• SHAMIKA WORLIKAR
• DEVKUMAR SHARMA

This research explores the impact of financial technology (fintech) on the banking sector, focusing on how advancements in artificial intelligence (AI), blockchain, and digital payments are transforming traditional banking operations. Fintech is not only reshaping financial services but also driving innovation in customer engagement, risk management, and regulatory compliance. The study highlights fintech's role in improving financial inclusion, operational efficiency, and customer experience while addressing challenges such as cybersecurity and regulatory compliance. Through a mix of primary and secondary research, key trends and future directions are analyzed. The findings suggest that while fintech enhances efficiency and customer satisfaction, financial institutions must navigate security concerns and regulatory frameworks to ensure sustainable growth. The report further explores case studies that illustrate successful fintech adoption and its transformative potential in banking

Fintech, Banking, Digital Payments, Financial Inclusion, Artificial Intelligence, Blockchain, Regulatory Technology, Financial Services Innovation

"The Role of Fintech in Shaping the Future of Banking", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 3, page no.e587-e595, March-2025, Available :http://www.jetir.org/papers/JETIR2503481.pdf

"The Role of Fintech in Shaping the Future of Banking", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 3, page no. ppe587-e595, March-2025, Available at : http://www.jetir.org/papers/JETIR2503481.pdf