FINTECH, POZAJMLJIVANJE I INOVACIJA U PLAĆANJU
FINTECH, LENDING AND PAYMENT INNOVATION

Summary/Abstract: In recent years, the FinTech sector has experienced remarkable growth, introducing innovations that are transforming lending and payment processes. This paper analyzes the impact of FinTech technologies on financial services, focusing on key benefits for users and financial institutions. Through the application of advanced technologies such as blockchain, artificial intelligence, and digital platforms, FinTech companies enable faster, safer, and more transparent transactions, while also reducing costs and improving access to financial services. Particular emphasis is placed on regulatory challenges, cybersecurity, and data protection, which represent key obstacles to the sector’s further expansion. Alongside an analysis of advantages and risks, the paper provides recommendations for optimizing FinTech innovations in lending and payment systems, with the aim of creating a secure, efficient, and inclusive financial ecosystem.

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