Blockchain, Big Data, and Artificial Intelligence (AI) are the driving forces behind the ongoing paradigm shift, which is defined by systemic change as opposed to incremental innovation. Although these technologies have been researched separately, they have a significant spillover effect when used together: big data improves the analytical skills of artificial intelligence algorithms, and blockchain establishes a framework for data categorization that is trustworthy and reliable. By looking at novel viewpoints like governance, privacy, and oracles, and evaluating their integration, our article analyzes the fundamental convergence model of fintech technologies (CMFT). We have explored the existing literature and the recent development of emergent technologies such as Decentralized AI, Zero-Knowledge Proofs, and taking into account the threats of Quantum Computing, in order to demystify the smooth development of financial inclusion, efficiency, and personalization. However, a novel risk frame arises around AI-model poisoning, Blockchain scalability trilemma, and systemic vulnerabilities that are a must for an integrated ecosystem. All in all, a forward-looking, agile, and responsible “Regulatory Sandbox 2.0” structure is suggested, with an objective of using the immense potential of the convergence, with regard to multi-stakeholder governance.