Published May 2, 2026 | Version v1
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THE ROLE AND PROSPECTS OF FINTECH TECHNOLOGIES IN BANKING AND FINANCIAL SERVICES

Authors/Creators

  • 1. Samarkand Institute of Economics and Service, PhD Associate Professor

Description

This article analyzes the role and development prospects of fintech technologies in banking and financial services. It examines how innovations such as artificial intelligence, blockchain, big data analytics, and digital payment systems are transforming traditional financial institutions into digital ecosystems. The study highlights the impact of fintech on financial inclusion, operational efficiency, risk management, and regulatory frameworks.

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Additional details

References

  • 1.BIS (Bank for International Settlements). (2023). Fintech and the digital transformation of financial services. https://www.bis.org
  • 2.Basel Committee on Banking Supervision. (2023). Principles for the effective management and supervision of climate-related financial risks. Bank for International Settlements.
  • 3.European Central Bank. (2024). The role of fintech in the euro area financial system. https://www.ecb.europa.eu
  • 4.Financial Stability Board. (2024). FinTech and market structure in financial services. https://www.fsb.org
  • 5.International Monetary Fund. (2024). Financial access survey 2024: Trends in digital financial inclusion. https://www.imf.org