The rapid expansion of Financial Technology (FinTech) solutions has transformed financial service delivery in emerging economies by improving access, efficiency, and inclusion. Despite this growth, consumer trust remains a critical barrier to sustained adoption and engagement, particularly in contexts characterized by low financial literacy, regulatory uncertainty, data privacy concerns, and historical mistrust of financial institutions. Intelligent FinTech solutions—powered by artificial intelligence, data analytics, and automation—offer new mechanisms for enhancing transparency, personalization, and risk management, thereby influencing consumer trust and engagement.
This paper develops a conceptual framework to examine how intelligent FinTech systems contribute to trust-building and consumer engagement in emerging economies. The study synthesizes literature from FinTech innovation, trust theory, consumer behavior, and digital finance to identify key technological, institutional, and behavioral mechanisms that foster trust. By positioning intelligence not merely as a technological feature but as a socio-technical enabler of trust, the paper provides a foundation for future empirical research and policy design in inclusive digital finance..
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