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@article{184073,
        author = {Ilakiya Ulaganathan},
        title = {NAVIGATING REGULATORY COMPLIANCE CHALLENGES IN THE EVOLVING FINTECH LANDSCAPE},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {4},
        pages = {1170-1179},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=184073},
        abstract = {The rapid change in financial technology has transformed how financial services are delivered and consumed, thus with innovation, inclusion, and competition standing atop the global economy. On the other hand, a rapid evolution created compliance hazards since organizations now must function within disinfected legal frameworks, the nebulous standards of data governance, and fear of vague expectations of risk. The study deals primarily with areas of regulation affecting fintechs such as AML, KYC, data protection, cybersecurity, and consumers, highlighting the inconsistencies and pressures that fintech firms face across jurisdictions. It then ventures into RegTech and how RegTech can alleviate the pain of compliance through automation, artificial intelligence, and blockchain-powered approaches. Through examining global cases and comparing different regulatory regimes, the paper highlights primary compliance risks and operational constraints, particularly for startups. Further down the road of regulatory innovation, it charts a horizon for harmonization and supervisory technology (SupTech) and makes policy recommendations for regulators, fintechs, and investors, thus creating conditions for sustainable innovation without putting resilience at risk.},
        keywords = {Fintech, Regulatory compliance, AML/KYC, Data protection, Cybersecurity, RegTech, Financial regulation},
        month = {September},
        }