Exploring the Legal Dimensions of Data Rights in AI-Powered FinTech Services in Tanzania

This study examines the legal dimensions of data rights in AI-powered Financial Technology (FinTech) services in Tanzania. The integration of AI in FinTech enhances operational efficiency, drives innovation, and improves customer experience through advanced data processing and intelligent decision-making. However, the swift adoption of AI introduces critical concerns, including data protection and cyber security. While Tanzania's legal framework grounded in constitutional rights and the Personal Data Protection Act of 2022 offers a foundation for addressing these issues, it lacks provisions tailored specifically to the unique challenges posed by AI technologies. Employing doctrinal legal research and comparative analysis with global benchmarks such as the GDPR and the EU AI Act, the study advocates for adaptive and forward-looking governance. Drawing on theoretical frameworks, it proposes legal reforms to promote a secure, inclusive, and ethically governed AI ecosystem in Tanzania's FinTech sector.