Senior Software Engineering Manager, Huntington National Bank, United States

Title of the Talk :
AI-Driven Smart Contracts: A Conceptual Framework Emerging from Systematic Review of Blockchain-Machine Learning Integration in FinTech

Abstract of the Talk:
In the era of digital finance, regulatory reliability and transactional trust are being redefined by artificial intelligence. Traditional financial contracts—built on static rules—struggle to adapt to the speed, complexity, and interdependence of global digital ecosystems. This keynote presents a novel architecture where AI-driven smart contracts act as self-learning, self-auditing financial instruments that continuously evolve through data-driven intelligence.

Building upon the framework introduced in Pushpalika Chatterjee’s publication “Smart Contracts and Machine Learning: Exploring Blockchain and AI in FinTech” (Indian Journal of Science and Technology, 2025), the session explores how machine learning models can dynamically enforce financial regulations, detect anomalies, and adapt compliance rules in real time. Through the fusion of predictive analytics, blockchain transparency, and automated contract execution, the architecture establishes a new paradigm of intelligent governance—transforming regulatory compliance from a manual post-process into an embedded, autonomous layer within financial infrastructure.

The keynote further discusses industry-tested implications, including fraud mitigation, liquidity optimization, and algorithmic auditability. It introduces a roadmap for FinTech 4.0, where AI, blockchain, and federated systems collaborate to create cross-border financial ecosystems that are trustworthy, explainable, and continuously self-improving..

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