| 总结: | Blockchain technology is now a useful tool that FinTech organizations use to increase transparency, optimize activities, and seize new possibilities. This research explores blockchain applications within the FinTech sector. This study systematically explores blockchain applications within the FinTech sector by 164 peer-reviewed articles, utilizing the Preferred Reporting Items for Systematic Reviews and Meta-Analyses (PRISMA) framework. The review identifies eleven applications, such as smart contracts, financial inclusion, crowdfunding, digital identity, trade finance, regulatory compliance, insurance, asset management, investment, banking, and lending. A mixed-method strategy, combining quantitative and qualitative content analysis, was applied to examine the adoption and impact of blockchain across these subdomains. It further discusses current challenges such as regulatory ambiguity, interoperability limitations, and cybersecurity threats. This paper provides a consolidated framework of blockchain’s actual application in FinTech subdomains and identifies the main gaps in the existing literature. These results have practical implications for practitioners, researchers, and policymakers who seek to harness blockchain for achieving financial innovation and inclusive growth.
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