Artificial intelligence is reshaping fintech by enabling smarter, faster, and more secure financial services. AI-driven solutions enhance fraud detection, automate risk assessment, and personalize customer interactions. Machine learning algorithms analyze vast amounts of financial data to improve credit scoring, optimize investment portfolios, and detect fraudulent transactions in real time. AI in fintech robo-advisors assist investors by providing automated wealth management solutions based on predictive analytics. Additionally, conversational AI enhances customer service in digital banking by offering 24/7 virtual assistants. With advancements in deep learning and blockchain integration, AI in fintech drives innovation, increases efficiency, and reduces operational costs. As financial institutions embrace AI, the future of fintech promises enhanced security, transparency, and accessibility.