Exploring the Convergence of Cybersecurity, Fintech and Artificial General Intelligence: Innovations and Implications
Paulin Kamuangu · Abhigyan · 2025
The convergence of cybersecurity, financial technology (fintech) and artificial general intelligence (AGI) signifies a major transformation in how digital financial ecosystems operate and are protected. This article critically examines the intersections of these domains and their effects on risk detection, data governance and the delivery of financial services. By synthesising existing literature, empirical data and case-based insights, the study investigates the opportunities and threats arising from the integration of AGI into fintech environments. It also evaluates the effectiveness of current cybersecurity strategies in addressing algorithmic threats and regulatory gaps. The findings indicate that while AGI enhances operational efficiency and threat detection, it also introduces new ethical, technical and governance challenges. This study provides a framework for navigating these complexities and urges stakeholders to adopt adaptive regulatory strategies and interdisciplinary collaboration to ensure security, innovation and trust in the digital financial ecosystem era.