Financial Technologies (Fintech) and Their Role in Modern Commerce

The rise of Financial Technologies (FinTech) has revolutionized the landscape of modern commerce, transforming traditional financial systems and shaping how businesses, consumers, and financial institutions interact. This review paper explores key FinTech innovations, including mobile payments, blockchain technology, digital wallets, and other disruptive technologies. It examines their influence on global commerce, enhancing efficiency, improving accessibility, and driving financial inclusion. By evaluating the current trends, challenges, and future prospects of FinTech, this paper provides insights into how these technologies are reshaping global financial markets and altering consumer behaviors and business strategies.