Bibliometric Analysis: Emerging Risks in the Fintech Era for Digital Banks

Granting digital banks license to operate in the financial services sector has brought different perspectives on the future of banking. Undoubtedly, innovative technologies have been pivotal to the dynamic and evolving financial sector`s ecosystem. Despite this, emerging risks continue to pose threats in addressing financial stability and consumer protection regulation mandates. To better appreciate emerging risks associated with banking environment in the fintech era, three theories were adopted. Utilizing Scopus database, the study carefully mapped existing literature which identified key themes, authors, and emerging risks in the era of fintech-driven digital banking and banks. Findings revealed growth in risk management aspects related to blockchain, digitalization, and cybersecurity. Additionally, highlighting the necessity of improved risk mitigation frameworks, such as blockchain for safe transactions, AI-driven fraud detection, along with robust regulatory compliance processes. This study provides foundation on which robust risk management framework customized to digital banking existence can be developed in the face of emerging risks.