Book

FinTech Disruption in Traditional Banking offers a comprehensive scholarly examination of how financial technology is reshaping banking institutions, individual financial behaviour, and regulatory frameworks. Moving beyond technology adoption narratives, this book adopts an integrated institutional–behavioural perspective to explain the structural, cognitive, and policy-level transformations driven by digital finance. The book critically analyses how traditional banks respond to FinTech-led disruption through strategic adaptation, platform innovation, and institutional realignment. At the behavioural level, it explores how FinTech platforms influence financial literacy, risk perception, trust formation, and investment decision-making among users. By linking institutional strategies with behavioural outcomes, the book highlights how digital architectures function as latent behavioural interventions, shaping financial choices in subtle yet powerful ways. Drawing on established theories of technology acceptance, behavioural finance, and financial intermediation, alongside recent empirical evidence from emerging markets, the book develops a unified analytical framework that captures feedback loops between institutions, users, and regulators. Particular attention is given to financial inclusion, digital capability development, and regulatory alignment in rapidly digitising economies. Designed as a research monograph, this book will be of value to scholars, doctoral researchers, policymakers, regulators, and financial practitioners seeking a deeper understanding of FinTech-driven transformation. It provides conceptual clarity, empirical insight, and policy-relevant analysis for navigating the evolving digital financial ecosystem.