Blockchain is a new approach to managing and monitoring financial and other transactions. In this article, the idea is to draw a rough sketch of an inflated scenario of

  • How may fintech and blockchain interact with us in the future?
  • How does this combo warrant, or perhaps mystify, the two superpowers?

Blockchain and Bitcoin are not the same, as assumed by a large population to date. Blockchain is the underlying technology for many crypto currencies, and Bitcoin happens to be the first one. In a nutshell, crypto and blockchain are closely related, but they are not the same thing. We are about to enter the new era of blockchain, i.e., blockchain 4.0.

FinTech Intelligence with Blockchain as a backbone

A strong, robust, intelligent, and secured innovation hub or powerhouse lab with smart setup and built-in artificial intelligence is the key success factor of today’s technology business. Without such efforts, it would appear like joining blocks without reference to the previous block.


What is blockchain (Fintech) and why Google and Facebook could be the banks of the future? To put it succinctly “Blockchain is a digital ledger in which transactions are made in bitcoin or in any cryptocurrency”. These are usually called “public blockchains.” The private and consortium blockchains are more relevant to FinTech. Frameworks like Hyperledger and Corda are quite suitable for FinTech businesses.

The term blockchain is most often used to explain distributed ledger technology with some extra toppings, i.e., being underpinned by cryptography and having some form of consensus mechanism. In other words, it’s innovations that depict the rapid pace and wide scale of change that technology has introduced to finance as succinctly as Bitcoin. Fintech is anyway getting demystified with the help of AI’s subset, machine learning, but Bitcoin has already stepped ahead and defined fintech in a nice manner.

AI forms its own team (which has a negative and positive impact) on the fly with a combination of hardware, software, infrastructure, and machine learning training programs. The purpose is to organize and facilitate planning, control, coordination, and decision-making in an organization.

This process happens at any time or many times for various tasks. Blockchain is there to transform financial services as a disruptive technology with the ability to transform any traditional financial business.

Blockchain a Powerful Tool for Businesses

The future of computing will have extraordinary capabilities, with expected factoring of a 3,000-digit number (40 power to 10) faster than today. Blockchain has powerful tools for businesses, like smart contracts. Be careful: smart contracts are neither smart nor a contract; they are just digital triggers based on some programs (software codes). These triggers have the job of automating the execution of business logic, obligations, and agreements. Algorithms that can learn from data to describe the data and predict outcomes for unseen data are useful for addressing complex problems.


Google uses its algorithms to index web pages in a way that provides a near-seamless service to anyone who wants to locate content on the web. In return, it asks for the right to collect and record information on your browsing history.

Which it uses to provide a better understanding of the content that users want to see on the web. Feeding this information back into Google Search and improving its search engine service in the process. This also helps its customers sell you better-targeted advertising based on the customer profile it builds upon you with the data it collects.

AI’s control systems are widely used in our day-to-day lives, like Siri, Cortana, etc., at a narrow intelligence level. Have you noticed how a simple thermostat adapts to a target temperature?

Blockchain – A Blue Ocean Business Champ

Blockchain is a blue-ocean information technology database that would lead to several other important future applications at the expense of near-term earnings. Emerging markets are early adopters of new technologies, i.e., drones and 3D modeling, instead of on-site risk visits.

Refining existing and developing new risk services is key for both technologies and businesses to prepare jointly for the next industrial revolution. The growing interest in the blockchain phenomenon, defined at a high level as a secure way of leveraging nearly instantaneous transaction activity,

But the alternative, sprinkling a dash of innovation into the brain’s dust, may have been sufficient to check the planning-for-the-future box. Blockchain’s actions or goals are projected to exceed the financial vertical for a profound effect across the data sphere. It might make sense just to get some bitcoin in case it catches on. If enough people think the same way, that becomes a self-fulfilling prophecy.” Satoshi Nakamoto in 2009.

“Blockchain is the world’s leading software platform for digital assets. Offering the largest production blockchain platform in the world, we are using new technology to build a radically better financial system.” — These lines can be found on

Some applications of blockchains to AI are unexciting, like audit trails on AI models. The biometric authentication feature associated with mobile wallets is a great example of a promising feature that is still very far from basic security that can catch fraudsters with behavioral biometrics.

