Abstract
<jats:p>The integration of AI, ESG, and FinTech is reshaping risk management in digital finance. AI empowers FinTech platforms to analyze vast ESG datasets, identify sustainability risks, and enhance responsible investment decisions. As ESG considerations become central to financial services, AI tools such as machine learning, natural language processing, and predictive analytics help detect environmental, social, and governance threats. However, challenges like algorithmic bias, model opacity, and cyber risks must be addressed. A robust framework is proposed emphasizing ethical AI use, data governance, explainability, and adversarial risk detection. Real-world examples highlight how FinTech firms use AI to monitor carbon footprints, score social impacts, and ensure compliance. Emerging trends such as RegTech, blockchain for ESG tracking, and AI ethics guidelines signal a shift toward secure, transparent, and sustainable finance. Collaborative efforts are essential to build resilient and ESG-aligned FinTech ecosystems.</jats:p>