Fintech has emerged as a transformative force in the development of digital banking which facilitating innovation, efficiency, inclusion, and it also creating new regulatory and security risks. This study performs bibliometric analysis of fintech and digital banking published from 2016 to 2024. Utilizing 340 Scopus-indexed articles, the analysis utilized VOSviewer, Bibliometrix-R and Microsoft Excel with mapping approach for publication and citation trends, leading authors, institutions, countries, articles and journals, and visualize intellectual connections through citation, co-citation, bibliographic coupling, and keyword co-occurrences networks. The results illustrate exponential growth with respect to research outputs with specific increase from 2021, placing dominance in contributions from the USA, China, India and UK. The article identifies themes such as fintech for sustainable finance and inclusion within regulatory frameworks, Mobile services as the foundation of digital transformation and access, Trust and behavior as drivers of digital banking adoption, Innovation and ecosystems enabling fintech competitiveness, and Crypto currencies and blockchain as disruptive yet risky innovations. Citation analysis also illustrates that early foundational studies are still widely cited, whereas more recently cited works cover financial technology, consumer protection, and ecosystem resilience. This study provides a broad summary of the intellectual basis for research on fintech and digital banking. It summarizes salience, influential studies, and indications of underexplored topics that might be fruitful for future research, thereby offering a pathway for subsequent research for academics, practitioners, and policy-makers to consider when seeking to balance innovation and inclusiveness, trust and transparency, and oversight in the digital financial ecosystem.

Fintech, Digital Banking, Financial Inclusion, Financial