EFFICIENCY OF USING FINANCIAL TECHNOLOGIES IN BANKS

This article explores the impact of financial technologies (fintech) on the efficiency of commercialbanks. Through the analysis of data from various sources, including fintech reports and industrypublications, the research findings indicate that the implementation of fintech can significantlyimprove bank efficiency. Process automation, enhanced risk management, and personalizedcustomer services all contribute to increased profitability and competitiveness. However, successfulimplementation requires careful planning, adequate resources, and consideration of potential risks.Overall, fintech offers commercial banks new opportunities to optimize their operations andenhance their overall efficiency

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