The proposed section contains an overview of innovative methods of business management at the regional level, based on financial services and modern IT solutions. In the course of the research, a SWOT analysis of the application and development of financial technologies in various regions was carried out using IT solutions. It was determined that among the key FinTech solutions capable of influencing the level of innovative management of local business, the following can be distinguished: admission to the official markets of digital currencies by central banks, decentralization and adaptation of financial platforms to regional conditions, as well as the growing popularity of personalized financial services based on artificial intelligence. It is emphasized that the active digitization and integration of FinTech services, as well as the growing demand for fast and efficient credit processes and large government investments aimed at improving digital platforms for lending, have become important factors in the development of embedded financial solutions. The main opportunities for expanding the market and systems of embedded financial solutions using IT are outlined: media, e-commerce, education, real estate market, retail, travel, medicine, energy. The authors emphasize that partnerships and cooperation between FinTech companies and traditional banking institutions can create a positive synergistic effect, transforming the future of financial services, offering customers an improved experience, simplified processes and innovative products at both national and regional levels. As a result, it is predicted that the success of innovative business management at the regional level will depend on the close cooperation of classic financial institutions with experienced digital providers, which will open up new opportunities and perspectives, while at the same time reducing the associated risks.