The rise of automation and digitization is causing a fast transition in the financial services sector. The significant effects of these technology developments on mutual fund back-end operations—such as transaction settlement, NAV computation, compliance verification, and investor servicing—are examined in this paper. These tasks, which were previously dependent on manual processes, are now being made more efficient by the use of cloud-based platforms, robotic process automation (RPA), and artificial intelligence (AI).

The study examines how automation lowers expenses, guarantees regulatory compliance, and improves operational accuracy and efficiency. It also draws attention to the main obstacles, such the need for labor upskilling, cybersecurity threats, and interaction with old systems. According to the research, mutual fund companies may increase operations, enhance decision-making, and obtain a competitive advantage in the changing financial market by adopting digital transformation.

Keywords: financial technology, cybersecurity, digital transformation, automation, digitalization, mutual funds, back-office operations, robotic process automation (RPA), artificial intelligence (AI), NAV calculation, compliance, data reconciliation, and operational efficiency.

| DOI: 10.17148/IARJSET.2025.125307