Publication Details
Abstract
This article examines how technological breakthroughs, particularly blockchain and artificial intelligence, are transforming crowdfunding within the context of the digital transformation of financial markets. Special attention is paid to the role these technologies play in shaping the modern crowdfunding environment. The study demonstrates that the use of smart contracts, big data analytics tools, and digital identity systems enhances transparency, reduces investor risks, and strengthens trust among platform users. The paper explores the evolution of crowdfunding from traditional collective financing to decentralized financial models such as Web3, decentralized finance (DeFi), asset tokenization, and decentralized autonomous organizations (DAOs). It is emphasized that the integration of fintech solutions is creating a new investment paradigm based on automation, decentralization, and digital infrastructure. The article concludes that the future development of crowdfunding will depend directly on technological advancements and their integration into financial ecosystems.