation Through Agentic Artificial Intelligence · 2026 · DOI

  • The study is based on secondary data and does not provide primary data. The literature on FinTech fraud in India is fragmented and lacks a comprehensive framework.

    An Analytical Study of FinTech Frauds in India: Types, Trends, and Ecosystem Vulnerabilities · 2026 · DOI

  • Further research is needed to develop effective strategies for preventing and mitigating FinTech frauds. The study's findings can be used as a basis for further research on the vulnerabilities in the ecosystem that lead to FinTech frauds. More research is needed to raise awareness among users about the risks of FinTech frauds.

    An Analytical Study of FinTech Frauds in India: Types, Trends, and Ecosystem Vulnerabilities · 2026 · DOI

  • Comprehensive analyses of user sentiments and satisfaction drivers towards AI-enabled FinTech lending platforms remain limited. The study identifies a gap in understanding the evolving sentiment toward AI-enabled lending platforms.

    From Hype to Hesitation: A Longitudinal Analysis of User Sentiments towards AI‑Enabled Fintech Lending Platforms · 2026 · DOI

  • The paper addresses user sentiment toward AI-enabled fintech lending but does not examine whether sentiment divergence correlates with specific AI transparency factors (e.g., explainability of creditworthiness algorithms, disclosure of alternative data usage). Future research should conduct comparative sentiment analysis between platforms with varying levels of AI model explainability and e-KYC disclosure practices.

    From Hype to Hesitation: A Longitudinal Analysis of User Sentiments towards AI‑Enabled Fintech Lending Platforms · 2026 · DOI

Most-cited papers in FinTech, Crowdfunding, Digital Finance

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358 open questions have been extracted from the limitations and future-work passages of 1,374 FinTech, Crowdfunding, Digital Finance papers in our library. Each one below links back to the study that raised it, so you can read the original claim in context.

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