The article discusses how digital technologies are changing the financial sector in Russia and globally. It looks at how these technologies are being used to improve banking processes, prevent fraud, and offer more personalized services to customers. The researchers analyzed data from international consulting companies and the Central Bank of Russia to understand the impact of financial technologies on the economy. They found that integrating traditional institutions with FinTech companies can lead to innovative financial solutions in the future. Overall, the study shows that using digital technologies in banking can make operations simpler and more efficient, while also improving customer interactions.