Governing digital finance in cyberspace: An integrated review of cyber resilience, trust, and responsible AI for sustainable economic development

Khezri, Seyed Alireza; Rezaei, Farzin

doi:10.22059/jcss.2026.419307.1269

Governing digital finance in cyberspace: An integrated review of cyber resilience, trust, and responsible AI for sustainable economic development

Articles in Press

Document Type : Original article

Authors

Seyed Alireza Khezri

Farzin Rezaei

Department of Accounting, Qa .c., Isalamic Azad university, Qazvin, Iran.

10.22059/jcss.2026.419307.1269

Abstract

Background: Digital finance is fundamentally restructuring global financial systems, yet governance frameworks remain fragmented and lag behind rapid technological change, exposing critical vulnerabilities in cyber resilience, digital trust, and responsible artificial intelligence.
Aims: This study addresses this gap.
Methodology: A systematic meta-synthesis of 30 peer-reviewed studies, including 24 studies published between 2025 and 2026 and six foundational theoretical or conceptual studies published between 2022 and 2024, integrating institutional theory and socio‑technical systems theory to develop a holistic governance framework were conducted.
Findings: The analysis reveals five interconnected dimensions: governance mechanisms, cyber resilience, digital trust, responsible AI, and sustainable economic development that are conceptually interdependent and mutually constitutive, suggesting a co‑evolutionary dynamic that is advanced here as a theoretical proposition for future longitudinal investigation. Key findings expose persistent tensions between state‑centric and multi‑stakeholder governance models, a significant implementation gap between responsible AI principles and operational practices, and a paradoxical relationship wherein digital financial inclusion may inadvertently undermine environmental sustainability.
Conclusion: The study advances theoretical understanding by extending institutional theory to cyberspace governance and highlighting the mutual implication of socio‑technical elements in digital finance a co‑evolutionary dynamic that we propose for future empirical testing. Practically, it provides actionable insights for policymakers, regulators, and financial institutions to align technological innovation with resilience, trust, and sustainability objectives. This integrated framework offers a robust foundation for future research on adaptive governance in increasingly complex digital financial systems, emphasising the necessity of cross‑sectoral coordination and context‑sensitive policy design.

Keywords

cyber resilience

digital finance governance

digital trust

responsible artificial intelligence

Socio technical systems

Sustainable Development Goals (SDGs)

Subjects

computer science & technology

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