The article presents a model to help banks improve their financial performance using new financial technologies. The researchers gathered data from 30 people through interviews and 384 experts in the field. They found that implementing new financial technologies can lead to cost reduction, better financial services, increased revenue, and improved security for banks. By embracing these technologies, traditional banks can operate more efficiently, introduce new products, and enhance customer satisfaction. This shift towards financial innovation can help banks collaborate with fintech companies and ultimately boost their financial performance.