INTERNACIONALNI UNIVERZITET TRAVNIK U TRAVNIKU
EKONOMSKI FAKULTET TRAVNIK U TRAVNIKU
PRAVNI FAKULTET TRAVNIK U TRAVNIKU
FAKULTET ZA MEDIJE I KOMUNIKACIJE TRAVNIK U TRAVNIKU
u saradnji sa
MIT UNIVERZITET SKOPLJE, SJEVERNA MAKEDONIJA
VEVU, VELEUČILIŠTE LAVOSLAV RUZIČKA U VUKOVARU, HRVATSKA
VELEUČILIŠTE VIMAL, SISAK, HRVATSKA
CKKPI, TRAVNIK, BOSNA I HERCEGOVINA
organizuju
31. MEĐUNARODNU KONFERENCIJU
EKONOMSKE, PRAVNE I MEDIJSKE INTEGRACIJE BOSNE I HERCEGOVINE I ZEMALJA ZAPADNOG
BALKANA KAO KLJUČNI POKRETAČ EUROPSKIH VRIJEDNOSTI
12. – 13. decembar 2025. godine
Univerzitet Mediteran u Podgorici , Podgorica , Montenegro
Ekonomski fakultet Travnik, Internacionalni univerzitet Travnik u Travniku , Travnik , Bosnia and Herzegovina
In recent years, the FinTech sector has experienced remarkable growth, introducing innovations that are transforming lending and payment processes. This paper analyzes the impact of FinTech technologies on financial services, focusing on key benefits for users and financial institutions. Through the application of advanced technologies such as blockchain, artificial intelligence, and digital platforms, FinTech companies enable faster, safer, and more transparent transactions, while also reducing costs and improving access to financial services. Particular emphasis is placed on regulatory challenges, cybersecurity, and data protection, which represent key obstacles to the sector’s further expansion. Alongside an analysis of advantages and risks, the paper provides recommendations for optimizing FinTech innovations in lending and payment systems, with the aim of creating a secure, efficient, and inclusive financial ecosystem.
The statements, opinions and data contained in the journal are solely those of the individual authors and contributors and not of the publisher and the editor(s). We stay neutral with regard to jurisdictional claims in published maps and institutional affiliations.
