Analysis, the authors examine the opportunities and threats using the keyword search option of the SCOPUS database. The research shows a significant shift towards the adoption of technological innovations, especially artificial intelligence and fintech solutions. Collaboration patterns indicate a multidisciplinary approach, but in the process, opportunities for efficiency gains and value-added services are identified as well as challenges and threats. It is important for researchers to stay current. This highlights the need for professionals to proactively adapt to mitigate technological risks.