Blockchain and Data Management i.e DataIntelligence

Blockchain matters to the practicalities of data management, and it provides the foundation for bitcoin, which is a mind game and a result of a well-thought process cooked with ingredients like artificial intelligence (ANI and AGI), machine learning (blended with deep learning), and their components. Conceivably, the first and most straightforward element needed for thinking is a memory.

For blockchain computational purposes, it can be articulated that each memory is a discrete unit and that these discrete units are encoded and stored somewhere. Unlike computational intelligence and metaheuristics (problem-independent techniques), solutions often take a long time to find the best possible outcome. Its most eminent application could very well be provisioning a prototype for security measures to truly fortify the IoT.

A decentralized autonomous organization (DAO) is a process that manifests these characteristics. It’s a code that can own stuff. The self-driving car is an excellent example of this. What if you used blockchain to store the state of the machine? The key move for blockchain-enabled thinking is that instead of having just one instance of memory, there could be arbitrarily many copies of that memory, just as there can be many copies of any digital file.

FinTech powered with Blockchain and AI – The new Magic

With AI power to enable security features of mobile payments, the technology could gain traction in other areas of B2B payments and escalate blockchain to generalize any previous application of AI, but now the AI “owns itself”. We might have a future where humans own nothing; we’re just renting services from AI DAOs. Blockchain technology could transform AI in its own particular way. Some appear almost unreasonable, like AI that can own itself. AI DAOs.

All of them are opportunities. As such, machine learning methods are used in applied computer science fields such as data mining, also known as knowledge discovery in databases (KDD), and data science.

There’s no single answer to this without end-to-end architectural analysis. The AI and blockchain combination is explosive! Blockchain technologies It can help realize some long-standing dreams of AI and data analysis work and open up several opportunities. Let us open a discussion on this and build some intelligence around it. It’s time money caught up. Digital assets, like bitcoin and ether, allow users to transact directly without any third-party intermediaries.

Points to Note:

All credits, if any, remain with the original contributor only. We have covered some high-level engagement on blockchain and fintech in this post. In the coming weeks, blog posts will talk about each of these emerging bundles in detail. Welcome to the future of payments. Views here are from many of my friends, colleagues, and reading through the web.

Books & Other Material Referred

  • Research through open internet, news portals, white papers and imparted knowledge via live conferences & lectures.
  • Lab and hands-on experience of  @AILabPage (Self-taught learners group) members.

Feedback & Further Question

Do you have any questions about Deep Learning or Machine Learning? Leave a comment or ask your question via email. Will try my best to answer it.

Sign-tConclusionIts development may follow different directions. Through different security threats. However, which is the best direction? The answer lies in the analysis of future technologies development within the 3GPP framework (for telecom), FinTech, AI and AGI, Machine Learning and Deep Learning, and Threat Intelligence, coupled with an evaluation of the driving factors and key capabilities required by convergent systems and requirements.

======================= About the Author =================================

Read about Author  at : About Me   

Thank you all, for spending your time reading this post. Please share your feedback / comments / critics / agreements or disagreement.  Remark for more details about posts, subjects and relevance please read the disclaimer.

FacebookPage                Twitter                          ContactMe                          LinkedinPage    ==========================================================================

Posted by V Sharma

A Technology Specialist boasting 22+ years of exposure to Fintech, Insuretech, and Investtech with proficiency in Data Science, Advanced Analytics, AI (Machine Learning, Neural Networks, Deep Learning), and Blockchain (Trust Assessment, Tokenization, Digital Assets). Demonstrated effectiveness in Mobile Financial Services (Cross Border Remittances, Mobile Money, Mobile Banking, Payments), IT Service Management, Software Engineering, and Mobile Telecom (Mobile Data, Billing, Prepaid Charging Services). Proven success in launching start-ups and new business units - domestically and internationally - with hands-on exposure to engineering and business strategy. "A fervent Physics enthusiast with a self-proclaimed avocation for photography" in my spare time.


  1. Good information to researchers sir .


  2. Mobile Money Experts at

    Usefull information thank you spening your time for sharing


Leave a Reply