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@article{195816,
        author = {Deepu B and Dr.k.krishna kumar},
        title = {Fin Tech’s Influence on Monetary Policy: A New Era of Economic Regulation},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {11},
        pages = {2357-2361},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=195816},
        abstract = {The conventional financial environment has been fundamentally changed by the rapid growth in development of financial technology, or FinTech, which has brought about innovative and creative solutions that improve customer experience, affordable, and speed transactions. This research paper identifies and highlights the advantages and disadvantages of introducing digital financial improvements in FinTech and monetary policy, the increasing of decentralized finance (DeFi), digital payments, and cryptocurrencies has made difficulties in the execution of policies by decline central banks' capacity to keep an eye on and manage liquidity. Traditional interest rate transmission mechanisms are avoided by alternative lending channels established through peer-to-peer lending and DeFi platforms. Nonetheless, FinTech presents forecasts for augmenting the efficacy of monetary policy via AI-driven financial models, big data analytics, and Central Bank Digital Currencies (CBDCs).  As FinTech develops further, central banks will need to modify their regulations to meet emerging liquidity issues while making sure that innovation is in link with goals for economic stability.},
        keywords = {financial technology, digital payment, central government},
        month = {April},
        }