Bibliometric mapping of research on artificial intelligence applied to fintech and financial stability (2018–2024)

Abstract

This article presents a bibliometric analysis of academic research on the integration of artificial intelligence (AI) into fintech and its implications for financial stability. Based on a corpus of 145 publications indexed in Scopus between 2018 and 2024, the study highlights the rapid yet fragmented growth of the field. Results identify four main axes: AI and machine learning as technological drivers, fintech as a conceptual pivot, stability and risk management as central concerns, and inclusion and regulation as normative horizons. Co-authorship and co-citation networks reveal institutional and geographic dispersion, confirming that the domain remains in an early stage of development. The analysis underscores both the opportunities of AI-fintech—innovation, inclusion, and enhanced supervision—and the risks of instability and theoretical fragmentation. It concludes by suggesting directions for future research on generative AI, central bank digital currencies, and green fintech.