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Within a single generation, the work of finance has migrated from the ledger to the algorithm. Decisions once made by a loan officer's judgement or a trader's instinct are now shaped by machines that learn from data at a scale no human mind could hold. AI, Fintech, and the Future of Global Financial Systems is about that migration and the choices it conceals.

The same technology that widens opportunity in one market can entrench exclusion in another, and the difference, this book argues, is decided not by the technology but by the institutions, regulators and societies that deploy it. At its heart is an original Human-Centred Intelligent Finance framework: five pillars spanning data, institutions, regulation, ethics and societal outcomes, applied across twelve chapters that move from the rise of fintech and the fundamentals of artificial intelligence to algorithmic lending, trading, real-world case studies and the regulatory battles ahead.

Written for postgraduate students, researchers, finance professionals and policymakers, the book offers not only an explanation of how intelligent finance works, it also hands the reader a practical tool for judging it. Overall, the book addresses the question of whether this migration leaves people better informed, more fairly treated and genuinely better served.