Building Resilient Fintech Ecosystems: Integrating Symbiotic AI and Quantum - Adaptive Cryptography

Karl Kiam, Arnaud Tsombeng

Abstract: The rapid evolution of financial technology (fintech) has created unprecedented opportunities for financial inclusion, efficiency, and innovation. However, it has also introduced complex, systemic risks that demand a paradigm shift in how financial ecosystems are conceptualized and managed. This paper introduces a revolutionary framework that integrates symbiotic AI, quantum - adaptive cryptography, and complexity theory to build resilient fintech ecosystems. A multi - dimensional risk assessment model is proposed, leveraging fractal risk analysis, predictive resilience indicators, and adaptive ethical AI systems. Through interdisciplinary case studies and novel methodologies, this paper demonstrates how fintech platforms can achieve sustainable growth while addressing emerging challenges such as algorithmic bias, cybersecurity threats, and data sovereignty. The findings call for a holistic, forward - looking approach that balances innovation with accountability, ensuring a resilient financial future for all.

Keywords: fintech, symbiotic AI, quantum cryptography, risk management, ethical AI