Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)

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Analysis of the Impact of Financial Technology on Fraud Behavior

Authors
Boyang Chen1, Fangfei Liu2, Ziye Zhang3, *
1School of Accounting, Southwestern University of Finance and Economics, Chengdu, Sichuan, China
2School of Finance, Southwestern University of Finance and Economics, Chengdu, Sichuan, China
3SILC BUSINESS SCHOOL, Shanghai University, Shanghai, China
*Corresponding author. Email: zzy23901111@shu.edu.cn
Corresponding Author
Ziye Zhang
Available Online 17 September 2025.
DOI
10.2991/978-94-6463-835-6_19How to use a DOI?
Keywords
Financial Technology; Fraud Behavior; Artificial Intelligence; Machine Learning
Abstract

With the rapid development of financial technology (FinTech), the financial system has enhanced transaction efficiency and convenience, while also bringing more complex risk challenges, especially the continuous evolution and increasing concealment of financial fraud methods. Traditional manual review and risk control methods are gradually revealing their limitations in dealing with these new types of fraud, failing to meet the demands of the modern financial environment. This study, through a comprehensive review of relevant literature, examines the application of technologies such as artificial intelligence (AI), machine learning (ML), and blockchain in financial fraud detection. It is found that these technologies significantly improve the accuracy, efficiency, and model interpretability of fraud detection, and have a positive impact on the security of enterprises and individuals. However, the research also indicates that these technologies still face challenges in data quality, real-time performance, and adaptability. Moreover, although the development of FinTech has provided fraudsters with new means of committing crimes, the ability to combat fraud can be effectively enhanced through technological innovation and institutional improvement. In the future, it is necessary to strengthen international cooperation and information sharing to build a global anti-fraud network, ensuring the healthy development of FinTech.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
17 September 2025
ISBN
978-94-6463-835-6
ISSN
2352-5428
DOI
10.2991/978-94-6463-835-6_19How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Boyang Chen
AU  - Fangfei Liu
AU  - Ziye Zhang
PY  - 2025
DA  - 2025/09/17
TI  - Analysis of the Impact of Financial Technology on Fraud Behavior
BT  - Proceedings of the 2025 3rd International Academic Conference on Management Innovation and Economic Development (MIED 2025)
PB  - Atlantis Press
SP  - 164
EP  - 172
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-835-6_19
DO  - 10.2991/978-94-6463-835-6_19
ID  - Chen2025
ER  -