Banking Transformation Through FinTech and the Integration of Artificial Intelligence in Payments

In the context of rapid advancements in financial technologies and the evolving demand of the digital economy, this study explores the transformative impact of FinTech and artificial intelli-gence (AI) on the banking sector, with a particular focus on payment systems. By examining inno-vative financial instruments and AI-driven solutions, the research investigates how these technol-ogies enhance efficiency, security, and customer experience in banking operations. The study evaluates the integration of AI in payment systems, including its role in predictive analytics, fraud detection, and personalization, while aligning with global trends in digital transformation and sustainability. Adopting an interdisciplinary approach, the analysis highlights scalable and resilient strategies that address emerging challenges in the financial ecosystem. The findings provide a comprehensive framework for leveraging AI and FinTech to drive the evolution of banking services, supporting the transition toward a more innovative, digitalized, and sustainable financial future.