Özet:

This study investigate FinTech’s on financial markets, the banking sector, and consumers. It aims to examine the role and effects FinTech in the presentation and use of financial services. The study focuses on FinTech investment areas in countries such as America, Canada, Brazil, Germany, France, Israel, China, and India, which are prominent in FinTech investments, between 2012 and 2020, using the panel data method and fixed effects model. FinTech investments are grouped according to payment management, insurance, information technologies, software, financial services, and other categories, and the relationships between them have been empirically tested. The FinTech investment amount was used as the dependent variable Inflation, number of branches, unemployment, and GDP were considered as independent variables. The results show that the increase in FinTech investment is affected by inflation and the number of branches in a negative and statistically significant manner. However, the results concluded that the individual Internet usage variable positively affected the FinTech investment amount. These findings provide strong empirical evidence that FinTech investments can increase profitability levels in the finance and banking sectors. This study highlights the impact of FinTech on the transformation process in the financial sector, and it can offer valuable insights for financial service providers and policymakers. It may also be essential for understanding consumers' demands and expectations for financial technologies. Such studies can offer a valuable roadmap for understanding