The Journal of Financial Technology and Innovation (JFTI) is an international scholarly journal dedicated to advancing research on financial technologies and their transformative impact on financial services, user engagement, and value creation. The journal examines how innovations such as digital payments, artificial intelligence, blockchain, embedded finance, and platform-based financial systems reshape the design, delivery, and experience of financial services. JFTI emphasizes the integration of technological innovation and user-centered dynamics, recognizing that financial technologies succeed when technical advancement aligns with trust, adoption, strategic positioning, and sustainable growth. The journal welcomes rigorous conceptual and empirical studies that explore innovation processes, behavioral responses, experience design, ecosystem development, and governance challenges within digital financial environments.

JFTI also promotes research on responsible financial innovation, including transparency, data protection, algorithmic accountability, regulatory adaptation, and financial inclusion.

Topics

The Journal if Financial Tecnology and Innovation focuses on phenomena emerging from the development, implementation, and evolution of financial technologies. Submissions should clearly articulate their constribution to understanding tecnological in financial services while examining its strategic, behavioral, and value implications. Relevant topics include, but are not limited to:

• Digital payment system and infrastructure
• Artificial intelligence in financial services
• Blockchain and distributed ledger applications
• Embedded finance and integrated financial services
• Digital banking transformation
• Open banking and API ecosystems
• Robo-advisory and automated financial solutions
• RegTech and supervisory innovation
• Adoption of financial technologies
• Trust formation in digital financial services
• Risk perception and security concerns
• User engagement in financial platforms
• Behavioral responses to financial innovation
• Financial technology acceptance and continuance
• Technology resistance and switching behavior
• Digital financial experience design
• Personalization in financial services
• Customer journey in financial applications
• Data-driven value creation in financial ecosystems
• User-centered innovation in financial technology
• Service transformation in digital finance
• Financial service branding and legitimacy
• Platform-based financial ecosystems
• FinTech growth and scaling strategies
• Competitive dynamics in financial innovation
• Ecosystem governance and coordination
• Business model innovation in financial technology
• Network effects in financial platforms
• Strategic positioning in digital finance
• Responsible financial innovation
• Data privacy and cybersecurity in financial services
• Algorithmic fairness and transparency
• Financial inclusion through technology
• Consumer protection in digital finance
• Regulatory frameworks and compliance innovation
• Sustainability and long-term value in financial ecosystems

Journal Peer Review Process

Journal of Financial Technology and Innovation peer review process are the following: 

1. Manuscript Submission
   Authors submit manuscripts via the JFTI online system and receive an acknowledgement with a unique manuscript ID. At submission, all manuscripts must comply with JFTI Author Guidelines for structure, formatting, and referencing style, and authors must confirm the work is original, unpublished, and not under review elsewhere.
   
   

2. Submission Requirements and Compliance Verification
   The editorial office verifies that author and manuscript metadata are complete, including full names, affiliations, emails, title, abstract, keywords, and recommended ORCID, as well as funding information (if any) and a conflict-of-interest statement. The office also checks that references are accurate and complete, including DOIs/URLs where available, and that all tables and figures are properly numbered, titled, cited in-text, and permissions are secured for any third-party material.

3. Similarity and Integrity Screening
   JFTI conducts a plagiarism/similarity screening and requires a similarity index of ≤ 15%, with improper copying and excessive overlap from any single source not permitted even if the overall percentage is low. Manuscripts that fail integrity checks may be desk rejected or returned for clarification where appropriate.

4. Initial Editorial Screening (Section Editor)
   The Section Editor evaluates alignment with JFTI aims and scope, assesses the manuscript’s novelty and scholarly contribution, and checks whether the theoretical framing and research design meet minimum standards for peer review. Submissions that are out of scope, methodologically weak, or noncompliant with core requirements may be desk rejected at this stage.

5. Assignment to Handling Editor
   Manuscripts suitable for review are assigned to a Handling Editor based on topic and methodological fit. The Handling Editor confirms absence of conflicts of interest, ensures anonymization for double-blind review, and identifies appropriate reviewers with relevant expertise.

6. Double-Blind Peer Review (Minimum Two Reviewers)
   The Handling Editor invites at least two external reviewers and administers a double-blind process in which both author and reviewer identities are concealed. Reviewers assess the rigor of theory and methods, validity of analyses, coherence of argumentation, contribution to strategy and sustainability scholarship, and the strength of managerial and policy implications.

7. Reviewer Recommendations
   Reviewers provide detailed reports and recommend one of four outcomes: accept, minor revision, major revision, or reject. Feedback is expected to be evidence-based and constructive, highlighting critical flaws, required improvements, and optional enhancements.

8. Editorial Evaluation and Decision
   The Handling Editor synthesizes reviewer reports, resolves discrepancies through editorial judgment, and issues a decision letter with a prioritized revision roadmap. Decisions are based on contribution, rigor, integrity, and journal fit, with clear expectations for revision and documentation.

9. Author Revision and Response
   Authors submit a revised manuscript along with a point-by-point response letter explaining how each reviewer and editor comment was addressed, with precise references to revised sections. Revisions must directly resolve mandatory issues and provide reasoned justification for any recommendations not adopted.

10. Editorial Check and/or Re-Review
    Minor revisions may be verified by the Handling Editor without returning to reviewers, while major revisions are commonly re-sent to reviewers to confirm that substantive concerns have been adequately resolved. Additional rounds may proceed until the manuscript meets JFTI standards or is rejected.

11. Final Decision (Editor-in-Chief and Editorial Board)
    The Editor-in-Chief, supported by the editorial team as needed, makes the final decision based on reviewer input and editorial assessment of quality, originality, and compliance. The final decision prioritizes methodological credibility, ethical integrity, and a clear contribution to business strategy and sustainability.

12. Copyediting, Production, and Publication
    Accepted manuscripts undergo copyediting for clarity and consistency, followed by layout/typesetting and final metadata checks, including references and DOI/URL completeness where available. Authors review proofs for typographical and formatting corrections, after which the article is formally published with disclosed dates (received, revised, accepted, published) and integrated into the journal’s publication record.