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Abstract

This paper investigates the impact of financial technologies (Fintech) on optimizing operational processes and organizational performance. Given the rapid growth of Fintech and digital transformation, organizations are encountering new challenges and opportunities that can lead to improved efficiency and increased competitiveness. The primary aim of this research is to analyze how Fintech influences organizational processes and to identify the challenges and opportunities arising from digitalization. To achieve this, analytical and case study methods were employed, and data were collected from various sources, including field studies, scientific articles, and industry reports. The findings indicate that Fintech can optimize processes by enhancing speed, reducing costs, and improving accuracy in transactions. Additionally, digitalization enables organizations to better respond to customer needs and introduce innovative financial services. However, organizations face challenges such as security concerns, the need for cultural shifts, and the demand for new skills, all of which can complicate the digitalization process. This paper emphasizes that to fully leverage the benefits of Fintech, organizations must develop effective strategies to address these challenges and capitalize on the opportunities. Ultimately, Fintech can act as a key driver for optimizing organizational performance and enhancing operational processes.

Keywords: Fintech, Process optimization, Organizational performance, Digitalization, Challenges, Opportunities