Financial technologies (fintech) have a significant impact on the transformation of the global economy, stimulating economic growth and development of key industries. This article examines the opportunities and challenges of fintech implementation on a global scale. The main focus is on such aspects as improving the availability of financial services, reducing transaction costs, accelerating digitalization and stimulating entrepreneurship. Fintech helps solve pressing problems, including financial isolation, which is especially important for developing countries where a significant part of the population does not have access to traditional banking services. The use of mobile payments, blockchain technologies and artificial intelligence contributes to the creation of more inclusive financial systems and increased economic resilience. The study is based on regression analysis and a study of cases of successful fintech implementation in different countries. It is shown that technologies contribute to the growth of small and medium-sized businesses, optimize financial risk management and improve the transparency of economic processes, which is associated with a number of challenges, such as cyber risks, insufficient infrastructure in certain regions and regulatory issues. Recommendations for the successful use of fintech are developed and the importance of fintech for long-term economic growth and sustainable development is emphasized.