Optimization and Development of Commercial Banks Based on Fintech Growth

The power of science and technology has become a major competitive advantage in the financial industry. While it enhances operational efficiency and service quality for financial institutions, it also introduces new risks and challenges. The financial sector must balance development with security, foster cooperation, and advance fintech in a sustainable manner so that financial technology genuinely serves people and their interests. Fintech is defined as technology-driven financial innovation. Financial institutions must improve relevant supportive regulations, develop comprehensive digital transformation strategies, accelerate deep adoption of fintech, and speed up digital transformation. In fintech development, particular attention must be paid to fairness and balance. Based on the evolution of fintech and its impact on commercial banks, this paper reviews recent advancements, analyzes optimal future development paths for commercial banks, and offers a new perspective on bank growth.

کلیدواژه ها:

financial development ، technological innovation ، business progress ، fintech