Artificial Intelligence-Driven FinTech Valuation: A Scalable Multilayer Network Approach

The integration of Artificial Intelligence (AI) in the FinTech industry has substantially reshaped operational workflows, product innovation, and risk management, all of which influence company valuation. This study investigates the impact of AI-enhanced multilayer networks on FinTech valuation. Utilizing a novel scalable multilayer network model with AI-driven Copula Nodes, the research reveals that operational efficiency is a significant driver of market value. However, the findings emphasize the necessity of a balanced strategy that integrates AI across all operational layers, particularly in risk management and product innovation, to maximize valuation. This study offers a comprehensive framework that enhances understanding of AI’s complex role in FinTech valuation, providing critical insights for industry stakeholders.