The purpose of the article is to study the current experience and prospects of the humanization of FinTech in the economy of artificial intelligence. The research methodology is based on the use of the method of structural equation modeling (SEM). The study analyzes statistics for 2021–2022 (annual indicators). The sample included 118 countries. As a result, the modern international experience of FinTech humanization in the economy of artificial intelligence has been studied and the causal relationships of FinTech humanization in the economy of artificial intelligence through the integration of blockchain into ESG finance have been identified. The article proposes an economic and legal approach to the humanization of FinTech in the economy of artificial intelligence by integrating blockchain into ESG finance to ascertain the economic and political implications. The article contributes to the literature by clarifying the scientific provisions of the concept of the humanization of the economy. The theoretical significance of the obtained results is that the developed model (SEM) and the detailed regression equations have formed a comprehensive understanding of the patterns of humanization of FinTech. The resulting econometric model can be used to predict prospects for the development of blockchain-based ESG finance, as well as high-precision planning of state economic policy. The practical significance of the authors’ conclusions and recommendations is that they have formed a clear idea of modern barriers (“market failures” and “institutional traps”) and prospects (improvement of the institutional environment through the application of an economic and legal approach) to the humanization of FinTech in the economy of artificial intelligence through the integration of blockchain into ESG finance.

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The article reveals the humane component of the national strategies of Central Asian countries and the inadequacy of measures that impede the balanced development of the economy and access to world markets for goods and services. The author assessed the measures being implemented by governments for congruence with the global humanization of every life area, that is the novelty of the study. The humanization indicators were explored on the back of an information-digital database representing an author’s data set jointly with the President of the Institute of Scientific Communications E.G. Popkova (2020). The data-set contains the latest information of the World Economic Fund, OECD, International Monetary Fund, and other independent international organizations. Taking into account that the world community recognizes the need of adjusting national strategies directed at global economic growth to attain high-level goals for the period up to 2030, the author reveals vulnerable areas to be immediately upgraded. Also, the author gave recommendations to minimize the negative effect of current problems in the legislative and regulatory framework, education, adherence to the principles of the green economy, etc. to build a general model of economic growth in Central Asian countries, as well as identified three areas to be revamped.