Abstract: Today, the 4th Industrial Revolution is causing technology to spread and develop rapidly in a wide range of areas from medicine to agriculture. This rapid technological advancement has greatly facilitated both people’s business and daily lives. The finance sector is one of the areas that benefit the most from these technological developments. The concept of fintech (financial technologies), which emerged as a result of the combination of traditional finance and technology, has created a major transformation in the sector. As an indicator of the rapid growth of the fintech sector, 210 billion dollars were invested globally in 2021. The development of fintech has led to radical changes, especially in the banking sector, and has ushered in the era of digital banking. This study will examine the effects of fintech on the future of digital banking. Topics such as gaining new customers in the use of banking products and services, activating passive customers, and implementing innovative solutions and game strategies in digital banking will be discussed.

Keywords: fintech, 4th industrial revolution, digital banking