Neurogenetic Tools for Fintech

The main subject of the article is the analysis of the problems of development and implementation of Fintech technologies in the context of ideology and innovation DeFi (Decentralized Finance), which are caused by accelerating digital economy growth under the influence of blockchain technologies. (AI), incl. neurogenetic instruments. The specifics of the retrospective of the epochs of industrial evolution are described together with the stages of development of financial technologies based on the development of the so-called Fintech for Sustainable Development (FT4SD) drivers. The instrumental basis of FT4SD in the form of a triad of blockchain, AI and IoT, which create a synergetic effect of "decentralized finance", generating, in fact, unlimited investment resources for technological innovation of the digital economy within the processes of sustainable development. The representation of FT4SD drivers in the form of a double helix symbolizes the introduction of neurogenetic tools for the implementation of blockchain and IoT. In the presence of a crisis economic situation in the world in general and in Ukraine in particular, a positive result of supporting "decentralized finance" is shown, which with the use of neurogenetic tools for Fintech are able to ensure optimal decision-making and stable growth of the digital economy.

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