A Review of Scientific Studies on Improving Enterprise Efficiency within Financial Services: Digital Transformation and FinTech

This article aims to present a detailed, systematic review of recent scientific studies andbusiness data on how FinTech innovations and digital efforts improve operational performance,profitability, and capital efficiency in the financial services industry. The study, based on a fewpeer-reviewed sources and business studies published last decade and examines fundamentalefficiency factors such as automation of processes, advanced data analytics and artificialintelligence (AI) implementation, regulatory technology (RegTech), cybersecurity upgrades, andFinTech mergers and partnerships.