Рубанов, Павло МиколайовичРубанов, Павел НиколаевичRubanov, Pavlo Mykolaiovych2023-06-302023-06-302020Rubanov P. M. FinTech Innovations as a Disruptive Technology in the National Economy // Věda a technologie: krok do budoucnosti [Наука і технології: крок у майбутнє – 2020]: materiály XVI mezinárodní vĕdecko – praktická conference, 22-28.02.2020. Praha, Publishing House «Education and Science», 2020. Vol. 4. P. 37–39.0000-0002-9415-8786https://essuir.sumdu.edu.ua/handle/123456789/92188From the perspective of traditional financial intermediaries, including banking institutions, FinTech innovations can be seen as disruptive technologies. In the banking sector, FinTech technologies lead to the disruption of traditional business models and established consumer relations models, to the disappearance of certain types of financial services as a result of their digital switchover or the complete replacement of services offered by FinTech companies. The types of banking services that have been most impacted by FinTech innovations are payments and transfers. The paper also discusses the impact of blockchain as a disruptive technology on the capital market.eninc10FinTech innovationsFinTech інноваціїdisruptive technologiesпроривні технологіїnational economyнародне господарствоTheses