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About the Journal

The American Journal of Financial Technology and Innovation (AJFTI) is an open-access and double-blind peer-reviewed international journal on a diversity of themes linked with financial technology (Fintech), published three times a year by E-Palli Publishers. AJFTI offers an international academic forum for exchanging scholarly findings across the fields related to financial innovation in the age of electronic business. It seeks to encourage interactions among academic scholars, policy-makers, and practitioners. It further fosters research ideas on financial innovations in regard to new financial instruments and new financial technologies, markets, and institutions. The AJFTI reviews papers within the shortest possible time of submission and publishes accepted articles on the internet immediately upon receiving the final versions.

ISSN: 2996-0975 (Online)

Aim & Scope
The world of the economy is changing vividly as technology enables and introduces new paradigms. Similarly, the financial sector such as banking, insurance, investment, and credit analysis are all undergoing transformational changes, and even the basic concept of money is no longer the same as traditional money. AJFTI aims to provide theoretical, analytical/empirical analyses of Fintech/financial technology, new research approaches, and questions. We invite researchers to submit their original research manuscripts, including case studies, reviews of literature or expanded pre-existing research. AJFTI focuses on both theoretical and empirical analyses of the interaction between finance and technology. It offers a publishing platform to advance the academic and professional innovations of cutting-edge technologies integrated into the products and services of the modern financial services sector, such as financial systems, technologies, and applications. All articles are reviewed quickly, professionally copyedited, and checked for similarity to avoid plagiarism for quality and faster publication.

Frequencies of publication
One issue in a year while it accepts articles throughout the years and publishes online immediately after receiving the final version from the author.

Area of publication
AJFTI covers all active areas of fintech innovation that revolve around but are not limited to
◉ Blockchain in finance
◉ Cryptocurrency
◉ Bitcoin
◉ Digital currency and cash
◉ Smart contracts
◉ Robo-advisors
◉ Open or digital banking
◉ InsurTech
◉ RegTech
◉ AI, Machine learning in finance and business
◉ Business analytics
◉ Fintech models
◉ Sustainability in Fintech
◉ New developments and applications
◉ Crowdfunding
◉ Mobile payments and trading
◉ And other evolving areas.

Current Issue

Vol. 3 No. 1 (2025): American Journal of Financial Technology and Innovation
					View Vol. 3 No. 1 (2025): American Journal of Financial Technology and Innovation
Published: 2025-12-30

Research Articles

  • Popularity of Mobile Transaction Services in the Banking Sector

    Aisha Badawi Abdelrhman
    23-31
    DOI: https://doi.org/10.54536/ajfti.v3i1.3807
  • Influence of Digital Advertising on Sales Case: Water Home Express Canoa

    Frank Angel Lemoine Quintero, Fernando Jose Hernandez Demera
    32-40
    DOI: https://doi.org/10.54536/ajfti.v3i1.3940
  • Research on the Path of Enterprise Economic Innovation and Development under the Background of Digital Economy

    Changxia Mu, Fuqiang Guo, Polonik Irina Stepanovna
    7-13
    DOI: https://doi.org/10.54536/ajfti.v3i1.3994
  • The Nexus between Personality Traits and Financial Self-Efficacy of College Students

    Lady Bea Tejano, Jamaine Rafaella Larracochea, Ashly Mae Pardillo, Byrel Nicole Lanzaderas, Ralph Joe Dologuin, Christian Enad, Mark Joshan Veyra, Mark Joel Ortiz, John Harry Caballo, Dianne Mariz Nacua Obenza-Tanudtanud
    41-46
    DOI: https://doi.org/10.54536/ajfti.v3i1.3926
  • Socioeconomic Impact Assessment of Caritas Nairobi Self Help Programme: Ruiru Fund Self Help Group Programme

    Boniface Mbugua Kabue
    47-58
    DOI: https://doi.org/10.54536/ajfti.v3i1.3298
  • Impact of Risk Perception, Overconfidence Bias and Loss Aversion on Investment Decision-Making

    Manoj Kumar Chaudhary
    14-22
    DOI: https://doi.org/10.54536/ajfti.v3i1.4061
  • Research on the Development Direction of the Industrial Economy Under the Background of the Digital Economy

    Fuqiang Guo, Changxia My, Zubritskaya Inessa Anatolyevna
    1-6
    DOI: https://doi.org/10.54536/ajfti.v3i1.3976
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