“…Peer-to-peer blockchain networks, decentralized financial systems, and virtual asset and financial data management (Almansour, 2023;Jareño & Yousaf, 2023;Lisha et al, 2023) enhance digital credit products and services, asset trading and monetization, and banking experiences (Babaei et al, 2023;Ha, 2023;Thomas et al, 2023) through cryptocurrency adoption and metaverse wallets. Generative AI and machine learning algorithms enable transaction and authorization processing, personalized financial advice, automated loan approvals, and seamless mobile banking (Campanella et al, 2023;Rjoub et al, 2023), improving operational efficiency in relation to customer profiling, credit and transaction history, lending practices, and spending patterns (Ahelegbey et al, 2023;He et al, 2023;Sharma et al, 2023b), flagging financial crime, fraud patterns, and risky investments through data management techniques (Gonçalves et al, 2023;Su & Xu, 2023;Tan et al, 2023).…”