A Digital Economy Approach to Enhance Transparency in Property Valuation via Proptech

Abstract

Property valuation, a foundational method for governments, financial institutions, and insurers to gauge economic stability,
remains hindered by opaque, fragmented data practices. Despite technological advancements like Artificial Inteligence (AI) and Web3, valuation processes rely on siloed, non-standardized data that institutions rarely share—even internally. This paper identifies systemic barriers to global transparency and proposes a Proptech framework to resolve this disconnect. Unlike market valuation, which leverages AI and algorithms to predict prices, housing valuation depends on manual audits and confidential metrics. This lack of transparency limits governments’ capacity to preempt real estate crises or curb speculative risks. By integrating blockchain enabled data sharing and AI analytics, a decentralized Proptech platform, sharing a global network, could standardize and democratize valuation data, enabling real-time insights for crisis management and evidence-based policymaking. The study highlights how such innovation could transform urban planning, financial markets, and economic resilience, positioning Proptech as a catalyst for equitable, transparent valuation ecosystems.

Received: 7 April 2025 | Revised: 29 July 2025 | Accepted: 14 October 2025

Conflicts of Interest

The authors declare that they have no conflicts of interest to this work.

Data Availability Statement

The data that support this work are available upon reasonable request to the corresponding author.

Author Contribution Statement

Pedro Faria: Conceptualization, Methodology, Software, Validation, Formal analysis, Investigation, Resources, Data curation, Writing – original draft, Writing – reviewing & editing, Visualization, Supervision, Project administration. Peter Finn: Conceptualization, Validation, Investigation, Resources, Writing – reviewing & editing. Tiago Marques: Conceptualization, Resources, Writing – reviewing & editing, Visualization, Supervision.