2025, Vol. 8, Issue 2

author(s)
Sowmya N and K Nirmala

abstract
There is a speedy integration of FinTech in the stock market, which has altered the means of payment and settlement by making it amazing and reliable. Fintech bridges the gap that exist in traditional processes by facilitating automation, transparency, and real-time processing to strengthen the market environment. The objectives of the study include, examining the implication of FinTech in improving the efficiency of the transaction operations in the equity market, evaluating the impacts of FinTech integration on the payment and settlement systems, exploring the opportunities that FinTech presents for the improvement of equity markets. A structured questionnaire was administered to the respondents with a total of 217 respondents which encompassed both institutional and individual investors. Furthermore, in line with this purpose, the stratified and judgmental selection is applied in a way to ensure that diverse stakeholders with practical experiences on the application of FinTech to equity transactions are included. Percentage analysis is used to illustrate the response distribution and frequency and to indicate the key areas of concern and perceived opinions of the participants. Factor analysis is applied to extract factors for the discovery of latent factors or dimensions and checking for co-linearity is done. Regression analysis is undertaken to analyse the impact of FinTech on the level of resilience and efficiency of equity markets. Findings conclude that the application of AI -driven FinTech solutions is capable of bringing about significant changes in the efficiency of the cycles of settlement, operation risks, and system’s transparency in enhancing the user experience. The study also explores the potential opportunities to expand the equity market by attracting more investors through adopting for technological inventions.