I. Introduction
The beginning of Finance 4.0 has accelerated the transformation of the financial services sector, a paradigm fuelled by technological development and increased automation in the finance industry. Modern digital technologies considerably change traditional financial structures in this fast-paced era. The latest technological breakthroughs, including artificial intelligence, blockchain, and robotic process automation, are changing the core of financial operations in “Finance 4.0 ”. This advancement, which goes beyond incremental modifications, depicts the fundamental shift towards more automated, interconnected, and intelligent financial systems.