Prospects for the Application of Financial Technologies in the Economic Activities of Commercial Banks

This article examines the prospects for applying financial technologies in the economic activities of commercial banks in the context of digital transformation. It analyzes the main areas of FinTech implementation and their impact on operational efficiency, revenue structure, and risk management. It demonstrates that the economic impact of applying financial technologies is gradual and depends on the level of digital maturity, management quality, and human capital development. Practical recommendations are provided for the phased implementation of FinTech to improve the economic efficiency of commercial banks.