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FinTech will change the nature of money and shake the foundations of central banking

Financial technology or fintech is an industry made up of companies that use technology and innovation to compete with traditional financial institutions such as banks and financial services intermediaries. Currently, fintech includes both numerous technology startups and large established organizations that are trying to improve and optimize the financial services provided. In recent years, domestic commercial organizations have begun to increasingly apply innovative technologies to improve their business processes and financial transactions. This trend of active practical application of innovations and financial technologies is associated primarily with the scale of market competition, periodic economic crises, when, in the face of tougher competition, organizations are looking for ways and means to increase their financial stability.

As for the advantages, financial technologists allow to develop online commerce and ensure economic growth in general. More and more people, especially those with low incomes, are accessing financial services through innovative technologies.

However, there are also disadvantages. Numerous cases of irresponsible lending have been observed. There is also a development of “predatory” lending practices.

It should be noted, that improving the activities of organizations through the introduction of innovative technologies is one of the most urgent problems of modern economic science and business practice. The reason for this is the high role of innovation in the organization of production and consumption in the economy. In particular, innovations are important in financial management, where financial innovative technologies are a tool for managing the financial stability and economic security of an organization.

In general, financial technologies are the key to many positive changes in the economic sphere. But the lack of proper regulation often leads to infringement of consumer rights.