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Original Article | Volume 2 Issue 4 (ACR, 2025) | Pages 3165 - 3175
A Comparative Study of Regulatory Approaches to Fintech in India and Global Markets
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 ,
1
Research Scholar, Jagan Institute of Management Studies, Technical Campus, Sector-5, Rohini, Delhi, 110085.
2
Professor, Jagan Institute of Management Studies, Technical Campus, Sector-5, Rohini, Delhi, 110085.
Under a Creative Commons license
Open Access
Abstract

The rapidly evolving financial technology (Fintech) sector has undeniably become a critical driver of financial innovation and profound economic transformation on a global scale with regulatory frameworks playing a pivotal role in shaping its trajectory. This research presents a comprehensive comparative analysis of the regulatory frameworks governing Fintech in India and key international markets, with a specific focus on understanding the nuanced approaches to technological innovation, consumer protection, and financial stability. By systematically examining the regulatory ecosystems of India alongside leading Fintech markets such as the United States, United Kingdom, Singapore, and China, the study offers an in-depth exploration of regulatory strategies, challenges, and opportunities. The research delves into the complex interplay between regulatory mechanisms, technological advancement, and market development, providing critical insights into how different jurisdictions balance innovation with risk mitigation, this study aims to provide valuable insights for policymakers and stakeholders. By bridging academic research with policy insights, this study contributes to the ongoing discourse on effective Fintech regulation, offering a nuanced perspective on how regulatory approaches can be optimized to foster innovation, protect consumer interests, and maintain financial system integrity

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