• Ajoe Antony
• Dr. Shakuntla Jain,

ABSTRACT This study explores the rapid development of financial technology (FinTech) and regulatory technology (RegTech) ecosystems in the United Arab Emirates (UAE) and India. By comparing these two emerging markets, the analysis highlights their unique approaches to technological innovation, regulatory frameworks, challenges, and future prospects. The UAE pursues a government-led, policy-driven path, while India follows a grassroots, inclusion-oriented model. Both have made significant progress, though challenges such as fragmented regulation, infrastructure gaps, and data governance remain. The study concludes with policy recommendations and areas for future research to further strengthen digital financial ecosystems.

Financial technology, Regulatory technology

"COMPARATIVE ANALYSIS OF FINTECH AND REGTECH ECOSYSTEMS IN THE UNITED ARAB EMIRATES AND INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 7, page no.f651-f659, July-2025, Available :http://www.jetir.org/papers/JETIR2507569.pdf

"COMPARATIVE ANALYSIS OF FINTECH AND REGTECH ECOSYSTEMS IN THE UNITED ARAB EMIRATES AND INDIA", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 7, page no. ppf651-f659, July-2025, Available at : http://www.jetir.org/papers/JETIR2507569.pdf