Author(s): Daniel Thompson
Fintech innovations are transforming traditional financial services by integrating technology with banking, investment, and payment systems. This paper explores the major disruptive forces in fintech, including block chain, artificial intelligence (AI), digital payments, and robo-advisory platforms. The study highlights how these technologies improve efficiency, enhance customer experience, and expand financial inclusion. Challenges such as regulatory compliance, cyber security, and market volatility are also discussed. By analysing emerging trends and best practices, the paper provides insights for financial institutions, policymakers, and investors seeking to leverage fintech for competitive advantage.