The convergence of Blockchain and Artificial Intelligence (AI) technologies have limitless possibilities in improving financial transparency in India. This paper examines the present situation of financial transparency within Indian institutions, the role of Blockchain in enhancing transaction security and accountability, the effect of AI on fraud detection and decision-making process and suggests a model of integrating these technologies. Using a multi-methodology, incorporating Latent Semantic Analysis (LSA), word frequency visualization, and the relative frequency trend analysis, the study determines major themes, issues, and opportunities of adopting Blockchain and AI in the Indian financial environment. The results demonstrate that transparency has become the key issue, but there are still some important challenges connected with fraud, privacy, compliance with regulations, and technological integration. Blockchain can be seen as a revolutionary approach to achieving immutable transaction history and increasing trust, whereas AI shows its potential in an increased fraud detection rate and streamlining the decision-making process. Nonetheless, the effective incorporation of these technologies is hampered by the factors which include the high cost of implementation, change resistance, and ethical issues. The paper suggests a theoretical model connecting latent constructs with measurable indicators, which can provide a practical value in addressing these issues. The study adds to the emerging field of knowledge on the integration of Blockchain and AI in financial services, and it has important implications to the managers, researchers, and the society in general. Future perspectives stress on the necessity of empirical verification, regulatory guidance and investigation of socio-economic implications to promote the use and confidence in these radical technologies.

Keywords: Blockchain, Artificial Intelligence (AI) , Financial Transparency, Technological Innovation , Institutional Theory ,  Fintech