Abstract

In recent years, the advancement of artificial intelligence (AI) has paved the way for deepfake technology—sophisticated AI-driven methods that manipulate audio and visual content to create convincing synthetic representations of real people. This journal explores the real-world implications and ethical challenges of deepfake technology in the financial technology (fintech) sector. It examines how these developments could impact fraud prevention, identity verification, and customer interactions, while also addressing the ethical considerations and regulatory frameworks needed to mitigate potential harms. The discussion is framed within the context of maintaining trust and security in financial services, offering a multidisciplinary perspective that spans technology, ethics, and regulation.