Author(s): Maria Fernandes
Financial technology (Fintech) is transforming banking by introducing innovations in payments, lending, wealth management, and regulatory compliance. Fintech leverages technologies such as blockchain, artificial intelligence, and mobile platforms to improve efficiency, reduce costs, and enhance customer experience. This paper examines how Fintech disrupts traditional banking, explores emerging opportunities, and highlights challenges such as regulation, cybersecurity, and adoption. Effective strategies for integrating Fintech innovations are discussed to maximize value creation in modern banking.